Quick & Easy Online Application
Fill out this form in minutes and get a fast estimate of how much funding your business could qualify for.
I Consent to Receive SMS Notifications, Alerts & Occasional Marketing Communication from Netwire Capital. Message frequency varies. Message & data rates may apply. Text HELP to (848) 237-7860 for assistance. You can reply STOP to unsubscribe at any time.
Our Core Product: Merchant Cash Advance
Flexible, Fast Funding Based on Your Business Revenue
Apply in Minutes
Start your application online—quick, simple, and no obligations.
Instant Estimate
Create your account and instantly see how much funding your business may qualify for (final amount subject to review).
Built for Your Business Needs
Whether you're covering expenses, investing in growth, or managing cash flow—our Merchant Cash Advance is here to help.
1500+
Merchants Served
100+
Industries Covered
250m+
Deals Funded
300+
5-Star Reviews
We’re Here to Support Your Business No Matter What You Do.
You’ve got big goals. Our mission is to help businesses of all types access the right funding solutions to move forward.
Apply online at your convenience or speak directly with one of our experienced funding specialists—we’ll help you get the capital your business needs, your way.
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.
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!
