Sterlo turns bank statements, books and tax returns into verified data, finds every existing obligation, scores the credit against your policy and drafts terms — for revenue-based financing, merchant cash advance and short-term small-business loans. Your underwriters spend their time deciding, not keying data.
Score small-business credit from bank data, books and tax returns — existing obligations, debt-service coverage and a 3-way revenue check. Re-score the book on a new policy and hand investors a clean loan tape.
Position and stacking detection, factor-rate offer grids, state disclosures, e-sign, ACH remittance tracking and syndication.
Pre-qualify before you submit, give partners a live deal tracker, and route files with structured, verified data.
Participations, investor statements and vintage performance by grade, ISO and industry — the reporting a fund manager expects.
Connect once. Every broker, marketplace or direct applicant after that arrives already analyzed, in a pipeline your credit team works from.
Forward your submissions mailbox to your private Sterlo address — Gmail, Google Workspace or Outlook — or share your own application link with ISOs.
Bank statements are read automatically, transactions tagged, and true revenue separated from transfers, loans and refunds.
Existing positions are found, your knockouts and credit policy are applied, and the deal gets a transparent grade with the reasons behind it.
An offer is drafted from your pricing grid. Your underwriter reviews, adjusts and approves — nothing goes out on its own.
PDFs and CSVs from any bank — scans too, read by AI and cross-checked against the statement's own totals. Duplicate uploads never double-count.
Monthly revenue by source with transfers, funding deposits and refunds stripped out, plus deposit cadence and trend.
Loan, advance and lease payments are found in the bank data, sized and forecast to payoff — so you see total debt service and where you'd sit.
Stability, durability, momentum, concentration, cash-flow cover and balances roll up into an A–F grade you can explain.
Set your own knockouts, restricted industries and states, and upload your full rulebook. Deals route to Fund, Restricted or Decline.
Advance, factor and term from your own grade-based pricing grid, capped by total debt service. Always a draft until you approve.
Statement consistency checks, business verification and an independent AI risk read that sits alongside — never replaces — the score.
Score history, grade migrations and new-position alerts on funded deals, plus a renewal-eligibility list.
Unlimited users with admin, underwriter and viewer roles, Google sign-in, a shared deal queue with assign and snooze, and Slack alerts.
Ask “why did this score drop?” or “which funded deals are falling behind?” and get answers from your own book. Anything it suggests changing waits for your approval.
Missing-document chases, RFIs, renewal and payment check-ins drafted by email or SMS, with a private upload link. Replies land on the deal.
Re-score every live deal on a new policy, export an investor-ready loan tape, and track vintage performance by grade, ISO and industry.
Not just a score. Intake, closing, servicing and your broker and investor relationships run in the same place, on the same data.
Connects to your stack: REST API · MCP for Claude · HubSpot · Salesforce · Centrex · Plaid · QuickBooks & Xero exports · Twilio SMS · Slack alerts · webhooks
Sterlo is built from the ground up for many lenders on one platform — so isolation isn't an afterthought.
Every plan includes unlimited users and every feature. A deal counts once — the first time its statements are analyzed. Re-runs and extra statements are free.
Need more than 600 deals a month or a custom integration? Talk to us.
Any provider that can forward mail: Gmail, Google Workspace, Outlook and Microsoft 365 included. You get a private forwarding address in Settings, and Gmail's confirmation code shows up right there. You can also connect a mailbox directly with an app password.
PDF statements and CSV exports from any bank. Digital PDFs are read directly; scanned PDFs are read by AI, and the extracted rows are added up against the statement's own summary. Pages it isn't sure about are skipped rather than guessed, and any unverified result is clearly labelled.
Yes. Set knockouts, scorecard weights, grade cutoffs, restricted industries and states, and your offer pricing grid in Settings, or upload your complete credit policy. Every company's rules are private to that company.
No. Sterlo drafts; your team decides. Offers are never sent automatically.
Yes, without accounts. Each ISO gets a private portal link to submit deals, track every stage live and see their commissions; each syndicator gets an investor statement link. They only ever see their own deals.
It drafts the messages — missing documents, RFIs, renewals, payment check-ins — by email or SMS, with a private upload link. A person on your team always presses Send, and replies show up on the deal.
Both. State disclosures, contracts with e-signature, ACH payment tracking, syndication, ISO commissions and collections handoff are built in, so a deal goes from submission to payoff in one place.
Only users you invite to your company. Data is separated per company at the database level, and you control each teammate's role.
Each plan includes a monthly number of deals. A deal counts once, when its statements are first analyzed; deals over your allowance are billed at your plan's per-deal rate on the next invoice. You can change plans or cancel any time from Billing.
Create your company account, connect your inbox, and your next broker submission arrives already underwritten.
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