Unlocking Business Growth: Your Comprehensive Guide to the Loans Available 

Navigating the complex landscape of business financing can be challenging, but with the right resources, your business can secure the funding it needs to thrive. We provide a wide array of loan options designed to support every stage of your business journey—from startups to established enterprises. Below is an in-depth guide to the various loans available, their key features, and how they can empower your business growth.

Small Business Loans

Small business loans are a cornerstone of business financing. With funding amounts ranging from $10,000 to $5 million, these loans are ideal for meeting a variety of business needs such as working capital, inventory purchase, or expansion projects. Offered with flexible repayment terms—from 6 months to 10 years—these loans are designed to give you the capital you need upfront while keeping your monthly payments manageable. With our streamlined application process, you can often secure funding within 1 to 3 days, helping you seize opportunities as they arise.

What you need to qualify: 

• You can qualify for our top financing options with as little as 3+ months in business.

• $10,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

• 660 FICO Score

We have financing options for all credit profiles. The minimum FICO score required to apply is 660.

Business Lines of Credit

A business line of credit offers unparalleled flexibility by allowing you to borrow only what you need, when you need it. Much like a credit card for your business, this option gives you access to funds on demand. With credit limits that can also range from $10,000 to $5 million and repayment terms similar to term loans, a line of credit is perfect for managing cash flow fluctuations, covering unexpected expenses, or financing short-term projects. Fast funding—typically available within 1 to 3 days—ensures that you can address immediate financial needs without disruption.

What you need to qualify:

• 6+ Months in Business

You can qualify for our top financing options with as little as 6+months in business.

• $10,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

• 600 FICO Score

We have financing options for all credit profiles. The minimum FICO score required to apply is 600.

SBA Loans (For more information, see our SBA Loan Page)

For businesses seeking government-backed support, SBA loans are an attractive option. These loans come with favorable interest rates, extended repayment periods (up to 25 years for certain programs), and lower down payment requirements. While the funding process for SBA loans generally takes a bit longer—typically between 30 to 45 days—the long-term benefits make them well worth the wait for businesses that qualify.

What you need to qualify: Please read more on this page regarding SBA Loans.

• 2+ Years in Business

You can qualify for our top financing options with as little as 2 years in business.

• $120,000 in Annual Gross Sales

Minimum $120,000 in annual gross sales

• 675+ Credit Score Required

We have financing options for all credit profiles. To qualify for funding from the SBA, a 675+ credit score is required.

Equipment Financing

Purchasing new equipment can be a significant investment, but it doesn’t have to deplete your working capital. Equipment financing at ROK Financial provides funds specifically earmarked for acquiring essential tools or machinery. With amounts from $10,000 to $5 million and terms ranging from 1 to 6 years, you can preserve your cash flow while upgrading your business infrastructure. Funding is typically available within 2 to 5 days, so you can get your new equipment up and running quickly.

What you need to qualify:

• No Minimum Time in Business

You can qualify for our top financing options, regardless of the age of your business. Companies with under two years time in business are capped      at $50,000.

• No Minimum Monthly Gross Sales

You can qualify for equipment financing with no minimum in monthly gross sales.

• Credit Requirements Vary Based on Equipment

We have financing options for all credit profiles. The minimum FICO score required to apply is 580. All equipment financing transactions are based     on the following: time in business, FICO, equipment type, annual revenue, industry, geographical location, and other compensating factors.

Accounts Receivable (AR) Financing

If your business has outstanding invoices, AR financing lets you convert those receivables into immediate cash. This financing option is designed to improve cash flow by advancing funds based on a percentage of your accounts receivable. With flexible terms and quick funding turnaround—usually within 2 to 5 days—AR financing helps bridge the gap between invoicing and payment, ensuring that you have the working capital you need to maintain smooth operations.

What you need to qualify:

• Minimum Outstanding Accounts Receivable

In order to qualify for AR financing, a minimum of $100,000 outstanding B2B Accounts Receivable aged up to 90 days outstanding is required.

