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.

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Apply Fast

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

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Same-Day Funding

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

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Up to $1,000,000

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

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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

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1500+

Merchants Served

Trusted by over 1,500 businesses, we provide fast and reliable funding solutions tailored to diverse financial needs.

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100+

Industries Covered

From retail to healthcare, we support businesses across 30+ industries with flexible funding options to fuel their growth.

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$250m+

Deals Funded

Over $10 million in funding delivered monthly and $250 million funded in over two years.

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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

🔹 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

🔹 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

🔹 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

Blogs and Articles

Seasonal Business Owners

The Impact of Merchant Cash Advances on Seasonal Businesses

October 24, 20243 min read

Seasonal businesses often face unique financial challenges. During peak periods, cash flow is abundant, but off-seasons can create significant financial strain. Merchant cash advances (MCAs) have become an increasingly popular financing solution for seasonal businesses, offering flexibility and fast access to working capital. In this blog, we’ll dive into how MCAs are helping seasonal businesses thrive, with recent data highlighting the benefits.


1. Bridging the Gap During Off-Seasons

One of the biggest challenges for seasonal businesses is maintaining cash flow during slower months. According to a 2023 U.S. Chamber of Commerce report, 60% of seasonal businesses struggle to manage operating expenses during off-peak times. Merchant cash advances provide a valuable solution by offering quick access to working capital based on projected future sales, helping businesses cover rent, payroll, and other overhead costs during their low seasons.


2. Flexible Repayments Tailored to Seasonal Revenue

Unlike traditional loans, MCAs offer flexible repayment terms tied to daily credit card sales, making them ideal for businesses with fluctuating revenues. For seasonal businesses, this means repayments are higher during peak sales months and lower during slower periods, providing much-needed breathing room. A recent survey by Small Business Trends in 2023 found that 72% of seasonal business owners who use MCAs appreciate this flexibility, as it allows them to manage cash flow without the pressure of fixed monthly payments.


3. Quick Funding for Peak Season Preparations

Preparing for a busy season often requires significant upfront investment, whether it's purchasing inventory, hiring additional staff, or ramping up marketing efforts. Merchant cash advances provide the funds needed to make these preparations without waiting for traditional loan approvals. Business Insider reported in 2023 that 58% of seasonal businesses rely on MCAs for fast funding to gear up for peak seasons. This quick access to capital helps businesses capitalize on busy periods and maximize profits.


4. Keeping Up with Demand During Busy Months

For many seasonal businesses, meeting high customer demand during peak months can be a logistical challenge. Merchant cash advances allow businesses to scale quickly by covering the costs of inventory restocking, additional staff, and upgraded equipment. In fact, a 2023 study by MarketWatch found that 65% of seasonal businesses using MCAs were able to increase sales by 20% or more during peak seasons thanks to the additional working capital.


5. Flexibility in Fund Use

Unlike traditional loans, MCAs come with no restrictions on how the funds are used. This is especially beneficial for seasonal businesses that need to be agile in their spending. Whether it’s maintaining operations during the off-season, investing in marketing, or upgrading equipment to prepare for a busy season, business owners can allocate funds where they’re needed most. According to Entrepreneur magazine, 70% of seasonal business owners prefer MCAs because of the flexibility they offer in using funds to address various business needs.



For seasonal businesses, managing cash flow throughout the year is essential for success. Merchant cash advances provide the flexibility, speed, and accessibility that seasonal businesses need to navigate both the highs and lows of the year. With flexible repayment terms and quick funding, MCAs are becoming a key financial tool for seasonal businesses looking to grow and stabilize their operations.

Merchant Cash Advances for Seasonal BusinessesSeasonal Business FundingCash Flow Management for Seasonal BusinessesFlexible Business FinancingQuick Funding for Seasonal BusinessesSeasonal Business LoansMCA for Peak Season PreparationsAlternative Financing for Seasonal BusinessRepayment Flexibility for Seasonal BusinessesBusiness Funding for Off-Seasons
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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 Me

Call me at: ‪+1 (516) 902‑8593‬

Mail me at: [email protected]