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
Is an MCA a Good Idea for Your Business? Key Factors to Consider
Is an MCA a Good Idea for Your Business? Key Factors to Consider
When you need fast funding to cover expenses, invest in growth, or manage cash flow, a Merchant Cash Advance (MCA) can be a powerful tool. But is it the right move for your business? Let’s take a closer look at what you need to consider before choosing an MCA.
What is an MCA?
An MCA provides a lump sum of capital upfront in exchange for a percentage of your future receivables. Unlike a traditional loan, there’s no fixed monthly payment. Instead, you make daily or weekly payments based on your business's revenue — meaning your payments adjust with your cash flow.
Key Factors to Consider
1. Speed of Funding
If time is critical, an MCA is hard to beat. Many businesses receive funding within 24–48 hours of approval. When unexpected opportunities or expenses arise, this speed can be a game-changer.
2. Flexibility with Credit
Banks typically have strict credit requirements. MCAs are often more flexible, focusing more on your business’s revenue than your personal or business credit score. If your credit isn't perfect but your business has strong sales, an MCA could be a great option.
3. Cost of Capital
MCAs typically carry higher costs than traditional loans. It's important to carefully review the factor rate — the cost applied to the amount borrowed — and understand the total repayment amount. Make sure the return on investment from using the funds outweighs the cost.
4. Cash Flow Impact
Because payments are tied to revenue, an MCA can ease cash flow pressure when sales are slow. However, it's crucial to ensure your margins can handle the daily or weekly withdrawals without creating strain.
5. Short-Term Needs vs. Long-Term Goals
MCAs are best suited for short-term needs: purchasing inventory, covering seasonal gaps, or seizing a timely growth opportunity. They may not be the right fit for large, long-term investments like major expansions or equipment that requires years to pay off.
Is an MCA Right for You?
If you need quick access to capital, have strong daily or weekly revenue, and need funding for a short-term need, an MCA could be a smart choice. However, it’s important to work with a trusted partner who offers transparent terms and supports your success — not just the transaction.
At Rowan Advance, we specialize in fast, flexible funding with clear communication every step of the way. If you're considering an MCA, let's talk. We’ll help you evaluate your options and find the right fit for your business goals.
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