• $500,000+ Annual Gross Sales

The minimum revenue to qualify for AR Financing is $500,000+ in annual gross sales.

• No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Merchant Cash Advances (Working Capital)

For businesses that need immediate access to cash without the burden of collateral, a merchant cash advance (MCA) can be a viable option. MCAs provide a lump sum of cash that is repaid through a percentage of your daily credit card sales. While MCAs often come with shorter repayment terms and may have higher factor rates compared to traditional loans, they offer a fast and flexible solution for urgent funding needs.

What you need to qualify:

• 3+ Months in Business

You can qualify for our top financing options with as little as 3+ months in business.

• $10,000+ Monthly Gross Sales

The minimum revenue to qualify for financing options are $10,000 per month, or $120,000 in annual gross sales.

• No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Franchise Financing

If you’re looking to invest in a franchise, specialized franchise financing can cover start-up costs and franchise fees. With funding amounts and repayment terms that align with typical franchise investments, this financing option is tailored to help you launch or expand your franchise with confidence. Fast funding timelines ensure that you won’t miss out on valuable opportunities in the competitive franchise landscape.

What you need to qualify:

• First Location Start Up, to Multi-Unit Operators

Whether you are starting your first location or have grown to several, our franchise financing options are plentiful.

• Start Up Franchises Welcomed

Pre-revenue and established companies welcomed.

• No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Residential Investment Loans

For those venturing into real estate or residential investments, we have offers tailored to residential investment loans. These loans are designed to support the purchase, refinancing, or renovation of residential properties. With competitive rates and extended repayment terms, residential investment loans can be a key tool in growing your investment portfolio.

What you need to qualify:

• Prior History

Experience with prior successful residential investment real estate projects is a requirement.

• Minimum Property Value

All residential investment property loans have a minimum property value of $250,000, regardless of property type.

• 650 FICO Score

We have financing options for all credit profiles. The minimum FICO score required to apply is 650.

Startup Funding

Startups often face unique challenges when accessing traditional bank financing. Our startup funding options are designed to provide emerging businesses with the capital they need, even if they have limited operating history. With lower credit score requirements and fast approval times, these loans are ideal for getting your business off the ground and positioning it for future success.

What you need to qualify:

• No Minimum Time in Business

You can qualify for our top financing options as a startup.

• No Minimum Monthly Gross Sales

You can qualify for startup funding with no minimum in monthly gross sales.

• 650+ Credit Score Required

There is a minimum 650+ FICO score required to apply for startup financing.

Commercial Real Estate Financing

Investing in commercial property is a major step for any growing business. With commercial real estate financing, you can secure funding to purchase or refinance properties such as office buildings, retail spaces, warehouses, or multi-family units. Loan amounts typically start at $250,000 and can go up to $10 million, with repayment terms ranging from 10 to 30 years. Although the funding process is more detailed and takes longer—usually between 25 to 40 days—the long-term investment in your business’s future is invaluable.

What you need to qualify:

• Financial Strength

Lenders and sellers want assurances that you have the financial capacity to handle the transaction.

• Property Documentation

Due diligence is crucial. Expect to provide or receive appraisals, environmental reports, title searches, and zoning permits.

• 650 FICO Score

We have financing options for all credit profiles. The minimum FICO score required to apply is 650.

Why Choose US?

We stand out with its technology-first approach, competitive rates, and commitment to customer service. Our online application process is designed to be quick and efficient—often taking just 15 seconds to get pre-approved. Whether you need immediate funds to cover short-term expenses or long-term financing to fuel growth, our diverse range of loan products ensures that there is an option to suit every business need.

Get Started Today

Empower your business with the funding it needs to grow, innovate, and succeed. With options ranging from small business loans and lines of credit to SBA-backed programs and specialized financing, We are here to help you achieve your business goals.

Apply now for an instant pre-approval and take the first step towards unlocking your business’s full potential.

Ready to explore your financing options? Contact our Business Financing Advisors today or fill out our online application to see how much you qualify for. We’re dedicated to helping businesses like yours get back to business—with the best loan options tailored to your needs.