VERIFIED CLIENT ENVIRONMENT · MANSFIELD, TX HUB

Sterling Family Holdings & Enterprises

Universal Digital Twin ID: DT-TX-882914-V3 · Primary Hub: Mansfield, TX

TOTAL NET WORTH

$18.45M

↑ +14.2% YoY (Audited)

LIQUID & INVESTABLE

$5.20M

Treasury, Sweep & Custody

ACTIVE ENTITIES

6 Entities

Holdco, Propcos, Operating

BANKABILITY SCORE

94 / 100

Institutional Tier 1 Match

Entity Structure & Ownership Architecture

Synchronized with Texas SOS, Operating Agreements & D1/Neo4j Graph

100% Verified

Sterling Apex Holdings, LLC Texas Series LLC · Holdco

Parent entity holding equity in operating & commercial real estate subsidiaries.

100% Trust Owned

Sterling 2021 Dynastic Trust

Apex Logistics & Distribution LLC Operating Co

$12.4M ARR · 48 Employees · DFW Distribution Center

85% Holdco / 15% Key Exec

Cap Table Synced

Regency Parkway Industrial Properties LLC CRE Propco

Mansfield & Fort Worth Industrial Facilities · 78,000 sq ft

100% Holdco Owned

LTV: 52% · DSCR: 1.84x

Encrypted Document Vault

42 Files · Cloudflare R2

Deterministic OCR extraction & classification active.

Document Name	Category	Status
2025 Form 1120-S Tax Return	Corporate Tax	Indexed
Sterling Trust Agreement (Restated)	Estate / Trust	Verified
Commercial Term Note ($3.2M)	Debt Facility	Indexed
Key-Person Life Policy ($10M)	Insurance	Verified

Debt & Maturity Schedule

Total Debt: $4.1M

Weighted Average Cost of Debt: 5.68% · Global DSCR: 2.14x

Mansfield CRE Loan (JPMorgan) $2.65M

Maturity: Oct 2028 · 5.25% Fixed LTV: 48%

Operating Revolver (Texas Capital) $1.45M / $2.5M

Maturity: Jun 2027 · SOFR + 1.85% Clean Sweep Active

AI Family Office Intelligence Assistant

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HLP Intelligence OS: Welcome, Sterling Family Office. Your Universal Financial Digital Twin is synchronized. Ask any question regarding debt obligations, insurance renewals, entity ownership, or liquidity projections.

Professional Advisory Team & Direct Router

HLP coordinates technology and strategy. Regulated recommendations are executed with licensed fiduciary partners.

CHIEF STRATEGY & CREDIT

Chekelah Phelps & Quentin Cannon

HLP Solutions · Mansfield, TX Headquarters

Direct: chekelah@hlpcredit.com

TECHNOLOGY & CAPITAL ARCHITECT

Rick Jefferson

RJ Business Solutions · Platform Architect

Web: rjbusinesssolutions.org

FIDUCIARY LEGAL & CPA PARTNERS

DFW Private Wealth Counsel

Tax, Estate, M&A & Private Banking Team

Routing: Coordinated via HLP Engine