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
MCA Industry Powers Ahead Post-Rate Hikes — Why 2025 Is a Breakout Year for Alternative Lending
MCA Industry Powers Ahead Post-Rate Hikes — Why 2025 Is a Breakout Year for Alternative Lending
In a time when rising interest rates and tightened bank lending have left many small businesses without funding options, the Merchant Cash Advance (MCA) industry is stepping up—and standing strong.
According to the latest market data, MCA funding volume is projected to exceed $25 billion in the U.S. by the end of 2025. That’s not just a recovery—it’s a full-scale boom.
As traditional lenders pull back, small business owners are turning to trusted MCA providers to get the working capital they need to cover payroll, purchase inventory, manage operating costs, and fuel growth. This shift isn't just temporary—it reflects a broader change in how small businesses access capital.
Why Is the MCA Market Growing?
It comes down to speed, flexibility, and accessibility.
In industries like construction, trucking, retail, and e-commerce, timing is everything. Delays in funding can mean missed contracts, delayed shipments, or lost sales. Traditional bank loans often take weeks—and come with restrictive underwriting guidelines that many small business owners simply can’t meet in today’s climate.
MCAs offer a faster, more flexible solution that matches repayment to cash flow, not rigid amortization schedules. It’s exactly what business owners need—and why more of them are choosing to work with alternative lenders like Rowan Advance.
🚀 Opportunity for ISO Brokers Has Never Been Bigger
With MCA volume surging and more merchants actively looking for non-bank funding, ISO brokers are in the best position they've been in years.
At Rowan Advance, we’ve seen deal submissions increase sharply over the last quarter—and we expect that trend to accelerate as we move deeper into 2025. Industries we’re seeing the most activity from include:
Construction – Contractors and subcontractors need capital fast to secure materials and labor.
Trucking & Logistics – Independent drivers and fleet operators are using MCA to manage rising fuel and equipment costs.
E-commerce & Retail – Online sellers are leveraging quick access to capital to stock up before peak seasons or invest in advertising.
If you're in the ISO space, now is the time to act. The demand is real—and the deals are there.
💼 Why ISOs Choose Rowan Advance
We’re not just another funder. Rowan Advance is known for its speed, reliability, and strong ISO support. Whether you’re new to the business or a seasoned broker, we help you close more deals—faster.
Here’s what makes us different:
Same-day commissions on funded files
Up to 12 points on qualifying deals
Flexible deal structures—including 2nd to 6th positions
Minimal stipulations, fast underwriting, and early prepay discounts
Real-time communication with decision-makers, not bots
We know how to move fast, fund clean, and make sure you and your merchants are taken care of—start to finish.
📈 Final Thoughts
The $25B MCA boom is more than a headline—it’s a real shift in how small businesses secure working capital. For ISO partners, it’s also a chance to grow your portfolio, close bigger deals, and establish long-term merchant relationships.
At Rowan Advance, we’re ready to help you take advantage of this momentum. We’re funding fast, paying same-day, and partnering with brokers who are ready to win.
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!
