All you need to know
As a ROK Affiliate
This page is your ultimate go-to resource for everything you
need to
know as a ROK affiliate partner—from who we fund and what products
we offer, to how you can maximize
your
commissions. It’s all here, all in
one place. Let’s grow together.
Our Core Borrower:
- Credit score: < 650+
- Time in Business < 1 Year
- Annual Gross Sales: $350K- $5 Million
- All other clients should still meet minimum
- requirements:
- 4-6 Months in Business
- $10,000 in Monthly Deposits
- 4 Months of Business Bank Statements
- NO Minimum FICO (Based on product)
Top Industries:
Healthcare
- Medical
- Dental
- Home Healthcare
- Assisted Living
Construction
- General Contracting
- HVAC
- Electrician
- Plumbing
Restaurants
Trucking/Transportation
Retail
Auto Repair
Manufacturing
Wholesale/ Distribution
Personal Services
- Nail Salon
- Hair Salon
- Barber
- Aesthetics/Beauty
Professional Services
- Accountant
- Attorney
- Insurance
- Real Estate
Our products
Fast facts
A Working Capital Loan is short-term financing designed to help maintain cash flow and cover a business’s everyday operational expenses, such as payroll, rent, and inventory. Whether a business is navigating seasonal fluctuations or seizing a growth opportunity, a working capital loan can provide the necessary funds to keep operations running smoothly.
Minimum Qualifications:
- 4+ Months in Business
- $10,000+ Monthly Gross Sales
- NO Minimum FICO
What’s Needed:
- Signed Application
- 4 Months Business Bank Statements
Fast Facts:
- Same Day Funding
- Up to 10-Year Terms
- Amounts Up To $5 Million
- No Use of Funds Limitations
- No Collateral Required
A business line of credit is a flexible financing option that allows businesses to borrow funds as needed, similar to a credit card. Interest is paid only on the borrowed amount, and funds can be used for various purposes like managing cash flow or covering unexpected expenses. Once repaid, the credit becomes available again, making it a revolving form of credit that can be accessed repeatedly.
Minimum Qualifications:
- 6+ Months in Business
- $10,000+ Monthly Gross Sales
- 600+ Minimum FICO
What’s Needed:
- Signed Application
- 6 Months Business Bank Statements
Fast Facts:
- Same Day Funding
- Amounts Up To $5 Million
- Flexible Repayment Terms
- Interest Only Paid on Amount Used
- Used for Cash Flow Management
A term loan is a lump sum funding, repaid in fixed installments over a set period, often used for major expenses like equipment or business expansion. Term Loans can have a fixed or variable interest rate.
Minimum Qualifications:
- 2+ Years in Business
- $10,000+ Monthly Gross Sales
- 660+ Minimum FICO
What’s Needed:
- Signed Application
- 4 Months Business Bank Statements
Fast Facts:
- Funding In As Little As 1-3 Days
- Monthly Payments Available
- Traditional APR
- No Prepayment Penalties
An SBA loan is a government-backed loan that can be used for starting or expanding a business. The loan has certain requirements for eligibility, such as size standards, providing the ability to repay and a solid business purpose.
Minimum Qualifications:
- 2+ Years in Business
- $120,000+ Annual Gross Sales
- 675+ Minimum FICO
What’s Needed:
- Signed Application
- 6 Months Business Bank Statements
- SBA Questionnaire
- Business Debt Schedule
- 3 Years Personal / Business Tax Returns
- Previous Year + YTD P&L and Balance Sheet
Fast Facts:
- Approved in 24-48 Hours
- Up to 25-Year Terms
- Amounts Up To $5 Million
- Government-Backed Funds
- Refinance Existing Business Debt
Equipment financing is a way for businesses to obtain equipment through a loan or lease. It can be used to purchase almost any tangible asset for a business. Some examples of equipment that can be financed include: medical equipment, office furniture, production equipment, and technology.
Minimum Qualifications:
- No Minimum Time in Business
- No Minimum Gross Sales
- 580+ Minimum FICO
- May vary based on equipment type
What’s Needed:
- Signed Application
- 4 Months Business Bank Statements (if applicable)
- Invoice of Quote for Equipment
Fast Facts:
- Express Funding- In As Little As 2 Days
- Low or NO Down Payment
- 1-5-Year Terms
- Amounts Up To $5 Million
- Monthly Payments Available
Commercial real estate is property intended for business use. This includes office buildings, retail locations, warehouses, and industrial facilities. Commercial real estate transactions involve buying, selling, or leasing these properties to support business activities.
Minimum Qualifications:
- 650+ Minimum FICO
- Necessary Property Documentation
- Down Payment
What’s Needed:
- Signed Application
- 6 Months Business Bank Statements
- Property Details and Address
Fast Facts:
- Potential for Income Generation
- Hedge Against Inflation
- Tax Advantages
- Appreciation
Accounts receivable financing is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.
Minimum Qualifications:
- Aging Report Required
- $500,000 Annual Gross Sales
- NO Minimum FICO
What’s Needed:
- Signed Application
- 4 Months Business Bank Statements
- Aging A/R & A/P Report
- Active Customer List
Fast Facts:
- Express Funding- In As Little As 2 Days
- Up To 10-Year Terms
- Amounts up to $5 Million
- Lower Interest Rates
- Doesn’t Require Other Collateral
Fix-and-flip financing is a short-term loan for real estate investors to buy, renovate, and sell properties, with funding based on the property's after-repair value (ARV).
Minimum Qualifications:
- 680+ Minimum FICO
- 3 successful flips in the last 36 months
What’s Needed:
- Signed Application
- 4 Months Business Bank Statements
- 3 Most Recent Hud1 Statements
Fast Facts:
- Rates Starting at 8.99%
- Funding 80% of Purchase Price and 100% of Rehab costs
- Monthly Payments
- 1-4 units
Franchise financing is a way for franchisees to obtain funds to purchase and run a franchise business. Use of funds can include franchise fees, equipment, inventory, working capital, and down payments.
Minimum Qualifications:
- 6+ Months in Business
- $10,000+ Monthly Gross Sales
- NO Minimum FICO
What’s Needed:
- Signed Application
- 4 Months Business Bank Statements
- Equipment Invoice if applicable
Fast Facts:
- Express Funding- In As Little As 2 Days
- Up To 10-Year Terms
- Amounts up to $5 Million
- Flexible Terms
An investment property loan is a loan that is used to purchase a property that will produce income. It is typically used for purchasing a property to renovate to generate rental income.
Minimum Qualifications:
- Prior History
- Minimum Property Value of $250,000
- 650+ Minimum FICO
What’s Needed:
- Signed Application
- 6 Months Business Bank Statements
- Property Details and Address
Fast Facts:
- Express Funding- In As Little As 20 Days
- Same Day Pre-Approval
- Rates Starting At 8.99%
ROK Financial Override
Commission Breakdown:
Did you know you can earn even more with ROK by building your own network of partners?
- When you refer another partner to ROK Financial, they become part of your network.
- If that partner refers a client and that client gets funded, you earn an override commission on the deal — even though you didn’t refer the client directly.
- This means you can build a team of partners under you and earn commissions not just on your own referrals, but on theirs as well.
- It's a great way to grow your income by expanding your network and supporting others who are actively referring clients.
