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
MCA vs. Invoice Factoring: Which Funding Option Fits Your Business?
MCA vs. Invoice Factoring: Which Funding Option Fits Your Business?
Every business faces cash flow challenges at some point. Whether it’s covering payroll, purchasing inventory, or handling unexpected expenses, securing the right funding can make all the difference. Two popular financing options for businesses in need of fast capital are Merchant Cash Advances (MCAs) and Invoice Factoring. But which one is the best fit for your business? Let’s break down the differences and key considerations.
What is a Merchant Cash Advance (MCA)?
A Merchant Cash Advance provides a lump sum of capital in exchange for a percentage of future sales. Repayments are typically made through daily or weekly deductions from revenue, making MCAs a flexible solution for businesses with steady sales.
Pros of MCAs:
Fast approval & funding – Receive funds in as little as 24-48 hours.
No collateral required – Approval is based on revenue, not assets.
Flexible repayment – Payments adjust with business performance.
Cons of MCAs:
Higher costs – Factor rates range from 1.2 to 1.5, making them more expensive than traditional loans.
Frequent deductions – Daily or weekly payments can strain cash flow.
Shorter repayment terms – Typically ranging from a few months to a year.
What is Invoice Factoring?
Invoice Factoring allows businesses to sell their outstanding invoices to a third-party factoring company at a discount in exchange for immediate cash. Instead of waiting for customers to pay, businesses receive an advance on their invoices.
Pros of Invoice Factoring:
Improves cash flow – Get immediate access to funds tied up in unpaid invoices.
No debt incurred – It’s not a loan; it’s an advance on future payments.
Easier approval – Factoring is based on customer creditworthiness rather than business credit.
Cons of Invoice Factoring:
Customer relationships – The factoring company may collect payments directly from your clients.
Ongoing costs – Fees are based on the invoice amount and can add up over time.
Industry restrictions – Works best for businesses with B2B invoicing, not retail or cash-based businesses.
Which Funding Option is Right for You?
Choosing between an MCA and Invoice Factoring depends on your business model and financial needs:
Choose an MCA if you need quick, flexible funding and generate consistent daily sales.
Choose Invoice Factoring if you have unpaid invoices from creditworthy customers and want to improve cash flow without taking on debt.
At Rowan Advance, we specialize in fast and reliable business funding solutions. If you’re unsure which option is best for you, our team is here to help guide you through the process.
Final Thoughts
Both MCAs and Invoice Factoring offer unique advantages depending on your business’s needs. Understanding the key differences can help you make an informed decision about the best way to maintain healthy cash flow and fuel growth.
Need funding? Contact Rowan Advance today to explore your options and find the right financial solution for your business!
© 2025 Rowan Advance