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
MCA vs. Invoice Factoring: Which Funding Option Fits Your Business?
MCA vs. Invoice Factoring: Which Funding Option Fits Your Business?
Every business faces cash flow challenges at some point. Whether it’s covering payroll, purchasing inventory, or handling unexpected expenses, securing the right funding can make all the difference. Two popular financing options for businesses in need of fast capital are Merchant Cash Advances (MCAs) and Invoice Factoring. But which one is the best fit for your business? Let’s break down the differences and key considerations.
What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance provides a lump sum of capital in exchange for a percentage of future sales. Repayments are typically made through daily or weekly deductions from revenue, making MCAs a flexible solution for businesses with steady sales.
Pros of MCAs:
Fast approval & funding – Receive funds in as little as 24-48 hours.
No collateral required – Approval is based on revenue, not assets.
Flexible repayment – Payments adjust with business performance.
Cons of MCAs:
Higher costs – Factor rates range from 1.2 to 1.5, making them more expensive than traditional loans.
Frequent deductions – Daily or weekly payments can strain cash flow.
Shorter repayment terms – Typically ranging from a few months to a year.
What is Invoice Factoring?
Invoice Factoring allows businesses to sell their outstanding invoices to a third-party factoring company at a discount in exchange for immediate cash. Instead of waiting for customers to pay, businesses receive an advance on their invoices.
Pros of Invoice Factoring:
Improves cash flow – Get immediate access to funds tied up in unpaid invoices.
No debt incurred – It’s not a loan; it’s an advance on future payments.
Easier approval – Factoring is based on customer creditworthiness rather than business credit.
Cons of Invoice Factoring:
Customer relationships – The factoring company may collect payments directly from your clients.
Ongoing costs – Fees are based on the invoice amount and can add up over time.
Industry restrictions – Works best for businesses with B2B invoicing, not retail or cash-based businesses.
Which Funding Option is Right for You?
Choosing between an MCA and Invoice Factoring depends on your business model and financial needs:
Choose an MCA if you need quick, flexible funding and generate consistent daily sales.
Choose Invoice Factoring if you have unpaid invoices from creditworthy customers and want to improve cash flow without taking on debt.
At Rowan Advance, we specialize in fast and reliable business funding solutions. If you’re unsure which option is best for you, our team is here to help guide you through the process.
Final Thoughts
Both MCAs and Invoice Factoring offer unique advantages depending on your business’s needs. Understanding the key differences can help you make an informed decision about the best way to maintain healthy cash flow and fuel growth.
Need funding? Contact Rowan Advance today to explore your options and find the right financial solution for your business!
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]