Sterling National Bank provides asset-based lending solutions that allow businesses to leverage their tangible assets like accounts receivable, inventory, equipment, and real estate to access financing. They offer a variety of secured loan structures including revolving lines of credit, term loans, and cash flow loans. Sterling services businesses across many industries nationwide and works to understand each industry to provide customized support and help businesses grow.

1. ASSET-BASED LENDING
Explore unexpected sources of
financial leverage to keep your
business thriving.
Sterling National Bank provides creative
asset-based financing solutions that help
keep your business thriving by allowing you
to leverage a variety of tangible assets—
your accounts receivable, inventory,
equipment, real estate, and more.
Wherever you’re located across the country,
we can accommodate your borrowing
needs. We service a range of business
categories, including wholesalers, distributors,
manufacturers, staffing, and service companies.
We apply an in-depth understand of your
industry to provide the support needed to
help you grow.

2. ASSET-BASED
LENDING
© 2016 Sterling National Bank
ABLSS 1/16
Commercial
Lending
Cash
Management
Specialty
Finance
Specialized
Business
Personal
Banking
Private
Banking
Wealth
Services*
Business Checking
& Savings
Our Full Range of Banking Solutions
We offer a wide range of financing
solutions for:
! Recapitalizations
! Acquisitions
! Growth and working capital requirements
! Debt restructuring and turnaround situations
! Capital Expenditures
Our loan structures are flexible to best
meet the needs of your business.
! Senior secured loans including revolving lines
of credit supported by accounts receivable
and inventory
! Term loans supported by equipment and
real estate
! FILO tranches
! Seasonal and traditional over-advances
! Cash flow term loans available based upon
historical pro forma performance
! Underwriting capacity in excess of $100,000,000
(provided through Sterling’s Syndication Team)
! Hold sizes of $5,000,000 to $40,000,000, with
the ability to syndicate loans for larger financing
requirements
Your Business May Also Benefit from:
! Treasury Management
! Syndication and Capital Market Services
! Equipment Finance
! Commercial Real Estate Financing
Loan Solutions Include:
Revolving Lines of Credit
! Up to 90% of eligible accounts receivable
! Up to 60% of eligible inventory with higher advance
rates available based upon appraisal and to meet
seasonal needs
Term loans
! Up to 80% of orderly liquidation value of equipment
! Up to 75% of appraised fair market value of real estate
! CapEx facilities available to finance new equipment
purchases
Cash flow loans
A percentage of the total senior credit facility exceeding
asset coverage may be provided if supported by
sufficient cash flow to meet amortization requirements
and within acceptable leverage levels
Second lien and subordinated debt
Available through preferred third-party sources
through our syndication platform
Tenors and Amortization
Tenors are typically three to five years, with term loan
amortization schedules ranging from five to 15 years,
depending on the assets and asset mix securing the loans
For more information, please contact:
Dan Chapa
Senior Managing Director
Direct: (212) 575.3470
Cell: (312) 933.6094
dchapa@snb.com
Ernest Pelli
Managing Director
Direct: (212) 575.2455
epelli@snb.com
*Not FDIC-Insured. No Bank Guarantee.
May Lose Value.