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ROK Financial Equipment Financing

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Get The Equipment You Need
Access equipment financing through ROK Financial to make valuable assets more accessible to your company.
Minimum Loan
Maximum Loan
$5 Million
Funding Timeframe
2-5 Days
Average Rating Click here to show the sources used to calculate this average rating.
Best Company
Merchant Maverick


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Best For

Small businesses

Type of Loan


FICO Requirement

No credit score requirement

Minimum Sales

No minimum monthly gross sales requirement

Minimum Time in Business

No minimum time in business required


Varies by lender

Many business owners rely on equipment to provide goods and services to customers. Unfortunately, many types of equipment have high upfront costs that not all businesses can afford, especially small business owners just getting started. ROK Financial provides you with the capital you need to purchase equipment and continue accelerating your business.

Introducing ROK Financial

ROK Financial is a business lender that offers various financing products, including equipment financing. Business owners can borrow up to $5 million for most products. However, most lenders have credit score requirements which make loans less accessible to business owners with bad credit. ROK Financial has no FICO score minimums, but they also reward business owners with good credit. This dynamic provides the best of both worlds. Good credit business owners get the best interest rates, while low credit business owners will not get turned away. ROK Financial works to provide competitive rates for every business owner, regardless of their credit.

ROK Financial has provided funding for thousands of businesses since its 2020 debut in the financial industry. The company has helped business owners obtain hundreds of millions of dollars since its founding. James Webster, CEO and founder of ROK Financial, leads the company with his decades of experience in financial services. The company leverages advanced fintech capabilities to enable same-day funding for some of their loans. For example, business owners seeking equipment financing can receive funds in 2-5 days.

What is Equipment Financing?

Equipment financing enables business owners to purchase equipment even if they don’t have enough cash. Business owners can acquire equipment through an equipment financing loan and make monthly payments towards the principal. Equipment financing lenders use the purchased equipment as collateral, similar to how a home acts as collateral for a mortgage. You will continue to own the equipment if you continue paying on time. Since the loan has collateral, you can get a lower interest rate. Since the loan has collateral, you can get a lower interest rate. Since the loan has collateral, you can get a lower interest rate.

Equipment financing is the optimal path for long-term businesses. Some business owners start with equipment leasing because it takes up less space in your budget in the short term. However, you can get stuck with equipment leasing for decades and pay substantially more money than if you bought equipment with the right financing. Once you pay off the loan, you no longer have to make monthly payments for your equipment. Eventually, getting rid of monthly payments will increase your profit margins and give you the flexibility to own additional equipment.

Is Equipment Financing Right for Your Business?

Equipment financing is right for most businesses seeking a long-term presence. Business owners can reduce costs in the future by using equipment financing now. Equipment leasing is better for a business owner getting started who isn’t sure about long-term viability. Some people start restaurants and prefer to walk away after a year. They underestimate the amount of work and stress with making payroll. Equipment leasing makes it easier to abandon a business idea or relocate. Leasing equipment lets you avoid mounting shipping costs if you are constantly on the move. If you plan to grow your company and maintain your company’s current footprint, equipment financing is the better choice.

ROK Financial Equipment Financing Review

Want to purchase equipment and escape lifelong lease payments? ROK Financial can provide the equipment financing you need to strengthen long-term cash flow.

Use of Funds

You can use equipment financing proceeds to purchase equipment. This loan locks you into equipment purchases. If you want more flexibility with how you can spend your money, a business term loan or line of credit is the better option (ROK Financial offers both of these financial products). Locking the loan’s capital into equipment purchases helps you obtain lower interest rates since the loan has collateral.

Equipment Financing Amounts, Rates, and Terms

ROK Financial allows business owners to borrow up to $5 million for equipment financing. You can borrow as little as $10,000 and pay the loan within 1-5 years. A lengthier loan duration results in lower monthly payments but more interest payments. A shorter loan term increases monthly costs at the moment, but you pay less interest and become debt free sooner.

ROK Financial’s equipment financing rates vary for each borrower. You can get better rates if you have good credit, strong revenue numbers, and several years of business experience. On the other hand, you can get equipment financing from ROK Financial even if you have no business experience, bad credit, or no monthly gross sales. Qualifying with the latter business setup will result in a higher interest rate, but you get the financing you need to buy business equipment.

How You Qualify

ROK Financial makes it easy to obtain equipment financing. They have no monthly gross revenue, credit, or business experience requirements. The company’s easier barrier to entry is startup friendly, but you can get better terms if you already have an established business.


Lenders have various documentation requests. They will ask for statements and other resources that verify the borrower’s ability to keep up with loan payments. You can expect to provide the following documents during the application process.

  • Business bank account statements (most lenders request 3-6 months of statements)
  • Previous tax returns
  • Financial statements
  • Overview of assets

ROK Financial has a 2–5 day funding process. Gathering the necessary documents will ensure no hiccups when applying for equipment financing.


ROK Financial has a 15-second application that asks for basic information such as your name and phone number. After submitting your application, a Business Financing Advisor will speak to you in regards to your needs, collect minimal paperwork and submit your deal into underwriting. Your advisor will review all offers with you. You can compare loans and find the best rates for your equipment financing. ROK Financial has helped some clients start and finish the underwriting process within a few hours.

The Benefits of ROK Financial Equipment Financing

Equipment financing helps businesses access important resources. ROK Financial can provide the necessary capital. These benefits make ROK Financial an attractive lender:

  • High Loan Amounts: Business owners can borrow up to $5 million for a ROK Financial Equipment Loan.
  • No Minimum FICO: If you have bad credit, you can still get a loan. ROK Financial works with clients with varying credit scores.
  • Quick Funding: You can receive capital from an equipment loan in 2-5 days. ROK Financial helps you get money quickly, starting with their 15-second application process.

How to Get Equipment Financing with ROK Financial

ROK Financial offers several loans, including equipment financing. The process to obtain a ROK Financial loan is the same, regardless of the type of loan. You can apply for equipment financing on ROK Financial’s website. Their application form will guide you through each step as you submit personal information. After you apply, ROK Financial will send you an email containing more details.

Other Business Funding Solutions by ROK Financial

ROK Financial offers several business funding solutions that can bolster your business with the capital you need. Some businesses need equipment financing, but other business owners can benefit from one of these solutions:

  • Business Term Loan: This loan helps with long-term investments. Borrowers make monthly fixed payments until they repay the loan.
  • Business Line of Credit: This funding source helps business owners keep up with short-term costs. You only pay interest when you borrow against the line of credit.
  • SBA Loans: These loans have competitive interest rates and terms. You can use these loans to expand your business.
  • Fix N Flip Loans: You won’t make any money on a fix and flip until you complete the flip. These loans give you enough capital to acquire an asset and a generous payment structure that gives you more time to wait.
  • Merchant Cash Advance: Get capital now and repay the loan with a percentage of gross sales.
  • Franchise Financing: ROK Financial has financing exclusively for franchisees with up to 20-year terms.
  • Accounts Receivable Financing: You can borrow money based on a percentage of your invoice total. Business owners get paid for their invoices early and can still serve the customer.

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