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.
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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+
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Expert Advice and Real-World Strategies for ISO Success
Blogs and Articles
🛑 SBA Shuts Down MCA Refinancing: What It Means for Small Businesses & Brokers
Big News from the SBA: MCA Debt No Longer Eligible for Refinancing
As of June 1, 2025, the U.S. Small Business Administration (SBA) has made a decisive change to its 7(a) loan program: Merchant Cash Advances (MCAs) and factoring arrangements can no longer be refinanced using SBA-backed capital.
This shift has major implications for small business owners, lenders, and ISO brokers nationwide.
What Changed?
In its most recent update, the SBA explicitly stated that MCA debt and factoring are ineligible for debt refinance under 7(a) loan guidelines. This means:
SBA lenders cannot use 7(a) loan proceeds to pay off any existing MCA obligations.
MCA-related balances are now treated as "ineligible debt" in SBA loan applications.
Underwriters are being instructed to disqualify deals involving MCA payoff strategies.
This policy shift was confirmed by multiple lending platforms, including FastwaySBA, and is already being enforced by banks and non-bank SBA lenders.
Why It Matters
Over the past few years, many small businesses struggling with high-cost MCA balances looked to the SBA’s lower-interest loans as a way to consolidate debt and regain financial stability.
Now, with the door closed:
Business owners carrying MCA debt lose a valuable exit strategy.
Loan brokers and ISO partners must be more selective with the deals they bring to SBA lenders.
Debt restructuring options are shrinking, especially for distressed companies.
Industry Reaction
This change is part of a broader push by regulators to distinguish regulated lending from non-bank cash advance products. While MCAs are not technically classified as loans in many jurisdictions, the SBA is treating them as high-risk financial obligations that don't qualify for federally backed relief.
In related discussions on Reddit, business owners have expressed concern about being “stuck” in their MCA positions without a viable path forward.
Rowan Advance’s Take
“We’ve always believed in offering structured, transparent funding that helps small businesses—not traps them. This SBA update reinforces why our model is the right one,” said a senior funding specialist at Rowan Advance.
At Rowan Advance, our focus is on realistic, revenue-based financing that empowers small businesses. That means:
Clear, fixed repayment terms
No compounding interest
Factor rates starting at 1.28
Terms from 8 to 12 months
Early payoff discounts—not penalties
And for ISO brokers: We offer same-day commissions, up to 12 points, and a compliance-first underwriting process that fits the current regulatory landscape.
What Business Owners Should Do Now
If you're currently carrying MCA debt and were considering an SBA loan to refinance it, here are your next steps:
✅ Talk to a qualified funding partner who understands your current capital stack
✅ Explore non-SBA alternatives—revenue-based financing, consolidation loans, or structured settlements
✅ Avoid stacking additional MCA debt without a long-term plan
Final Thought
The SBA’s new policy is a wake-up call: Not all capital is created equal.
At Rowan Advance, we’re committed to providing funding solutions that make sense today—and hold up tomorrow. If you're a small business owner or an ISO broker navigating these changes, we’re here to help you structure smarter, safer deals in this new funding environment.
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!
