Small business has over 825 billion in unpaid invoices…that is 5% of our GDP

29.6 small businesses in America and employee about half of the entire workforce

Did you know that small business has $825 Billion in unpaid invoices?

825 billion- equates to 5% of the US GDP, so pay up to small business and help them and the economy

  • Most small businesses get paid in 21 days on invoices
  • But only have 27 days of cash reserves
  • 84 thousand in unpaid invoices
  • 81% are over 30 days past due.
  • Some industries wait even longer to get paid-as much as 90 days!

In the meantime, help your cash flow, your business, and your stress

We have programs to help from $5000 to $3 Million

Benefit from invoice factoring, Purchase Order Financing, Credit Lines, Collection Services

  • Improves cash flow, often within 24- 48 hours of invoice date
  • Allows companies to meet payment deadlines, such as payroll and fulfill new orders
  • Reduces time and resources spent collecting accounts receivable
  • Allows for better terms to large customers to help increase sales
  • Enables payment to suppliers quicker, taking advantage of early pay discounts
  • Evaluated credit limits for new customers
  • Improves company credit rating

Top 5 Reasons Companies Choose Asset-Based Lending

  • Optimize working capital
  • Support continued growth
  • Take advantage of opportunities
  • Need for flexible and customized package
  • Unable to get traditional financing due to high growth, limited sales history or restructuring situations

Top 5 Reasons Why Companies Choose Purchase Order Funding

  • Down payment to vendor to produce the product
  • Under-capitalized and in need of cash injection
  • Take advantage of opportunities
  • Need for flexible and customized financing options
  • Unable to get traditional financing due to high growth, limited sales history or restructuring situations

Collection Services

Experienced & Professional

  • Providing third party collection and verification services for over 12 years. Since 2012, processed over $1 Billion dollar in cash management with over 4000 third party debtors (paying sources). Our approach is to open lines of communication with third party debtors and the customer to ensure all paper work is accurate and validated to smooth out the cash flow and allow for a high level of predictability in cash flow.

 Invoice Verification & Collection Calls

  • Collection & verification analyst are information seekers to ensure the facts are reported back to our clients. Having an added clerical support person without taking on salary or benefits is an added value to our invoice factoring clients. Many business owner’s dislike chasing down the money and making credit calls falls on the priority list. With Sterling’s verification analyst making these calls it frees up the business owner to spend time driving sales and bring profits to the bottom line.

 Client Communication – Aging Notes Weekly

  • We provide weekly aging notes for the client to review and strategize collection plans. As a third-party verification firm, Verification analyst have been trained to provide real time information to our clients to ensure there are no surprise week to week with cash advances.

      Over 90-Day Trends – Industry Leading Under 5%

  • Our three year over-90-day collection rate under 5% of gross invoice collections. We provide collection and verification services nationwide for many industries. Sterling has many cases where over 90-day invoices averaged 15% to 25% and after engaging a full-time Sterling verification analyst invoices over 90-days dropped below the targeted goal of 5%.


See comparisons & services below…

For small business up to $100,000…

When you clear an invoice, we calculate a small fee on top of the invoice value. Repay us over 12 or 24 weeks. Your choice.

  • For a $1,000 invoice, your weekly payment would be about $89 for 12-week repayment. This includes $83 for invoice value, and roughly $6 in fees.
  • Fees may vary but you always know them before you commit to anything.
  • Payments are automatically debited from your bank account the week after you clear the invoice.
  • If you pay us back early, we waive all the remaining fees. This means if you paid us back on week 4, you’d only pay the fees for weeks 1-4. We would waive the fees for weeks 5-12 entirely.
  • Setting up an account is completely free, and there are no subscription fees, origination fees, or any other hidden fees at all.


