Adaptable Funding Options for Small Enterprises

Seeking business funds? Rowan Advance offers flexible financing, beyond credit scores. Send deals hassle-free today.

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Our quick underwriting process provides approvals faster than most small business lenders.

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Gain access to the funds you need, fast – once you qualify for small business financing.

Up to $500,000

Get the capital you need to grow your business, without the burden of inflexible repayment terms.

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.

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1500+

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30+

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Worry-Free Financing for Businesses

As a small business owner, borrowing money is often the cost of doing business; but qualifying for funding from top lenders can be difficult when you have a poor credit score. Even worse, these bad credit business loans often come with high interest rates and inflexible repayment terms.

At Rowan Advance, we believe in supporting business owners by providing sizable funding while ensuring the capital provided does not put an undue burden on their businesses. We provide capital of up to $500,000 while using an in-depth underwriting process to ensure business owners are able to pay back the capital without the stress.

Bad credit approved

We look beyond credit score to offer flexible SMB financing

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Apply online with our fast but thorough underwriting process

Transparent repayment terms

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BLOGS AND ARTICLES

Overcoming Cash Flow Challenges with Merchant Cash Advances

MCA

October 23, 2024•1 min read

Maintaining consistent cash flow is essential for any business, but unexpected expenses or slow periods can create financial stress. Merchant cash advances (MCAs) offer a flexible solution to overcome these challenges, providing immediate access to working capital based on future sales. Here’s how MCAs can help stabilize cash flow and keep your business running smoothly.

1. Immediate Access to Funds

Unlike traditional loans, MCAs provide fast access to capital without lengthy approval processes. Whether you need to cover payroll, inventory, or urgent repairs, MCAs ensure you have funds when you need them most.

2. Flexible Repayment Terms

Merchant cash advances are repaid as a percentage of daily credit card sales, meaning your payments fluctuate with your revenue. This flexibility makes it easier to manage cash flow without worrying about fixed monthly payments.

3. Handling Unplanned Expenses

Unexpected expenses—like equipment breakdowns or supplier cost increases—can disrupt your operations. With an MCA, you can quickly secure the funds needed to cover these expenses, ensuring your business doesn’t miss a beat.

4. Supporting Seasonal Businesses

For businesses with seasonal cycles, managing cash flow during off-peak times can be difficult. An MCA helps bridge the gap between busy seasons, giving you the working capital you need to maintain operations until business picks up again.

Merchant cash advances offer a lifeline to businesses facing cash flow issues, providing the flexibility to cover unexpected costs and seasonal fluctuations. By leveraging future sales for immediate funding, MCAs can help your business stay stable and grow with confidence.

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Eli Sklar

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ABOUT ROWAN ADVANCE

As a small business owner, borrowing money is often the cost of doing business; but qualifying for funding from top lenders can be difficult when you have a poor credit score. Even worse, these bad credit business loans often come with high interest rates and inflexible repayment terms.

At Rowan Advance, we believe in supporting business owners by providing sizable funding while ensuring the capital provided does not put an undue burden on their businesses. We provide capital of up to $500,000 while using an in-depth underwriting process to ensure business owners are able to pay back the capital without the stress.

Partnering for Success THROUGH MCA

A Merchant Cash Advance (MCA) is a financial product that provides businesses with a lump sum of capital in exchange for a percentage of their daily credit card sales, plus a fee. This type of financing is typically used by small businesses that may not qualify for traditional loans or have immediate cash flow needs.