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
Revenue-Based Financing vs. Traditional Loans: Which is Best for Your Business?
Revenue-Based Financing vs. Traditional Loans: Which is Best for Your Business?
When business owners seek funding, they often face a critical decision: opt for a traditional loan or explore alternative financing like revenue-based financing (RBF). Understanding the differences between these options is key to making the right choice for your business’s unique needs.
What is Revenue-Based Financing?
Revenue-based financing is a flexible funding solution where businesses receive capital in exchange for a percentage of future revenue. Instead of fixed monthly payments, the amount repaid fluctuates based on sales, making it an attractive option for businesses with variable income.
Pros of Revenue-Based Financing:
Flexible Payments – Repayments adjust based on revenue, making it easier to manage during slow months.
No Collateral Required – Unlike traditional loans, RBF does not require physical assets as security.
Quick Access to Capital – Approval and funding are often much faster than traditional lending options.
Lower Risk for Businesses – Since payments are tied to revenue, businesses won’t struggle with fixed obligations.
Cons of Revenue-Based Financing:
Higher Cost Over Time – RBF may result in higher repayment costs compared to fixed-interest loans.
Revenue Deduction – A portion of sales will consistently go toward repayment, affecting cash flow.
What is a Traditional Loan?
Traditional bank loans provide a lump sum of capital that businesses repay over time through fixed monthly payments, usually with interest. These loans come in various forms, including term loans, SBA loans, and business lines of credit.
Pros of Traditional Loans:
Predictable Repayment Structure – Fixed monthly payments help with financial planning.
Lower Cost in Some Cases – Interest rates can be more favorable than revenue-based financing, especially for strong credit applicants.
Multiple Loan Options – Businesses can choose from various loan structures to meet specific needs.
Cons of Traditional Loans:
Strict Qualification Requirements – Banks typically require strong credit, collateral, and detailed financial records.
Fixed Payments Regardless of Revenue – Even during slow months, businesses must make their full loan payments.
Longer Approval Process – Traditional loans can take weeks or months for approval and funding.
Which Option is Right for Your Business?
The best funding option depends on your business’s financial situation, growth potential, and ability to meet repayment terms.
If your revenue is inconsistent and you need quick, flexible funding, revenue-based financing might be the better choice.
If you have strong financials, predictable revenue, and can qualify for lower interest rates, a traditional loan could provide cost-effective capital.
At Rowan Advance, we work closely with ISO brokers and merchants to ensure they have access to the best funding solutions available. Whether you’re looking for revenue-based financing or traditional loan options, our goal is to help you close more deals and grow your business.
Partner with Rowan Advance today and start funding more deals with confidence!
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!
