34+ Years StrongServing clients since 1992.
$12B+ DeployedCapital structured and funded.
98% RetentionPartnerships built to last.
24-48hr DecisionsSpeed and agility guaranteed.
What we do

Capital Solutions that fit your goals

Sterling Gap supports personal and business clients with structured lending guidance and disciplined capital deployment so decisions never feel rushed. We help you compare options, understand trade‑offs, and choose a path that fits your cash flow, timeline, and risk tolerance.

Personal Loans

Fixed-rate lending paths from $10k–$500k designed around real cash flow with clear terms, realistic timelines, and zero prepayment penalties.

Debt Consolidation Major Purchases

Business Capital

Commercial support for expansion moments from $25k working capital to multi-million dollar acquisition readiness and structured bridge funding.

Term Loans Lines of Credit

Real Estate & SBA

Institutional-grade structuring for commercial property up to $500M, alongside Preferred Lender status for SBA 7(a) and 504 government-backed programs.

Commercial RE SBA Programs
Sterling Gap

Decades of local market leadership

Founded in 1992 in Tucson, Arizona, Sterling Gap emerged to provide strategic financial partnerships built on agility and long-term commitment. Modern financial decisions are rarely isolated, and our role is to connect those dots with clear options and practical support that stays consistent from your first conversation through final execution.

Instead of pushing a generic product, we build a customized decision framework: we maintain modern underwriting standards comparable to national banks while preserving the unmatched speed of a specialized private lender.

1992
Established in Tucson, Arizona
$12B+
Capital deployed across sectors
15+
Years average advisor experience
Zero
Prepayment penalties charged
Advisor meeting with client
Our approach

Built for speed, clarity and premium outcomes

Our streamlined approach is designed for clients who want to move forward without guesswork. We start by mapping your goal and financial reality, then translate that into a structured plan what to prepare, what to expect, and what to avoid.

Premium finance workspace
The Sterling Process

Clarity first. Funding follows.

You’ll know what the loan is designed to do, what it costs, and what timelines look like before you commit. We help you prepare, underwrite rapidly, and finalize with a process that respects your time and protects your business.

24hr Consultation Digital Application Rapid Underwriting Seamless Closing
Industries

Sector-aware funding and strategy

Cash flow patterns, operating risks, and equipment needs vary by industry. We take the time to understand your context so the capital solution matches operational reality.

Retail & Hospitality Healthcare & Medical Logistics & Transport Commercial Real Estate Agriculture Professional Services Manufacturing
Specialized Financing

Capital to take your business to the next level

Choose a financing path designed for your stage of growth. We focus on fit: the right product, the right terms, and the right timing.

Equipment Financing

Lease or purchase new machinery, vehicles, and tech with 100% financing and terms matched to equipment lifespan.

Explore options →

SBA 7(a) & 504

Government-backed structures with lower down payments and extended amortizations for major acquisitions.

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Lines of Credit

Flexible revolving credit up to $2M to handle inventory, seasonal gaps, and opportunistic investments instantly.

Credit solutions →
Institutional scale

Construction & Development Finance

Large-scale development introduces timing gaps, inspection complexity, and significant capital risk. Sterling Gap supports ground-up construction and major tenant improvement financing with an emphasis on seamless draw schedules and predictable cash flow.

Our structure is built around your real-world timelines, offering interest-only draw periods and seamless conversion to permanent financing once the project stabilizes.

Large scale development and logistics
Next step

Let’s align capital to your goals

A short application can clarify the best path, rates, and timelines for your specific scenario. No pressure. Just structure and clarity.

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