ROK Financial

High-Speed Small Business Loans
ROK Financial works with lenders to provide small business loans with flexible requirements, even if you have bad credit.


ROK Financial is a lending marketplace that connects business owners with small business loans. The company has helped clients obtain hundreds of millions of dollars in financing since James Webster founded the company in 2020. Business owners can obtain same-day funding, with most people receiving their capital within five days.

What is ROK Financial?

ROK Financial works with lenders to provide small business owners with several financing options. ROK Financial has generous requirements that make business loans more accessible. For example, most of their loans do not require more than six months of business experience. You also need $60,000 in annual gross sales to qualify for a loan, and you can get financing even if you have bad credit. In addition, ROK Financial uses fintech solutions to pair you with funding quicker than other lenders.

How Does ROK Financial Work?

ROK Financial has an online application process that takes roughly 15 seconds. A dedicated business financing advisor on ROK Financial’s team will reach out and share several loan options. Business owners can then review their choices, choose the right loan for them, and get funded. You can have the loan proceeds in your bank account within a few hours of submitting the 15-second application.

What Makes ROK Financial Stand Out?

Same-day funding and generous requirements help ROK Financial stand out among other lenders. Some business owners need cash urgently and cannot wait too long before getting a loan. Business owners with poor credit will get turned away from many lenders and face an uphill battle to obtain essential financing. ROK Financial removes the hurdles so low credit borrowers can obtain loans. If you have a high credit score, ROK Financial is still a great option, and you will get lower interest rates for having good credit. You also won’t have to pay any extra for the dedicated business financing advisor ROK Financial provides for you.

What Products and Services Does ROK Financial Offer?

ROK Financial offers several small business loans that can provide you with the capital you need. Here is the list of financing options you can obtain with the lender.

Small Business Term Loans

Small business term loans help companies acquire capital at a fixed interest rate. ROK Financial has 6-month to 10-year terms on their loans, and business owners can borrow any amount between $10,000 and $5 million. These loans have a FICO requirement of 660+ and have same-day funding available.

Business Lines of Credit

Lines of credit give your business extra reserves that you can tap into for short-term expenses. Lines of credit have variable interest rates, but you only pay when you borrow against the principal. Some business owners rarely use their line of credit, but it’s a useful backup. ROK Financial offers business lines of credit with up to 10-year terms and funding between $10,000 and $1 million. You can get same-day funding and don’t need a good credit score to qualify.

Equipment Financing

You can borrow between $10,000 to $5 million for equipment financing. ROK Financial can provide the proceeds in 2-5 days, and you can select loan terms ranging from 1-5 years. Equipment financing tends to have lower interest rates since the equipment gets used as collateral, and there is no minimum time in business requirement.

SBA Loans

ROK Financial pairs business owners with expedited SBA loans at competitive rates. Borrowers can get 10–25-year terms and borrow up to $5 million. You can get funding from an SBA loan in as little as 45 days.

AR Financing

AR Financing lets you turn your accounts receivable into additional cash. ROK Financial will give you a loan based on a percentage of your invoices’ face value. So you can still serve your customers instead of giving the invoice to another company. ROK Financial provides funding within 2-5 days, and you can borrow up to $5 million. Similar to many of ROK Financial’s other offerings, AR Financing does not have a minimum FICO score requirement.

Merchant Cash Advance

A merchant cash advance lets you use monthly gross sales to repay the loan. Businesses can borrow up to $5 million on a 6-month to a 10-year term. Merchant cash advances are flexible loans that do not require any collateral. You can receive funding in 1-3 days.

Asset-Based Loans

Asset-based loans help you acquire assets at competitive rates. ROK Financial does not have FICO score requirements and only requests that you have three months of experience and $5,000 in monthly gross sales.

Franchise Financing

ROK Financial has franchise financing that can help franchise owners start their enterprises or fund expansion. ROK Financial’s requirement for three months of business experience makes them a friendly lending solution for franchisees getting started. 20-year loan terms are available, and you can borrow up to $5 million.

Fix N Flip Loans

Fix N Flip loans have generous upfront monthly payments that give you more time to revitalize an asset before flipping it. ROK Financial provides clients with 80% to 100% purchase funding with rates starting at 8.99%. ROK Financial requires a 650 minimum FICO score for this financial product.

Startup Funding

This loan helps startups expand their businesses without cash flow challenges. You can borrow up to $5 million in startup funding and receive proceeds in 1-3 days.

Credit Card Processing

ROK Financial will conduct a free cost-saving analysis that can help you save 20% to 30% on credit card fees. You will have a dedicated relationship manager to guide you through the process and answer any questions.

What ROK Financial Customer Reviews Say

ROK Financial has served thousands of clients since 2020. As a result, the company has received thousands of reviews, including the following:

  • “I was looking for funding for my business when a friend of mine referred me to ROK Financial. I worked with Paul, he was very informative, answered all my questions and walked me through the process. I told him I was looking to get this done immediately, he managed to get everything done for me, and I was able to close on time. I had an excellent experience working with Paul and his team, and I have already recommended their services to others.” — Penny Casey (Google Review)
  • “Thank you Rok Financial, especially Mike Gullo. Mike made sure he answered all my questions thoroughly ( I had plenty, this was my first experience). Can’t thank him enough.” — Diana Hill (TrustPilot Review)

How to Get Business Funding from ROK Financial

ROK Financial has several business loans available that can provide you with enough capital for your next project. You can apply for a small business loan on ROK Financial’s website. After completing their 15-second application, you will receive an email containing more details. One of ROK Financial’s advisors will provide additional guidance.

FAQs About ROK Financial (2)

  • Who Owns ROK Financial?

    James Webster is the CEO and founder of ROK Financial. Before founding ROK Financial, James had over two decades of experience in financial services.

  • Is ROK Financial a Direct Lender?

    ROK Financial is a lending marketplace that has a network of lenders. They can pair you with the best loan terms and competitive rates.

ROK Financial

Reviews 99


ROK Financial Products and Services

Business Loans
Business Loans

Term Loans

Get financing for up to $5 million with a fixed interest rate and no FICO score minimum.

Learn more

Business Line of Credit

Borrow up to $5 million to cover short-term expenses. Only pay interest when you borrow against the credit line.

Learn more

Equipment Financing

Get the capital you need to purchase equipment for your business at competitive rates and terms.

Learn more

SBA Loans

Obtain a loan from an SBA partner to grow your business. An advisor will guide you through the process.

Learn more

Why Us

High Loan Amounts

Borrow up to $5 million for a small business loan. Higher loan amounts let you fund more projects.

No FICO Score Requirement

You can get financing even if you have bad credit—no need to wait for your credit score to recover.

Low Business Experience Requirement

You only need three months of business experience to obtain most of ROK Financial's loans.


Get Optimal Business Financing

ROK Financial provides several loans so business owners can get the capital they need. A low barrier to entry and competitive rates make ROK Financial an appealing lending marketplace.

Apply for a Loan

ROK Financial has an easy loan application process. Small business owners can apply for a loan on ROK Financial’s website. The 15-second application will ask you to provide basic information. You will receive an email from ROK Financial soon after applying for a small business loan.

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