Empowering ISOs to Succeed
Adaptable Funding Options
for Small Enterprises
Seeking business funds for your merchants?
Rowan Advance offers flexible financing, beyond credit scores. Send deals hassle-free today.
Fast Approvals
We blend cutting-edge technology with manual review to deliver a streamlined underwriting process at a higher than industry-standard approval rate.
Same Day Funding
Once approved, gain access to your funds right away. From Submission to Wire Sent in as little as 2 hours.
Up to $1,500,000
Need a lot of capital fast? For businesses that qualify, ask about our jumbo-product. Receive up to $1 Million within the day!
Striving for Financial Clarity and Confidence
Fast funding, flexible terms, unbeatable commissions.
Apply Fast
Our quick underwriting process provides approvals faster than most small business lenders.
Same-Day Funding
Gain access to the funds you need, fast – once you qualify for small business financing.
Up to $1,000,000
Get the capital you need to grow your business, without the burden of inflexible repayment terms.
High Commissions
Competitive rates, fast processing, and same-day commissions put more money in your pocket.
Bad Credit? Apply for
Hassle-Free Financing
Credit requirements often prevent business owners from getting the financing they need to get their small businesses off the ground. At Rowan Advance, our goal is to provide capital for small businesses by considering a range of factors beyond a poor credit score.
Need funding? We’ll provide the hassle-free financing you need with the best-in-class service you deserve.
Why Choose Rowan Advance?
Rowan Advance delivers fast, flexible funding with competitive rates, high commissions, and minimal stipulations. We prioritize same-day approvals, seamless processing, and early prepay discounts. Partner with us for a smooth, rewarding funding experience.
Competitive rates starting from 1.28.
Same-day commissions on every deal.
Flexible terms from 8 to 12 months.
Minimal stipulations for quicker approvals.
Early prepay discounts for merchants.
Why Choose Rowan Advance?
Rowan Advance delivers fast, flexible funding with competitive rates, high commissions, and minimal stipulations. We prioritize same-day approvals, seamless processing, and early prepay discounts. Partner with us for a smooth, rewarding funding experience.
Competitive rates starting from 1.279.
Same-day commissions on every deal.
Flexible terms up to 54 weeks.
Minimal stipulations for quicker approvals.
Early prepay discounts for merchants.
Providing The Simplest Solution For The Most Complex Problem
1500+
Merchants Served
Trusted by over 1,500 businesses, we provide fast and reliable funding solutions tailored to diverse financial needs.
100+
Industries Covered
From retail to healthcare, we support businesses across 30+ industries with flexible funding options to fuel their growth.
$250m+
Deals Funded
Over $10 million in funding delivered monthly and $250 million funded in over two years.
300+
5-Star Reviews
Highly rated by partners and clients, our exceptional service and funding solutions have earned over 300 five-star reviews.
Our Underwriting Guidelines
✅ Funding Criteria
• Targeting clean 2nd positions (40–54 weeks) or recently paid-off 1st positions
• EPA-ready deals welcome – fast, simple process
• Must show consistent deposits & accounts receivable
• Strong revenue ($100K+/month) and established time in business preferred
• MCA history reviewed closely
• High-risk deals accepted (12–24 week terms) with strong AR & revenue
• Daily and weekly repayment options available
• Funding up to $1.5MM
• Average Deal Size: $239,000
• Clean MCA history
• Terms: 3–12 months
• All states including NY
• Max 5 negative days
• 12 months in business
• Weekly payments is always an option
Program Requirements
Funding Amount: $50,000 – $1,500,000
Minimum Revenue: $100,000
Restricted Industries
❌ Nail Salons
❌ Financial
❌ Legal
❌ Auto Sales
Preferred Industries
Doctors and Dentists, Healthcare Equipment, Pharmacies and Drug Stores, Therapist/Behavioral Health, Urgent Care Clinics, Bakeries, Bars and Nightclubs, Beer/Wine/Liquor Stores, Restaurants, Commercial Cleaning, Government Contractors, Manufacturing
Blogs and Articles
Fast Funding for Small Businesses: Is an MCA the Right Choice for You?
