Funding that moves
your business forward.
18 Sierra Financial places capital directly and through our network of lending partners. Whatever your next move, we structure the deal and get it done.
What we finance
Four categories. Every kind of financing.
Asset-Based Lending
Turn the receivables, inventory, and purchase orders already on your books into working capital.
A/R · Purchase orders · Inventory & valuation
Business Financing
Funding for the big moves: equipment, a new location, buying a competitor, or buying out a partner.
Equipment · Franchise · Healthcare · SBA · M&A
Commercial Real Estate
Financing at every stage of a project, from raw land and construction through to long-term debt.
Bridge · Construction · Fix & flip · Rentals · PE & JV
Working Capital
Fast cash for short-term needs, set up to be paid back on a clear timeline.
Lines of credit · Revenue-based advances
Why business owners choose us
Built for real businesses and the deals that don't fit a box.
Most lenders are built to say no to anything that doesn't fit a template. We were built for the deals that don't.
About 18 SierraTalk to a decision-maker, not a call center
You deal directly with someone who can say yes. No phone queue, and no banker reading from a script.
Straight answers, early
If a deal won't work, you'll hear it fast. We respect your time as much as our own.
We place capital directly and through partners
We fund deals directly when they fit, and bring in our network of lending partners when they don't. One relationship, a lot of options.
The numbers, upfront
Rates, fees, and terms in writing before you commit. No surprises later.
How it works
From first call to funding.
Tell us the deal
Tell us what you need and what you've got to work with. A short call is usually enough.
Direct or through partners
We figure out whether to fund it ourselves or bring in a lending partner, and build the deal around it.
In writing
Rates, fees, and terms on paper for you to review before anything is signed.
Close and beyond
We push the deal to close and stick around well after the money lands.
Let's talk