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ROK Financial Merchant Cash Advance

Fast capital based on your future sales — flexible repayment that scales with revenue.

Point-of-sale payment terminal — merchant cash advance
Merchant Cash Advance

ROK Financial Merchant Cash Advance — What It Is and How It Works

A Merchant Cash Advance (MCA) is not technically a loan — it is a purchase of your future revenue. Our lending partners advance you a lump sum of capital, which you repay as a fixed percentage of your daily credit card sales or bank deposits. When business is good, you repay more. When business is slow, you repay less.

MCAs are designed for businesses that need capital quickly and may not qualify for traditional loans — particularly those with inconsistent revenue, bad credit, or urgent capital needs. The tradeoff is that MCAs typically carry a higher effective cost than conventional loans.

⚠️ Important: Merchant Cash Advances often carry higher effective APRs than term loans or SBA products. They are best suited for short-term urgent needs. Always compare all available options with your advisor before deciding.

MCA Terms & Factor Rates

Advance Amount
$5,000 – $500,000
Factor Rate
1.15 – 1.45
Repayment
5–20% of daily revenue
Term
3 – 18 months (approx)
Restaurant owner — ROK Financial merchant cash advance for retail and food businesses

Who Should Use a Merchant Cash Advance?

✅ Good Fit

  • • Restaurants & retail businesses
  • • Seasonal businesses
  • • Businesses with bad credit
  • • Urgent capital needs (1–2 days)
  • • High daily card volume

⚠️ Consider Alternatives

  • • Long-term financing needs
  • • Cost-sensitive situations
  • • Good credit (qualify for loans)
  • • Low daily revenue businesses
How is MCA repayment calculated?
Your daily repayment is a fixed percentage (called the "holdback" or "retrieval rate") of your daily revenue — typically 5–20%. If you receive $5,000 in sales on a given day with a 10% holdback, you'd repay $500 that day. On slow days you pay less; on busy days you pay more. The total amount repaid equals your advance amount multiplied by the factor rate.
Is a merchant cash advance right for my business?
MCAs are best for businesses that need capital urgently and cannot qualify for conventional financing. If you have decent credit and can wait a few days, Our term loans or lines of credit will typically be more cost-effective. Your your advisor will always compare all available options and recommend the most suitable product for your situation.

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Consider Also

Consider Lower-Cost Alternatives First

MCAs carry higher costs — if your situation allows, these options may be more cost-effective:

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