1. “Your Business Growth Partners”AN
Alternative Working Capital Finance company

2. Karen L. Small January 2004 - Present
Founding Partner / Sales & Marketing Sterling Commercial Credit, LLC
January Present
Karen L. Small
Founding Partner of Sterling Commercial Credit. Over the course of the years, responsibilities included: Credit Underwriting, Credit Portfolio Management, Operations, Customer Service. Currently Heading up Marketing & Responsible for managing new business development efforts for SCC. Sterling Commercial Credit has sales offices in Brighton, MI; Atlanta, GA; Chicago, IL; Salt Lake City, UT; and Dallas TX. Prior to new appointment of Sales / Marketing, was Head of Underwriting for SCC.
Founding Partner – Collateral Auditor
Asset Based Audit Consultants, Inc.
July 2000 – January 2004
Started auditing consulting company and grew to a staff of (8) field examiners. Performed collateral audits for large banks and finance companies.
Field Examiner
Michigan National Bank
October 1992 – July 2000
Worked in both the Accounting Division and Field Audit Department

3. We Do not finance commercial real estate.
Sterling offers a variety of solutions for borrowers, lenders, consultants, and more…
Sterling Commercial Credit provides accounts receivable financing to Small to Mid-sized businesses which includes:
Factoring
Asset Based Lines of Credit
We Do not finance commercial real estate. |

4. Footprint: Factoring, LOC’s, Ledger LOC (A/R, Inventory or Equipment)
Companies that report annual revenue $250,000 - $25,000,000
Credit Facility from $25,000 - $2,500,000
Clients are nationwide
SCC is Headquartered in Brighton, MI with sales offices in;
Brighton, MI; Atlanta, GA; Chicago, IL; Salt Lake City, UT; Dallas, Texas; Greensboro, NC |

5. Industries Wholesaler Staffing Government B2B Service Seasonal
Manufacturing
Oil & Gas
Transportation
Wholesaler
Government
Seasonal
Print Shops
Distributor |

6. Case Study #1 Merger & Acquisition (M & A)
Sellers Goals:
Sell Company for $2.5million
Seller financing $500K with $2million down payment
Two year employee contract at $150K per year
Exit day to day operations in next two years
No interruption to clients or employees
Continuation of business legacy
Deal Fact Sheet:
Annual sales $10million
Accounts Receivable & Inventory combined for $3.5million with $500K in trade payables.
Existing Bank Debt $250K
Sterling Solution:
Sterling Approved a $2.5MM ABL Line of Credit
Advance 85% on acceptable accounts = $1.6million
Advance 50% on acceptable inventory = $800K
Seller Cash Down Payment at Closing = $2million
Fresh working capital Day 1 = $400K
Midwest Distillery, Inc
Case Study #1
Merger & Acquisition
(M & A) |

7. Case Study #2 High Growth Prospect Mad Hatter, LLC
Company Goals:
Company Designs and Distributes hats to specialty retail stores
Locate Larger Line of Credit (Current Bank Loan $500K)
Company A/R Level exceeds $1.5million and expected to grow in summer
Company backlog over $3.5 Million
Pay-down over 60-day vendors currently at $300K
Deal Fact Sheet:
Sales last three years totaled: $3.0 Million (2015), $4.5 Million (2016), $12 Million (estimate 2017)
Local Community Bank declined loan increase over the current level of $500K
Community Bank has SBA Real Estate of $1million and $500K line of credit
Sterling Solution:
Sterling approved $2.0 Million ABL Line of Credit
Advance 80% on acceptable accounts = $1.2 million
Community Bank paid off = $500K
Fresh working capital = $700K
Vendor payments paid current
Sterling conducted an on-site field exam (adds 10-days to approval) and was closed within 40-days of application
Mad Hatter, LLC
Case Study #2
High Growth Prospect |

8. Case Study #3 Bank Work Out Staffing Company, Inc. Bank Goals:
Original Loan $800K; Current balance was $275K
Back-to-Back losses in excess of $300K; Watch Credit Rating within Bank
Bank required to reduce exposure on watch credits and take no write-off on account
Locate new source of working capital for client
Maintain depository accounts
Deal Fact Sheet:
Government Staffing Contract
Annual Sales $8 Million
Open Accounts Receivable $900K with $100K over 90-days in age
Accounts Receivable Made up of 25 Debtors with quality D&B Ratings
Balance Sheet Confirmed Negative Equity of $550K after back-back losses
Existing Bank Debt $275K
Sterling Solution:
Sterling Approved – Line of Credit for $1.5million secured by:
75% on acceptable accounts $800K X 75% = $675K
Bank paid in full $275K
Fresh working capital = $400K
Sterling closed loan within 20 business days of application
Staffing Company, Inc.
Case Study #3
Bank Work Out

