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
Business Loans vs. Merchant Cash Advances: Pros & Cons You Should Know
Business Loans vs. Merchant Cash Advances: Pros & Cons You Should Know
When a business needs fast capital, there’s no shortage of funding options available. Two of the most popular choices are business loans and merchant cash advances (MCAs). While both can provide the working capital needed to grow, cover expenses, or manage cash flow, they differ significantly in structure, speed, and flexibility. At Rowan Advance, we’re here to break it down so you can choose what’s right for your merchants.
What Is a Business Loan?
A traditional business loan provides a lump sum of money that’s repaid over time, usually with fixed payments. These loans often come from banks or alternative lenders and may be secured or unsecured.
Pros:
Lower rates: Typically, business loans have lower interest rates than other forms of financing.
Longer terms: Repayment periods can span several years, which may mean lower monthly payments.
Credit-building: Timely payments can help improve business credit scores.
Cons:
Slower approval process: Traditional business loans often require extensive documentation and can take weeks to fund.
Tougher qualifications: Many lenders require strong credit, a solid business history, and financial statements.
Inflexibility: Fixed monthly payments can strain a business during slow periods.
What Is a Merchant Cash Advance (MCA)?
A merchant cash advance isn’t a loan. It’s an advance based on future sales. Businesses receive an upfront sum and repay it via a percentage of daily credit card sales or fixed daily/weekly debits.
Pros:
Fast funding: Approvals and funding can happen in as little as 24–48 hours.
Flexible repayment: Payments adjust with revenue – slower days mean lower payments.
Minimal documentation: Perfect for businesses with less-than-perfect credit or limited financials.
Cons:
Higher costs: Factor rates (typically 1.28–1.40) can make MCAs more expensive than traditional loans.
Shorter terms: Most advances are paid back within 4–12 months.
Frequent payments: Daily or weekly withdrawals can impact cash flow if not managed properly.
Which One Is Right for Your Merchant?
Business Loans are ideal for established businesses with strong financials that need large amounts of capital and can wait for funding.
Merchant Cash Advances work well for businesses that need cash fast, have strong daily sales, and might not qualify for traditional loans—like restaurants, salons, or retail shops.
At Rowan Advance, we specialize in MCAs designed to move as fast as your business. With rates starting at 1.28, same-day approvals, and minimal stipulations, we make funding simple, fast, and flexible.
Need help choosing the right option for your merchant?
Let’s talk. Rowan Advance is here to help your clients get the capital they need—when they need it most.
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!
