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
MCA vs. Bank Loans: Understanding the Key Differences for Business Owners
MCA vs. Bank Loans: Understanding the Key Differences for Business Owners
When it comes to securing funding for your business, choosing the right financing option can make all the difference. Two common options that business owners consider are Merchant Cash Advances (MCAs) and Traditional Bank Loans. While both provide access to capital, they differ significantly in structure, approval process, repayment, and flexibility. Understanding these differences will help you determine which option best suits your business needs.
Approval Process & Speed
Merchant Cash Advance (MCA): One of the biggest advantages of an MCA is its fast approval process. Businesses with strong daily or monthly revenue can get funded within 24-48 hours. Credit scores are less of a factor, and approvals are based primarily on cash flow.
Bank Loans: Traditional bank loans require a lengthy application process, extensive paperwork, and a strong credit history. Approvals can take weeks or even months, making it less ideal for businesses in immediate need of capital.
Repayment Structure
MCA: Repayments are flexible and are typically a percentage of daily or weekly sales. This means that during slower months, your payment adjusts accordingly, easing the burden on your cash flow.
Bank Loans: Repayments follow a fixed monthly schedule, regardless of your business revenue. Missing a payment can result in penalties and a negative impact on your credit score.
Collateral & Requirements
MCA: No collateral is required. Approval is primarily based on sales volume and business performance, making it a great option for businesses that may not have significant assets.
Bank Loans: Often require collateral, such as real estate or equipment, and a detailed financial history. This can make it challenging for newer businesses or those with fluctuating revenue.
Loan Amounts & Costs
MCA: While MCAs offer fast and accessible funding, they typically come with higher costs in the form of factor rates, which can result in a higher effective interest rate than traditional loans.
Bank Loans: Offer lower interest rates and longer repayment terms, but strict requirements mean fewer businesses qualify.
Which One Is Right for You?
Choosing between an MCA and a traditional bank loan depends on your business’s needs and financial situation:
If you need fast, flexible funding with minimal requirements, an MCA might be the best choice.
If you have strong credit, collateral, and can wait for approval, a bank loan may provide more favorable terms.
At Rowan Advance, we specialize in fast, hassle-free funding solutions designed for business owners who need capital without the wait. If you're looking for a financing option that fits your business's cash flow, contact us today to explore our MCA options and get the funding you need—when you need it!
Looking to fund your next deal? Send your deals to [email protected] or visit www.rowanadvance.co to learn more!
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!