9. Sterling Products Factoring Asset Based LOC Ledger LOC
Financing which involves the sale of companies Accounts Receivable Invoice at a discount
48 Hour Approval Process
Credit Facility $25K-$2.5Million
Advance Rates 70%-95%
Fees % / Month
Closing Fee $500.00
No Term Contracts
No Monthly Minimums
No Exit Fees
No Wire Fees
Satisfactory Invoice Verification
Lockbox Requirement
Secured by A/R, Inventory/Equipment
Credit Facility $500K-$2.5Million
P+ ; MM 0.25%-1%
Closing Fee 1%-3% of Commitment
A/R Advance Rate 80%-85%
Weekly BBC Reporting
No Covenant Rules
No Un-Used Line Fees
Audit Requirement if >$500K
No Wire Fees
Lockbox Requirement
Secured by A/R, Inventory/Equipment
Credit Facility $250K-$2.5Million
P+ ; MM 0.75%-1.5%
Closing Fee 1.5% of Commitment
A/R Advance Rate 80%-85%
Audit Requirement
No Fees, No Early Exit Fees
BBC or Factoring Reporting with Factor Lockbox, Controls
Satisfactory Invoice Verification
LOC Documents |

12. Sterling’s Ideal Candidates
Fast Growth Companies (Revenue up 25% +)
Merger & Acquisition's leveraging A/R, Inventory, Equipment
Start-ups with strong experience in same field
Limited or Under Capitalized
Turnaround/fiscal pivot after losses or mistake
Hard look at customer base & individual debtor limits established
Tax Lien with installment agreement in place working towards subordination
DIP Financing
We DO NOT finance real estate or offer term notes but can partner with banks and finance Accounts Receivable while the bank finances tangible assets |

13. Commercial Loan Broker
12% Commission for life of the loan on all transactions closed
Referral fee of $100 paid monthly on all qualified leads
Receive ACH Payments by the 5th of the following month on all commissions
Quarterly Bonus and Incentive Programs
Monthly Newsletter and E-Blast |

14. Commercial Loan Broker Commission
How it Works
Client Commitment Amount
Client Average Monthly Loan Balance
Client
Interest Rate %
Sterling Annual Revenue
Broker Commission %
Broker Monthly Revenue
Broker Annual Revenue
$250,000
$200,000
18%
$36,000
12%
$360
$4,320
$500,000
$400,000
16%
$64,000
$640
$7,680
$750,000
$650,000
14%
$91,000
$910
$10,920
$1,000,000
$900,000
$108,000
$1,080
$12,960 |

15. Sterling Cash Flow Partners
An exclusive opportunity for brokers who consistently perform above and beyond, and want to take their career to the next level.
Limited to 30 Partnership Agreements
20% Commission for life of the loan on all transactions closed
We offer you Business Cards with Partner Title
Participate your own capital and earn up to 30% return
We offer Product and Service Training with SCC Partner
10 Hours over 2 Days
We offer Marketing to your contact list, branding you as a Cash Flow Partner |

16. Cash Flow Partners Commission
How it Works
Client Commitment Amount
Client Average Monthly Loan Balance
Client
Interest Rate %
Sterling Annual Revenue
Broker Commission %
Broker Monthly Revenue
Broker Annual Revenue
$250,000
$200,000
18%
$36,000
20%
$600
$7,200
$500,000
$400,000
16%
$64,000
$1,067
$12,800
$750,000
$650,000
14%
$91,000
$1,517
$18,200
$1,000,000
$900,000
12%
$108,000
$1,800
$21,600 |

17. Karen L. Small – Founding Partner
THANK YOU
Find us on YouTube to learn more about Invoice Factoring and Asset Based Lending!
What is Factoring?
Asset Based Lending
Visit us online at
To learn more, increase your cash flow, and achieve your financial growth goals!
Karen L. Small – Founding Partner