For business $25,000 to 3 million

Product Comparison

Bronze Invoice Factoring Silver Invoice Factoring Gold Invoice Factoring Ledgered Line of Credit ABL Line
of Credit
Advance Rate 40.0% 75.0% 80.0% 85.0% 85.0% 85.0%
Very High Highest Moderate Moderate Moderate Low
Pricing 4% per month 3% per month 2% per month 1.50% per month Prime + 4% + Service Fee Prime + 4% + Service Fee
·         PO Converts in less than 60 days

·         Gross Margin is < 40%

·         Debtor Quality

·         Historical Payment from Debtor

·         Bank Statement Activity Last 90 days

·         Spot Factoring

·         Cash Paid to Lockbox

·         Under 12 debtors

·         Quick Set up 3 days

·         Invoice Mail Service

·         Monthly Statement Service

·         Collection Calls at 31, 45, 60 days

·         Cash Dominion of Funds

·         Weekly or Daily Funds

·         Debtors from 10-100

·         Annual sales of $1M to $5M

·         Balance Sheet Negative Equity

·         Cash Dominion of Funds

·         Weekly or Daily Funds

·         Debtors from 10-100

·         Annual sales of $2M to $20M

·         Balance Sheet Equity

·         Cash Dominion of Funds

·         Weekly or Daily Funds

·         Debtors from 10-100

·         Annual sales of $2M to $20M

·         Debt/TNW 25x:1 or better

·         Accounts Receivable Only

·         Cash Dominion of Funds

·         Weekly or Daily Funds

·         Debtors from 10-100

·         Annual sales of $2M to $20M

·         Debt/TNW 12x:1 or better

·         A/R + Inventory

·         A/R + Inventory + Machinery


Frank J. Eberhart, CEP®, RFC®, Author

P: 908.269.8878         F: 908.269.8879     C: 973.479.2558

699 Washington Street, STE 302 Hackettstown NJ 07840

Commercial Mortgages-SBA 7(a) & 504 Loans-Encrypted Credit Card/POS Systems


Section 179


Jan 1, 2016 –   The “Protecting Americans from Tax Hikes Act of 2015” (PATH Act) was passed by both the House and Senate and signed into law on 12/18/2015. This bill expanded the Section 179 deduction limit to $500,000. Read the summary from the Ways and Means committee here.

Section 179 Deduction: Until further notice, Section 179 is permanent at the $500,000 level. Businesses exceeding a total of $2 million of purchases in qualifying equipment have the Section 179 deduction phase-out dollar-for-dollar and completely eliminated above $2.5 million. Additionally, the Section 179 cap will be indexed to inflation in $10,000 increments in future years.

50% Bonus Depreciation will be extended through 2019. Businesses of all sizes will be able to depreciate 50 percent of the cost of equipment acquired and put in service during 2015, 2016 and 2017. Then bonus depreciation will phase down to 40 percent in 2018 and 30 percent in 2019.

IMPORTANT: Section 179 for Current 2016 Tax Year (This Year)
Section 179 can provide you with significant tax relief for this 2016 tax year, but equipment and software must be financed and in place by midnight December 31, 2016.

Calculation Using the Section 179 Calculator

Using a $75,000 equipment cost for a sample calculation shows how taking advantage of the Section 179 Deduction can significantly lower the true cost of the equipment purchased, financed or leased. In the example, $75,000 in equipment purchased has a true cost of $48,750. That’s $26,250 added to your bottom line. Would you like an extra “25 grand-plus” this year?

In order to qualify for the Section 179 Deduction, the equipment must be purchased, financed or leased and put into service by December 31 of this year!

So don’t delay!

Commercial Lending

Commercial lending made easy

It’s that time of year, holiday shopping, excitement for the holidays and….

Next years budget, marketing plan, and where do I get the money from? Party pooper huh? Well a word of caution to businesses shopping for money this holiday season-or anytime for that matter.

  1. Check your credit-credit karma is good because you do  not get any “dings” on your credit report.
  2. Correct anything that is not accurate NOW
  3. Do NOT apply at multiple lending institutions, select one and focus on that.
  4. Once you apply you get a ding, and every time you apply you get a ding-after about 3 dings the banks will give you a “dong”.
  5. Make sure you read all the terms and conditions BEFORE you sign.
  6. Make sure you can actually pay back the money.
  7. Create a marketing plan that makes sense and how you will achieve it and pay for it

Be informed, most banks do not like to lend to companies under 5 years,  2 years and under is very difficult same with start ups, there are factoring companies that can help, make sure you understand all the terms and rates in these type of companies!

Hope you all have a great holiday season and a very prosperous new year