Commercial Financing
Three more ways to fund the next move.
Beyond SBA and bank term loans, Sierra Marketing structures merchant cash advances, business lines of credit, and commercial real estate cash out refinancing. Every one is built around your numbers, drawing on banks, non-bank lenders, and institutional partners across all 50 states.
01
Working Capital, Fast
Merchant Cash Advance
An advance against your future receivables, repaid as revenue comes in. When banks move slow and the opportunity will not wait, this is the fastest structure we place.
- Built for businesses that need capital now, not next quarter
- Available to young companies with as little as 3 months in operation
- Repayment follows your receivables instead of a fixed bank calendar
- Structured with clarity and discipline, in line with our mission to protect cash flow
Where the numbers start
3+
Months in operation is all a merchant cash advance requires
$15,000
Monthly revenue, our typical client minimum
50
States where we connect businesses with lenders
Banks Move Slow. Opportunities Do Not. Send us your numbers and we will tell you plainly what you qualify for.
How a line works for you
- 1
Get approved once
We take your numbers to our lending network and set up a revolving line.
- 2
Draw when you need it
Cover payroll, inventory, or a sudden opportunity without a new application each time.
- 3
Repay and draw again
The line stays in place, so a slow week never becomes a missed opportunity.
02
Capital On Standby
Business Line of Credit
Revolving capital you draw when you need it and repay as you go. It is the structure we recommend when the need is real but the timing is unpredictable.
- Flexible access to capital instead of one lump sum
- Fits recurring needs like inventory cycles and seasonal swings
- Typical clients start at $15,000 in monthly revenue
- Placed through banks, non-bank lenders, and institutional partners
03
Property Equity, Put to Work
Commercial Real Estate Cash Out Refinance
If your business owns commercial property, the equity sitting inside it can fund your next move. We refinance the property and return the difference to you as working capital.
- Convert built-up equity into cash without selling the property
- Typically structured at 60 to 75% loan to value
- Strategic financing with long term impact in mind, not a quick exit
- One conversation tells you what your property can raise
Typical Loan to Value
60-75%
The typical range for a commercial real estate cash out refinance. The rest stays as equity in your property.
Transparent | Strategic | Results Driven
Side By Side
Which structure fits your situation?
No guesswork. Here is how the three products compare on the thresholds we quote every client, up front.
| Merchant Cash Advance | Business Line of Credit | CRE Cash Out Refinance | |
|---|---|---|---|
| Built for | Fast working capital when timing matters most | Recurring and unpredictable capital needs | Businesses with equity in commercial property |
| How it works | Advance repaid from future receivables | Revolving line you draw, repay, and draw again | Refinance that returns property equity as cash |
| Key threshold | 3+ months in operation | $15,000 monthly revenue, our typical client minimum | Typically 60 to 75% loan to value |
| Next step | Apply now | Apply now | Apply now |
Looking for longer horizon capital instead? See our SBA and bank term loans.
Client Reviews
Funded when it mattered
Real clients on the working capital side of our business, in their own words.
“Sierra Marketing was a pleasant surprise in the midst of the chaotic world of business funding. Jason and his team took great pride in working with me to secure much needed short term funding. I would highly recommend Sierra Marketing for your funding needs. Thank you Jason!”
Anthony Cosby
“I have worked with Sierra Marketing Inc. for over 10 years, and they have consistently delivered fast, reliable business funding with complete professionalism. Jason Sierra and his team, including Lori Brown, are responsive, knowledgeable, and deeply connected in the market.”
Abraham Woods
“Great service does what they say they get it done”
Doug Ackerson
Since 2017
Not sure which of the three fits? Send us your numbers.
Tell us about your revenue, your time in business, and any property you hold. We will map the options across all three products and tell you plainly what you qualify for.