Business Funding, Simplified.
Access funds quickly, without the hassle.
Business Funding, Simplified.
Access funds quickly, without the hassle.
1500+
Merchants Served
100+
Industries Covered
250m+
Deals Funded
300+
5-Star Reviews
Fast funding, flexible terms, unbeatable commissions.
How Our Merchant Cash Advance Works
Once approved, you’ll receive a lump sum directly into your business account—often the same day. Repayment is made through daily or weekly payments based on your revenue, making it a flexible solution that moves with your business. Rowan Advance is the reliable partner you can count on for fast, no-nonsense financing.
Merchant Cash Funding
Average Funding Amount: $239,000*
Flexible, revenue-based financing built for established businesses ⓘ
*Based on all MCA transactions from June 2024 - June 2025
Top Tier MCA Funding
Average Funding Amount: $279,000*
Fixed-rate capital solutions for strong, revenue-driven businesses ⓘ
*Based on all top tier MCA funding transactions from June 2024 - June 2025
Flexible Financing Options for Your Merchants
☑️ Position Type: Clean 2nd positions (40–54 weeks) or recently paid-off 1st positions
☑️ Time in Business: Minimum 12 months operating
☑️ Revenue: $100,000+ in consistent monthly deposits
☑️ Cash Flow: Steady deposits with strong accounts receivable
☑️ MCA History: Clean or minimal prior advances preferred
☑️ Bank Activity: No more than 5 negative days
☑️ Funding Range: $50,000 to $1.5 million
☑️ Terms: 3 to 12 months (weekly & daily repayment options available)
☑️ Payout Speed: Same-day commissions on every deal
☑️ Merchant Incentives: Early prepay discounts to help close deals
☑️ Nationwide Coverage: All 50 states, including New York
☑️ Average Deal Size: $239,000 across funded accounts
☑️ Healthcare: Doctors, Dentists, Urgent Care, Behavioral Health, Pharmacies
☑️ Food & Beverage: Restaurants, Bakeries, Bars, Nightclubs, Liquor Stores
☑️ Commercial & Government: Commercial Cleaning, Manufacturing, Government Contractors
☑️ Medical Suppliers: Healthcare Equipment Providers
Tailored Funding for High-Performing Sectors
Who Benefits Most From a Merchant Cash Advance?
While many businesses can benefit from an MCA, Rowan Advance specializes in supporting industries with strong, consistent revenue and seasonal or high-volume cash flow. If your clients fall into any of the categories below, they’re likely a great fit for our fast, flexible funding solutions.
Healthcare Industry
Retail Industry
Construction Industry
Other Industries
Industries with High Credit Card Volume
☑️ Restaurants & Food Services:
From dine-in spots to pizza shops, food trucks, and cafés—these businesses thrive on credit card sales and often face seasonal ups and downs, making MCA funding ideal to smooth cash flow.
☑️ Retail Stores:
Boutiques, specialty shops, and general retailers often experience fluctuating sales and rely heavily on credit card transactions. An MCA helps bridge the gap during slower months or finance bulk inventory purchases.
☑️ Bars, Nightclubs & Liquor Stores:
These fast-paced businesses run on volume and credit card sales. When cash flow dips or expansion opportunities arise, an MCA provides immediate working capital.
Businesses with Seasonal or Variable Revenue
☑️ Travel & Hospitality:
Travel agencies, hotels, lodges, and resorts face predictable off-seasons. MCA funding helps cover payroll, advertising, or operational costs when bookings slow down.
☑️ Seasonal Home Services:
Businesses like landscaping, snow removal, pool cleaning, and swim schools often need capital during the off-season for equipment upgrades, marketing, or payroll continuity.
☑️ Commercial Cleaning Services:
Demand can shift month to month. MCA funding supports staffing, supplies, and service expansion—especially during contract renewals or seasonal spikes.
Growing Businesses That Need Fast Capital
☑️ E-Commerce Stores:
Online sellers can use MCA funds to invest in inventory, marketing, or website upgrades—especially ahead of major sales seasons or new product launches.
☑️ Healthcare Professionals & Clinics:
Doctors, dentists, pharmacies, and urgent care centers often have high operational costs and insurance billing delays. MCA funding offers working capital without the complexity of traditional loans.
☑️ Manufacturers & Government Contractors:
These businesses may need to cover large upfront costs before receivables come in. An MCA gives them the flexibility to take on bigger jobs without cash flow stress.
Need Fast Funding? Call Us Anytime for Expert Support
Expert Advice and Real-World Strategies for ISO Success
Blogs and Articles
How Innovation Is Revolutionizing MCA Approvals — And What It Means for ISOs & Merchants
How Innovation Is Revolutionizing MCA Approvals — And What It Means for ISOs & Merchants
The Merchant Cash Advance industry is entering a new era—one powered by speed, automation, and smarter underwriting. Gone are the days of bulky applications and weeklong wait times. Today’s leading funders are leveraging fintech to deliver same-day approvals with dramatically less friction.
At Rowan Advance, we’ve embraced the wave of innovation—because we know that speed is everything in today’s small business economy.
🚀 The Rise of Smart, Automated Underwriting
The biggest shift? AI and bank-linking tools now allow MCA providers to evaluate deals in real-time. Instead of relying solely on static PDFs or merchant-submitted paperwork, we now plug directly into verified data:
Real-time cash flow and sales activity
Bank statement APIs
Daily deposit trends
Spending patterns and seasonality insights
With this data-driven approach, we're able to issue offers within hours—not days. The result: faster funding, stronger files, and higher close rates for brokers.
💼 What This Means for Merchants
For small business owners, this automation means less paperwork and faster decisions. They don’t need to gather weeks of documentation, deal with back-and-forth requests, or wait days for underwriting.
Instead, they get:
Quick approvals based on actual performance
Clear, structured offers they can act on immediately
Faster access to working capital when it matters most
Whether they’re preparing for a busy season, need to cover payroll, or want to restock inventory, automation ensures they get the money they need—when they need it.
🤝 What This Means for ISOs
If you’re an ISO broker, automation is a game-changer. Submission portals are faster. Fewer documents are required. And you get paid sooner.
With Rowan Advance:
Submit deals in minutes, not hours
Get pre-approvals quickly—often same-day
Close deals faster = earn commissions faster
Scale your volume without scaling your workload
In short, our tech does the heavy lifting—so you can focus on building relationships and moving deals forward.
🔄 Embracing the Future of MCA
At Rowan Advance, we're committed to staying ahead of the curve. As MCA evolves, we’ll continue to invest in tools that help brokers win more—and help merchants grow with confidence.
In an industry where timing is everything, automation isn’t just an advantage—it’s a necessity.
Ready to Experience Smarter, Faster Funding?
Whether you're submitting your first file or managing a high-volume pipeline, Rowan Advance is your go-to partner for fast, flexible, and frictionless deals.
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!
