Adaptable Funding Options for Small Enterprises
Adaptable Funding Options for Small Enterprises
Fast, Flexible Financing Designed to
Keep Your Business Moving Forward
Running a business takes time, energy, and nonstop commitment. At Rowan Advance, we make sure accessing the capital you need isn’t another uphill battle. Our fast, flexible financing solutions are designed to keep your business moving forward without the delays, headaches, or heavy paperwork. When you need funding, we make it simple, so you can stay focused on what matters most: growing your business.
Apply Online
In Minutes
Decision as fast as
2 hours
Receive between
$25k-$1.5m
Fast Approvals
Same-Day Funding
Up to $1,500,000
Offers from 1.279
Fast funding, flexible terms, unbeatable commissions.
Striving for Financial Clarity and Confidence
At Rowan Advance, we’re committed to helping our partners and clients move forward with financial clarity and confidence. By offering transparent funding solutions, expert guidance, and fast, reliable service, we empower businesses to make informed decisions and grow on their terms.
Fast Closings, Faster Payouts
Quick processing and same-day commissions mean you get paid without the wait.
High Commissions
Competitive rates, fast processing, and same-day commissions put more money in your pocket.
Minimal Stips, Maximum Deals
We keep requirements light so you can fund more merchants with less hassle.
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.
Built to Fund,
Designed to Close
☑️ 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.
Tailored Funding for High-Performing Sectors
Industries We Trust, Partners We Back
We specialize in funding industries that consistently show strength, stability, and growth potential. From healthcare professionals like doctors, dentists, and therapists to thriving food and beverage businesses, manufacturers, and government contractors we understand the unique needs of these sectors and craft funding solutions that work. Our streamlined process, industry insight, and high approval rates make us the preferred partner for businesses in:
Healthcare Industry
Retail Industry
Construction Industry
Other Industries
1500+
Merchants Served
100+
Industries Covered
250m+
Deals Funded
300+
5-Star Reviews
Need Fast Funding? Call Us Anytime for Expert Support
Expert Advice and Real-World Strategies for ISO Success
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!
Need Funding Support or Have Questions? Rowan Advance Is Ready to Help!
Frequetly Asked Questions
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!
