Terms of Service
Terms of Service
Effective Date: January 2025
Welcome to Rowan Advance LLC (the “Company”, “we”, “our”, or “us”). By accessing or using our website located at
(the “Site”), you agree to comply with and be bound by these Terms of Service (“Terms”). Please read them carefully before using our services.
1. Acceptance of Terms
By accessing this Site or using any services provided by Rowan Advance, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Site.
2. Services Provided
Rowan Advance offers business financing solutions and related services. All offers are subject to approval and underwriting review. Terms and availability may vary.
3. Eligibility
You must be at least 18 years old and have the legal authority to enter into these Terms. By using the Site, you represent and warrant that you meet these requirements.
4. User Responsibilities
You agree not to:
Use the Site for unlawful purposes.Submit false or misleading information.Attempt to interfere with Site security or functionality.
5. Intellectual Property
All content on the Site, including logos, text, graphics, and software, is owned by Rowan Advance or its licensors and is protected by applicable intellectual property laws.
6. Disclaimer of Warranties
The Site and its services are provided “as is” and “as available” without warranties of any kind, express or implied.
7. Limitation of Liability
To the fullest extent permitted by law, Rowan Advance shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Site or services.
8. Third-Party Links
The Site may contain links to third-party websites. Rowan Advance is not responsible for the content or privacy practices of these sites.
9. Modifications
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date.
10. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.
11. Contact
For questions regarding these Terms, please contact us at:
Rowan Advance
[email protected]
+1 (516) 902-8593
Privacy Policy
Privacy Policy
Effective Date: January 2025
Rowan Advance (“we”, “our”, “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you visit
1. Information We Collect
We may collect the following types of information:
Personal Information: Name, email, phone number, business details, financial information you provide when submitting an inquiry or application.Automatically Collected Information: IP address, browser type, access times, and pages viewed.
2. How We Use Your Information
We use your information to:
Provide and manage our financing services.Communicate with you about your account or inquiries.Improve our website and services.Comply with legal obligations.
3. Sharing of Information
We do not sell your personal information. We may share your information with:
Service providers assisting with business operations.Legal authorities if required by law.In connection with a business transfer (e.g., merger or sale).
4. Cookies and Tracking
Our Site may use cookies and similar technologies to enhance your browsing experience and analyze Site traffic. You can control cookie settings through your browser.
5. Data Security
We implement reasonable security measures to protect your personal information. However, no method of transmission over the Internet is 100% secure.
6. Your Rights
You may request access to, correction of, or deletion of your personal information by contacting us at the address below.
7. Third-Party Links
Our Site may link to other websites. We are not responsible for the privacy practices of those websites.
8. Children’s Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.
10. Contact Us
For questions or requests regarding this Privacy Policy, please contact us at:
Rowan Advance
+1 (516) 902-8593
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.
Blogs and Articles
Fast Funding for Small Businesses: Is an MCA the Right Choice for You?
Fast Funding for Small Businesses: Is an MCA the Right Choice for You?
For many small business owners, access to quick capital can mean the difference between seizing a new opportunity and missing out. Whether it’s covering unexpected expenses, purchasing inventory, or expanding operations, fast funding is often crucial. One popular option is a Merchant Cash Advance (MCA), but is it the right choice for your business? Let’s explore the benefits, costs, and key factors to consider before applying for an MCA.
What is a Merchant Cash Advance?
A Merchant Cash Advance isn’t a traditional loan. Instead, it provides a lump sum of cash in exchange for a percentage of your future credit card or daily sales. The repayment is structured as a fixed percentage of your revenue, making it a flexible funding solution for businesses with fluctuating income.
The Advantages of an MCA
Speed of Funding
One of the biggest advantages of an MCA is the fast approval process. Unlike bank loans that take weeks or even months, MCAs can be approved and funded within 24 to 48 hours.Minimal Requirements
Traditional lenders often require extensive paperwork, collateral, and high credit scores. MCAs, on the other hand, focus more on business revenue, making them accessible to a wider range of businesses.Flexible Repayment
Since repayments are based on a percentage of daily sales, businesses don’t have to worry about fixed monthly payments. When sales are high, more is repaid; when sales are low, payments adjust accordingly.
Things to Consider Before Taking an MCA
Factor Rates Instead of Interest Rates
MCAs use factor rates (typically ranging from 1.2 to 1.5), which means you pay back a fixed amount over time. This can make the cost of borrowing higher than a traditional loan.Impact on Cash Flow
While repayment is flexible, daily or weekly deductions can still impact your cash flow. It’s important to evaluate whether your business can sustain the repayment structure.Shorter Terms
MCAs are designed for short-term needs, usually with repayment terms ranging from a few months to a year. If you need long-term financing, other funding options may be more suitable.
Is an MCA Right for Your Business?
MCAs are best suited for businesses that need quick funding and generate consistent sales. If you have a short-term opportunity or urgent financial need and are confident in your ability to manage repayments, an MCA could be a great solution.
At Rowan Advance, we offer fast and transparent funding solutions tailored to your business needs. Our team is here to guide you through the process and help you determine if an MCA is the right choice for you.
Final Thoughts
Merchant Cash Advances provide an excellent way to access fast capital, but understanding their structure and costs is essential. By weighing the pros and cons, you can make an informed decision about whether an MCA aligns with your business goals.
Need funding fast? Contact Rowan Advance today to explore your options and get the capital your business needs to thrive!
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