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Merchant Cash Advance

Same Day Funding Flexible Financing Terms Restaurants For... Google Ratings BBB Logo $10K to $5 Million small business owner

Get Started Today & Speak With An Advisor

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Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

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No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

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Larger Amounts

Get matched with the best financing options with the highest funding amount.

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Same Day Funding

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$15,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $15,000+ per month, or $180,000 in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Fintech Speed

Easy 15-second application to get options in just minutes and funding in hours!

Have Questions?
Speak with a ROK Business Financing Advisor today!

Our Business Financing Advisors will help you find the best financing options for your business to get you more funding, better terms, and lower interest rates. We're available to explain every step of the process from applications to your re-payment schedule!

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Resources & Frequently Asked Questions

🌟 What is a Merchant Cash Advance (MCA)?

A Merchant Cash Advance isn’t technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. Since a merchant cash advance is based on a certain percentage of the daily balance, the more credit card sales a business does the faster they are able to repay the advance. On the other hand, during times of slow business, the payback would be reflective of the incoming cash flow.

To learn more about a merchant cash advance (MCA) complete our 15-second online application today and speak directly with a business financing advisor.

How Does a Merchant Cash Advance Work?

A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.

To learn more on how a merchant cash advance works, complete our 15-second application and speak with a business financing advisor.

Are Merchant Cash Advance's The Same As a Loan?

A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.

Explore your options when it comes to an merchant cash advance by completing our 15-second online application today. 

Simple 15-Second
Business Loan Application

After completing this simple application, we'll pair your with a dedicated Business Financing Advisor to choose the best financing options for your business!

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Our goal is to help get businesses back to business by providing the best small business and commercial lending options available today. Our streamlined processes and strong relationships allow us to process hundreds of transactions/month resulting in hundreds of millions of dollars distributed to small businesses, nationwide on a monthly basis.

Office Hours

Monday - Saturday
8:00 A.M. - 6:00 P.M. (EST)
Closed on Sunday

Corporate Office

3500 Sunrise Hwy
Building 100 Suite 201
Great River, NY 11739

Need Support?

Our Team Is Ready To Help!

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