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
Is an MCA a Good Idea for Your Business? Key Factors to Consider
Is an MCA a Good Idea for Your Business? Key Factors to Consider
When you need fast funding to cover expenses, invest in growth, or manage cash flow, a Merchant Cash Advance (MCA) can be a powerful tool. But is it the right move for your business? Let’s take a closer look at what you need to consider before choosing an MCA.
What is an MCA?
An MCA provides a lump sum of capital upfront in exchange for a percentage of your future receivables. Unlike a traditional loan, there’s no fixed monthly payment. Instead, you make daily or weekly payments based on your business's revenue — meaning your payments adjust with your cash flow.
Key Factors to Consider
1. Speed of Funding
If time is critical, an MCA is hard to beat. Many businesses receive funding within 24–48 hours of approval. When unexpected opportunities or expenses arise, this speed can be a game-changer.
2. Flexibility with Credit
Banks typically have strict credit requirements. MCAs are often more flexible, focusing more on your business’s revenue than your personal or business credit score. If your credit isn't perfect but your business has strong sales, an MCA could be a great option.
3. Cost of Capital
MCAs typically carry higher costs than traditional loans. It's important to carefully review the factor rate — the cost applied to the amount borrowed — and understand the total repayment amount. Make sure the return on investment from using the funds outweighs the cost.
4. Cash Flow Impact
Because payments are tied to revenue, an MCA can ease cash flow pressure when sales are slow. However, it's crucial to ensure your margins can handle the daily or weekly withdrawals without creating strain.
5. Short-Term Needs vs. Long-Term Goals
MCAs are best suited for short-term needs: purchasing inventory, covering seasonal gaps, or seizing a timely growth opportunity. They may not be the right fit for large, long-term investments like major expansions or equipment that requires years to pay off.
Is an MCA Right for You?
If you need quick access to capital, have strong daily or weekly revenue, and need funding for a short-term need, an MCA could be a smart choice. However, it’s important to work with a trusted partner who offers transparent terms and supports your success — not just the transaction.
At Rowan Advance, we specialize in fast, flexible funding with clear communication every step of the way. If you're considering an MCA, let's talk. We’ll help you evaluate your options and find the right fit for your business goals.
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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