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
The True Cost of a Merchant Cash Advance: What You Need to Know
The True Cost of a Merchant Cash Advance: What You Need to Know
When businesses need quick access to working capital, many turn to Merchant Cash Advances (MCAs) as a flexible funding solution. While MCAs provide fast funding without the rigid requirements of traditional bank loans, it’s crucial to understand the true cost associated with them. In this blog, we’ll break down the factors that determine the cost of an MCA, helping you make informed decisions when securing financing.
Understanding How MCAs Work
Unlike traditional loans that come with interest rates, MCAs provide businesses with a lump sum of cash in exchange for a percentage of future sales. The amount repaid includes a factor rate—typically ranging from 1.2 to 1.5—applied to the funded amount. This means that if you receive a $50,000 advance with a 1.3 factor rate, your total repayment would be $65,000 ($50,000 x 1.3).
Key Cost Factors of an MCA
Factor Rate vs. Interest Rate
Many business owners assume MCAs operate like traditional loans with annual percentage rates (APRs), but MCAs use a fixed factor rate instead. Unlike APRs, factor rates do not decrease over time, meaning the repayment amount remains the same regardless of how quickly you pay back the advance.Repayment Structure
MCA repayments are typically made through daily or weekly deductions from your sales. While this structure provides flexibility, it can also impact cash flow, especially for businesses with fluctuating revenue.Term Length
MCAs usually have shorter repayment periods—ranging from a few months to a year. The shorter the term, the higher the effective cost of borrowing.Additional Fees
Some MCA providers charge origination fees, administrative costs, or early repayment penalties. It’s important to review the terms carefully to understand any hidden fees that might increase the total cost.
Weighing the Pros and Cons
Pros:
Fast approval and funding, often within 24-48 hours.
No collateral required.
Approval based on revenue rather than credit score.
Flexible repayment tied to sales volume.
Cons:
Higher overall repayment cost compared to traditional loans.
Daily/weekly payments can strain cash flow.
Limited regulation, making it essential to choose a reputable provider.
How Rowan Advance Helps You Make Smart Funding Decisions
At Rowan Advance, we believe in transparency and empowering business owners with the knowledge they need to make the best financial decisions. We offer competitive factor rates, clear repayment terms, and dedicated support to help you navigate your financing options.
Before committing to an MCA, it’s essential to assess how the repayment structure aligns with your revenue flow and long-term financial goals. If you have any questions or need guidance on the best funding solution for your business, our team is here to help.
Final Thoughts
MCAs can be a valuable tool for businesses in need of quick funding, but understanding their true cost is key to making the most of this financial option. By weighing the benefits, costs, and repayment structure, you can determine whether an MCA is the right fit for your business.
Looking for a funding solution tailored to your needs? Contact Rowan Advance today and let’s discuss how we can support your business growth!
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!
