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 $1,000,000
Need a lot of capital fast? For businesses that qualify, ask about our jumbo-product. Receive up to $1 Million within 2-3 business days.
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 1.28.
Same-day commissions on every deal.
Flexible terms from 8 to 12 months.
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 Tiers & Terms
🔹 B PAPER
1.27 - 1.32 Buy Rates
Terms: 34 - 52 weeks
Positions: 2nd & 3rd
Funding Amounts: $50K - $1MM
Business Requirement: Must be in business 3+ years
🔹 C PAPER
1.30 - 1.35 Buy Rates
Terms: 20 - 34 weeks
Positions: 4th & 5th
Funding Amounts: $50K - $750K
Business Requirement: Must be in business 1+ years
🔹 D PAPER
Case-by-Case Approvals for D Paper
1.35 Buy Rates
Terms: 15 - 20 weeks
Industries We Love
✅ Healthcare: Doctors & Dentists, Pharmacies, Urgent Care, Healthcare Equipment, Therapists
✅Retail & Hospitality: Restaurants, Bars, Nightclubs, Liquor Stores, Bakeries
✅ Other: Manufacturing, Government Contractors, Commercial Cleaning
Where to send deals? Email [email protected] and copy [email protected].
Blogs and Articles
How to Improve Your Business Credit Score to Qualify for Better Funding
How to Improve Your Business Credit Score to Qualify for Better Funding
Your business credit score plays a crucial role in securing funding, determining your eligibility for loans, and even impacting the terms and rates you receive. Whether you're applying for a business loan, a merchant cash advance, or a line of credit, a strong credit profile can open doors to better financial opportunities. At Rowan Advance, we want to help you strengthen your business credit score so you can access the capital you need. Here’s how you can do it.
1. Check Your Credit Report Regularly
Your business credit score is influenced by the information in your credit report. Start by reviewing your report from agencies like Dun & Bradstreet, Experian Business, and Equifax Business. Look for errors, outdated information, or inaccuracies, and dispute any discrepancies to ensure your report reflects your actual financial standing.
2. Pay Bills on Time (or Early)
Timely payments are one of the biggest factors affecting your business credit score. Late payments can significantly damage your credit profile, making it harder to qualify for financing. Set up automatic payments or reminders to ensure that you consistently pay your bills on time. In some cases, paying early can even boost your creditworthiness.
3. Reduce Credit Utilization
Just like personal credit, using too much of your available business credit can negatively impact your score. Aim to keep your credit utilization ratio below 30%. If possible, pay off outstanding balances or request higher credit limits to improve this ratio.
4. Establish Trade Lines with Vendors
Building relationships with vendors that report to credit bureaus can help establish your business credit. Work with suppliers who extend credit terms and ensure that they report your positive payment history. This will gradually strengthen your credit score.
5. Separate Business and Personal Finances
Mixing personal and business finances can create confusion and impact your ability to build business credit. Open a business bank account and use a business credit card for company expenses. Keeping financials separate demonstrates credibility to lenders and helps build a more solid credit profile.
6. Apply for Credit Wisely
Each time you apply for a loan or credit card, lenders may conduct a hard inquiry, which can slightly lower your score. Avoid unnecessary credit applications, and only apply when you truly need financing. Instead, focus on improving your creditworthiness so you can secure better funding options in the future.
7. Maintain a Strong Business Presence
Lenders and credit agencies consider the stability of your business when determining creditworthiness. Ensure your company is properly registered, has an EIN (Employer Identification Number), and maintains updated business information across platforms like your website and directory listings.
Why a Strong Business Credit Score Matters
A high business credit score not only improves your chances of securing funding but also grants access to:
Lower interest rates on loans and credit lines
Higher funding amounts to support growth
Better vendor terms for supplies and services
Increased credibility with financial institutions
Rowan Advance: Your ISO Funding Partner
At Rowan Advance, we know that ISOs need reliable funding options to help their merchants succeed. A strong business credit score allows your clients to qualify for better financing, leading to more deals and higher commissions for you. By guiding your merchants to improve their credit profile, you position yourself as a valuable partner while unlocking more funding opportunities.
We specialize in fast approvals, competitive rates, and flexible funding solutions that help ISOs close more deals. Let’s work together to grow your portfolio and maximize your earning potential.
Want to fund more deals? Partner with Rowan Advance and start closing today!
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!
