ROK Financial offers every major small business financing product through a single application — matched to 75+ lending partners to find your best available offer. Whether you need working capital, equipment, or long-term expansion funding, there is a this product designed for your situation.
Unlike direct lenders that offer one or two products, the ROK Financial marketplace model means your application is evaluated against the criteria of dozens of lenders simultaneously — giving you access to more products and more competitive pricing than any single lender can provide.
The flagship this product. Term loans provide a lump sum of capital repaid over a fixed period with predictable payments. Best for: expansion, renovations, equipment, hiring, or large one-time purchases. Approval in as little as 4 hours. Same-day funding available.
A revolving credit facility that lets you draw funds when needed and repay on your schedule — paying interest only on what you use. Best for: cash flow management, seasonal businesses, inventory financing, or maintaining an emergency capital buffer.
SBA loans offer the most favorable terms of any small business financing — regulated interest rates (prime + 2.75–4.75%), terms up to 25 years, and amounts up to $5.5M. The tradeoff is longer processing time (2–8 weeks) and stricter documentation requirements. Best for: businesses with good credit (620+) and 2+ years in operation who can wait for the lowest possible rates.
Finance any business asset — vehicles, machinery, technology, restaurant equipment, medical devices, construction equipment — with the equipment itself as collateral. This makes equipment financing easier to approve and more cost-effective than unsecured loans. Up to 100% financing available for qualifying businesses.
A merchant cash advance provides immediate capital in exchange for a fixed percentage of your future daily revenue. Repayment scales with your business — you pay more when business is good and less when it's slow. Best for: businesses with urgent capital needs, bad credit, or inconsistent revenue. Note: MCAs carry higher effective costs than conventional loans — always compare all options with your advisor first.
Invoice factoring converts outstanding invoices into immediate working capital — typically 80–90% of the invoice value upfront. The factoring company collects from your customers and remits the remainder (minus fees) when paid. Best for: B2B businesses with net-30 to net-90 payment terms that need cash before clients pay.
| If you need... | Best Product | Why |
|---|---|---|
| Capital for expansion or large purchase | Term Loan | Fixed payments, predictable cost |
| Ongoing cash flow flexibility | Line of Credit | Draw only what you need, pay interest on draws |
| Lowest possible rate — can wait 4–8 weeks | SBA Loan | Government-regulated rates, 25-year terms |
| Machinery, vehicles, or technology | Equipment Financing | Asset as collateral = better rates + approval |
| Cash urgently, bad credit OK | MCA | Revenue-based approval, same-day funding |
| B2B invoices unpaid 30–90 days | Invoice Factoring | Cash now, not when clients pay |
Apply once and your dedicated advisor will identify the best product — and the best lender — for your specific situation. Free, no obligation, no hard credit pull.
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