Q1. WHAT'S THE DIFFERENCE BETWEEN A MERCHANT CASH ADVANCE AND A LOAN?
Merchant Cash Advance / Working Capital
for your small business- Same day funding
- Finance $10,000 to $5 million
- Flexible financing terms
get started today and speak with an advisor
what is a merchant cash advance / working capital?
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.
SIMPLE APPLICATION
Our simple 15-second online application can get you matched with offers in minutes.
NO MINIMUM FICO
Bad credit? No problem! Most of our top financing options have no minimum FICO.
LARGER AMOUNTS
Get matched with the best financing options with the highest funding amounts.
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?
4+ Months in Business
You can qualify for our top financing options with as little as 4+ months in business.
$10,000+ Monthly Gross Sales
The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.
No Minimum FICO
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Why ROK Financial?
Stellar Reputation
Backed by thousands of 5-star reviews, our business financing experts will work with you to solve your business challenges.
Technology-First Approach
ROK Intelligence uses AI to streamline the funding process. Get an instant pre-approval and flexible loan options that fit your business needs.
Multiple Options
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Zero Surprises
ROK's offer calculator takes the guesswork out of business financing. It provides full transparency on terms. No surprises.
ROK Intelligence - our winning combination of quick delivery and excellent customer care. Getting started is easy.
Step 1. Apply Online
Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.
Step 2. Review Options
Your personal loan advisor will discuss finance options available with you for your business.
Step 3.Receive Your Funds
Finish the online application process and receive your funds in as little as 24 hours.
Dennis
Business Owner
"ROK Financial provided exceptional service, offered with consideration of individual context. They were focused on forming a basis for a worthwhile long-term financial relationship for growth and prosperity. I recommend them without reservation."
secure an instant pre-approvalResources & Frequently Asked Questions
Q2. HOW DOES A MERCHANT CASH ADVANCE WORK?
Q3. HOW EASY IS THE MCA APPROVAL PROCESS?