Adaptable Funding Options for Small Enterprises
Adaptable Funding Options for Small Enterprises
Fast, Flexible Financing Designed to
Keep Your Business Moving Forward
Running a business takes time, energy, and nonstop commitment. At Rowan Advance, we make sure accessing the capital you need isn’t another uphill battle. Our fast, flexible financing solutions are designed to keep your business moving forward without the delays, headaches, or heavy paperwork. When you need funding, we make it simple, so you can stay focused on what matters most: growing your business.
Apply Online
In Minutes
Decision as fast as
2 hours
Receive between
$25k-$1.5m
Fast Approvals
Same-Day Funding
Up to $1,500,000
Offers from 1.279
Fast funding, flexible terms, unbeatable commissions.
Striving for Financial Clarity and Confidence
At Rowan Advance, we’re committed to helping our partners and clients move forward with financial clarity and confidence. By offering transparent funding solutions, expert guidance, and fast, reliable service, we empower businesses to make informed decisions and grow on their terms.
Fast Closings, Faster Payouts
Quick processing and same-day commissions mean you get paid without the wait.
High Commissions
Competitive rates, fast processing, and same-day commissions put more money in your pocket.
Minimal Stips, Maximum Deals
We keep requirements light so you can fund more merchants with less hassle.
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.
Built to Fund,
Designed to Close
☑️ 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.
Tailored Funding for High-Performing Sectors
Industries We Trust, Partners We Back
We specialize in funding industries that consistently show strength, stability, and growth potential. From healthcare professionals like doctors, dentists, and therapists to thriving food and beverage businesses, manufacturers, and government contractors we understand the unique needs of these sectors and craft funding solutions that work. Our streamlined process, industry insight, and high approval rates make us the preferred partner for businesses in:
Healthcare Industry
Retail Industry
Construction Industry
Other Industries
1500+
Merchants Served
100+
Industries Covered
250m+
Deals Funded
300+
5-Star Reviews
Need Fast Funding? Call Us Anytime for Expert Support
Expert Advice and Real-World Strategies for ISO Success
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!
Need Funding Support or Have Questions? Rowan Advance Is Ready to Help!
Frequetly Asked Questions
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!
