Simplicity – Without the Credit Inquiry Hit: Sterlings Rowe Financial Group has a simple online form, and applying won’t place an inquiry on your personal credit. The Bank will stamp your credit, require several years of tax returns, and about a hundred other financial documents.
“Take up one idea. Make that one idea your life-think of it, dream of it, live on that idea. Let the brain, muscles, nerves, every part of your body, be full of that idea, and just leave every other idea alone. This is the way to success.” Swami Vivekananda
Real Payments. Real Time. Real Simple
Sterlings Rowe Financial Group can give you an answer fast. The bank will make you wait weeks.
The bank usually only finances 80% of the equipment, and no soft costs. We will finance 100%, and will also finance soft costs, like delivery, installation, etc. (Lower Upfront Costs)
The bank will require cross collateral, meaning your home, your boat, and your kid’s college accounts all get tied up with your loan. Sterlings Rowe Financial Group leaves your life (and your kids) alone. No Blanket Liens, No Compensating Balances, No Loaning You Your Own Money!
The bank will want you to keep a healthy balance in the bank, and pokes their nose into your debt to equity ratio and other numbers. We don’t – we finance the equipment, without the mumbo jumbo. (No Financial Statement Covenants)
If you borrow from the bank for equipment, you won’t be able to borrow later if an emergency comes up. Using Sterlings Rowe Financial Group for equipment purchases means you can still use the bank for emergencies. (Preserve Bank Lines for Working Capital)
Banks love extra fees and nickel and diming you. We don’t have time for that. Neither do you.
Your accountant will tell you – Sterlings Rowe Financial Groups fixed term loan looks better on the balance sheet than a bank’s revolving terms. Oh, and the tax man agrees as well.
Do you REALLY think rates are going down? No, we don’t either. Which is why our fixed terms are better than the bank’s adjustable rates.
At Sterlings Rowe Financial Group, our strength is providing small and medium-sized businesses with the equipment, vehicle, and software financing you need at better rates, while also eliminating hassle often encountered with typical bank loans.
Our customers benefit by completing a simple application without the need for tax returns and financial statements, and getting a decision immediately rather than waiting weeks.
We offer a broad array of equipment, vehicle, furniture, and software lease and loan agreements at fixed rates that won’t go up with inflation.
We’ve eliminated most of the time-consuming paperwork and 100% of the hassle and replaced it with a quick and easy process to finance new or used equipment. All we need from you is a price quote from the commercial or private seller and a 1-page application. We’ll take care of the rest.
We’re a passionate team of individuals, driven by hard work, ethics, mutual respect and transparency. We listen to our customers, understand their needs and nurture their passion into thriving small businesses.