Fast Funding for Small Businesses: Is an MCA the Right Choice for You?
For many small business owners, access to quick capital can mean the difference between seizing a new opportunity and missing out. Whether it’s covering unexpected expenses, purchasing inventory, or expanding operations, fast funding is often crucial. One popular option is a Merchant Cash Advance (MCA), but is it the right choice for your business? Let’s explore the benefits, costs, and key factors to consider before applying for an MCA.
What is a Merchant Cash Advance?
A Merchant Cash Advance isn’t a traditional loan. Instead, it provides a lump sum of cash in exchange for a percentage of your future credit card or daily sales. The repayment is structured as a fixed percentage of your revenue, making it a flexible funding solution for businesses with fluctuating income.
The Advantages of an MCA
Speed of Funding
One of the biggest advantages of an MCA is the fast approval process. Unlike bank loans that take weeks or even months, MCAs can be approved and funded within 24 to 48 hours.Minimal Requirements
Traditional lenders often require extensive paperwork, collateral, and high credit scores. MCAs, on the other hand, focus more on business revenue, making them accessible to a wider range of businesses.Flexible Repayment
Since repayments are based on a percentage of daily sales, businesses don’t have to worry about fixed monthly payments. When sales are high, more is repaid; when sales are low, payments adjust accordingly.
Things to Consider Before Taking an MCA
Factor Rates Instead of Interest Rates
MCAs use factor rates (typically ranging from 1.2 to 1.5), which means you pay back a fixed amount over time. This can make the cost of borrowing higher than a traditional loan.Impact on Cash Flow
While repayment is flexible, daily or weekly deductions can still impact your cash flow. It’s important to evaluate whether your business can sustain the repayment structure.Shorter Terms
MCAs are designed for short-term needs, usually with repayment terms ranging from a few months to a year. If you need long-term financing, other funding options may be more suitable.
Is an MCA Right for Your Business?
MCAs are best suited for businesses that need quick funding and generate consistent sales. If you have a short-term opportunity or urgent financial need and are confident in your ability to manage repayments, an MCA could be a great solution.
At Rowan Advance, we offer fast and transparent funding solutions tailored to your business needs. Our team is here to guide you through the process and help you determine if an MCA is the right choice for you.
Final Thoughts
Merchant Cash Advances provide an excellent way to access fast capital, but understanding their structure and costs is essential. By weighing the pros and cons, you can make an informed decision about whether an MCA aligns with your business goals.
Need funding fast? Contact Rowan Advance today to explore your options and get the capital your business needs to thrive!
Empowering ISOs to Succeed
Can you tell me more about Rowan Advance?
Rowan Advance is a trusted funding partner for ISO brokers, providing fast, flexible, and high-commission financing solutions for your merchants. We prioritize transparency, efficiency, and strong partnerships, ensuring that you and your clients receive the best possible terms. With competitive rates, same-day approvals, and a seamless funding process, we help you close more deals and maximize your earnings.
Can you help my business access funding?
Absolutely! Rowan Advance specializes in providing revenue-based financing for merchants in various industries. We move quickly—offering fast approvals, minimal stipulations, and same-day commissions—so you can get your deals funded without delays. Whether your merchants need capital for expansion, payroll, inventory, or cash flow, we structure deals that work for them.
How much capital can my merchants access through Rowan Advance?
Rowan Advance funds deals from $10,000 up to $5 million, depending on the merchant’s financial profile, revenue, and funding history. Whether they need a small working capital boost or a larger expansion fund, we offer flexible terms that help you secure the best deal for them.
What are the rates and commissions on your funding?
We offer competitive factor rates starting at 1.28, with commissions up to 12 points. Our deals come with early prepay discounts, same-day commissions, and a commitment to matching lower offers. That means you can maximize your earnings while ensuring your merchants get the best funding solution available. Reach out today to start submitting deals!
© 2025 Rowan Advance
Contact Our Team
Eli Sklar - Senior ISO Relations
Call me at: +1 (516) 902‑8593
Mail me at: [email protected]