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 $1,500,000
Need a lot of capital fast? For businesses that qualify, ask about our jumbo-product. Receive up to $1 Million within the day!
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 1.279.
Same-day commissions on every deal.
Flexible terms up to 54 weeks.
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 Criteria
• Targeting clean 2nd positions (40–54 weeks) or recently paid-off 1st positions
• EPA-ready deals welcome – fast, simple process
• Must show consistent deposits & accounts receivable
• Strong revenue ($100K+/month) and established time in business preferred
• MCA history reviewed closely
• High-risk deals accepted (12–24 week terms) with strong AR & revenue
• Daily and weekly repayment options available
• Funding up to $1.5MM
• Average Deal Size: $239,000
• Clean MCA history
• Terms: 3–12 months
• All states including NY
• Max 5 negative days
• 12 months in business
• Weekly payments is always an option
Program Requirements
Funding Amount: $50,000 – $1,500,000
Minimum Revenue: $100,000
Restricted Industries
❌ Nail Salons
❌ Financial
❌ Legal
❌ Auto Sales
Preferred Industries
Doctors and Dentists, Healthcare Equipment, Pharmacies and Drug Stores, Therapist/Behavioral Health, Urgent Care Clinics, Bakeries, Bars and Nightclubs, Beer/Wine/Liquor Stores, Restaurants, Commercial Cleaning, Government Contractors, Manufacturing
Blogs and Articles
What Makes a Strong 2nd Position Deal in 2025?
What Makes a Strong 2nd Position Deal in 2025?
As the MCA landscape continues to evolve in 2025, second position deals remain a big opportunity for ISO brokers—especially when first positions are already tied up with competitive offers. But what makes a second position stand out in today’s market? At Rowan Advance, we’re actively funding 2nd positions with speed and strong commissions—but we’re also selective. Here’s what we look for to make a second position deal a win for everyone involved.
1. Healthy Cash Flow
The #1 factor: does the merchant have the cash flow to support two payments? We’re looking at daily or weekly deposits that comfortably support the first and second position payments, with room to breathe. Bonus points if the merchant isn’t maxed out on their processing capacity or margins.
2. Strong First Position Structure
Not all firsts are created equal. A solid 1st position should have reasonable terms (not ultra-stacked), manageable balances, and a funder with a solid reputation. If the first is being paid down aggressively and the merchant has stayed current—those are green flags.
3. Clean Payment History
We know things happen—but the cleaner the track record, the easier the approval. We love seeing merchants with consistent, on-time payment history. Defaults or recent NSF activity? That’ll need explanation and extra documentation to move forward.
4. Industry Stability
Certain industries just perform better in 2025’s environment. Home services, logistics, medical practices, construction, and e-commerce are standing out this year. If your 2nd position deal falls into one of those buckets, let’s talk.
5. Minimal Stacking
Stacking beyond a second position can complicate underwriting and spike the risk profile. At Rowan Advance, we’re currently looking at up to 3rd positions on select files—but a clean 2nd is our sweet spot. If there are multiple stacks, we’ll want to understand the merchant’s full payment schedule and why additional funding is truly needed.
6. Purpose of Funds
Merchants looking for growth capital, equipment purchases, or seasonal inventory restocks usually have a clear path to ROI. That’s much stronger than “just covering cash flow.” Clear, growth-oriented use of funds gives us more confidence in the deal’s long-term success.
Bottom Line: We’re Ready for Your 2nd Position Files
At Rowan Advance, we’re funding 2nd positions fast—with flexible terms, early payoff options, and generous commissions. If your file checks the boxes above, send it in. Not sure? Let’s workshop it together.
Let’s get those deals funded.
Ready to submit or want feedback on a file? Contact Rowan Advance today at [email protected]
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!
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