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ROK Financial SBA Loans

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Expand Your Business with Quicker Funding
Get your SBA loan quicker with ROK Financial than with another lender.
Minimum Loan
Maximum Loan
Funding Approval
As little as 45 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

Long term

Loan Duration Range

10-25 Years

No Cost Advisor

ROK Financial pairs you with a dedicated business financial advisor at no cost

Annual Gross Sales Requirement


Credit Score Requirement

675 or higher

An SBA loan can help your business expand or keep up with expenses. In addition, small business owners can use these loans to fund business-related investments and costs. While the Small Business Administration sponsors these loans, the organization does not originate SBA loans. Instead, the SBA entrusts lenders like ROK Financial with loan origination. The online lender offers SBA business loans at competitive rates.

ROK Financial

ROK Financial is a business lending marketplace that connects small business owners with financial resources. James Webster founded the company in 2020 and has since helped clients obtain hundreds of millions of dollars in funding. Small business owners can borrow up to $5 million through ROK Financial. The company provides loan options to consumers regardless of their credit, but you can get better terms and rates if you have a higher credit score. While SBA loans take longer to fulfill due to the SBA’s role, ROK Financial’s advanced fintech solutions enable borrowers to get same-day funding for some of their loans. ROK Financial has a 675 credit score requirement for their SBA loans, but you can find other business loans in ROK Financial’s marketplace even if you have bad credit.

What is an SBA Loan?

An SBA loan is a government-backed loan business owners can use to expand their companies and keep up with expenses. Businesses go to SBA lenders when they cannot get funds from any other financial lender. It’s one of the eligibility requirements to obtain an SBA loan. The Small Business Administration offers several loan types:

  • 7(a) loans
  • 504 loans
  • Microloans

The SBA offers several types of 7(a) loans, including SBA Express loans, Export Working Capital loans, and International Trade loans. Some SBA loans do not require collateral, and some loans include counseling and education. As a result, you can receive guidance along your journey on how to conquer present challenges and capitalize on incoming opportunities.

The SBA gives loans to for-profit businesses that do business in the United States. The SBA also requires business owners to have equity in their business.

ROK Financial SBA Loans Review

ROK Financial provides businesses with the SBA loan financing they need. We will unveil the process for getting an SBA loan through ROK Financial and why you should consider them over other lending marketplaces.

Advantages of Getting an SBA Loan with ROK Financial

ROK Financial offers attractive loan terms and amounts. A business owner can borrow up to $5 million for a ROK Financial SBA loan. ROK Financial pairs you with a complimentary cost advisor who guides you through the SBA loan process. Having an advisor for this complicated process can help you secure financing sooner and start investing in your business. Getting an SBA loan with ROK Financial introduces you to their other financial products, which have no FICO score minimums.

SBA Loans Amounts, Terms, and Rates

SBA loan rates vary by the lender but range from 8% to 13% for most banks and financial institutions. Business owners borrowing from ROK Financial can obtain $50,000 to $5 million. Borrowers can space out their payments between 10-25 years. A lengthier loan results in lower monthly payments but higher interest in the long run. Shorter loans take more space in your monthly budget, but you get out of debt sooner.

What You Need to Qualify

ROK Financial has a few qualifications you need in order to qualify for an SBA loan:

  • 3 Months of Business Experience: Some lenders will not provide loans until your business has 6-12 months of business experience. ROK Financial’s more generous barrier to entry helps startups obtain the financing they need.
  • $60,000 in Annual Gross Sales: ROK Financial wants to see sufficient sales that demonstrate your ability to repay the loan. $60,000 in annual gross sales comes to $5,000 per month. Higher annual gross sales will help you qualify for higher loan amounts.
  • 675 Credit Score: Most of ROK Financial’s loans have no credit score minimums, but SBA-backed loans are exceptions to the rule. Business owners must have a 675 credit score or higher. While a 675 credit score is enough to qualify, raising your score will help you secure a lower interest rate on your loan.

What Documentation You Will Need to Provide

Lenders will review several documents before approving you for a loan. Each lender has different requirements, but you can expect to provide the following:

  • Business bank account statements (most lenders request 6-12 months of statements)
  • Previous tax returns
  • Financial statements
  • Overview of assets

Organizing your documents now will save you time during the loan application process. This initial work will help you access your capital sooner.

How Long the Process Takes

ROK Financial uses advanced fintech solutions to accelerate your loan’s delivery time. You can receive proceeds from an SBA loan in as little as 45 days. ROK Financial also pairs you with a free advisor to guide you through the SBA loan application process. This advisor can help you avoid common pitfalls that stall approval.

Other Business Loan Products Offered by ROK Financial

ROK Financial offers several loans to small business owners who need extra capital. You can explore any of these financing options:

  • Business Term Loan: This loan allows you to make monthly payments with a fixed interest rate. A business term loan is optimal for long-term investments.
  • Business Line of Credit: A line of credit is a useful backup for short-term expenses. Business owners only pay interest when they borrow against the line of credit. You can repay the line of credit and continue borrowing from it without reaching out to your lender.
  • Equipment Financing: Business owners can escape the endless cycle of equipment leases by financing their own equipment. Since equipment becomes collateral, this funding option lets you secure a lower interest rate.
  • Fix N Flip Loans: These loans reduce upfront monthly payments, so you have more time to fix and flip an asset. You won’t make much money on this asset until you complete the flip. These loans give you time to make the flip happen with less financial stress.
  • Merchant Cash Advance: Businesses can repay loans with a percentage of monthly gross sales.
  • Franchise Financing: Franchisees can get exclusive financing with up to 20-year terms.
  • Accounts Receivable Financing: Business owners can get paid a percentage of their invoices early, and you still get to serve your customers.

Get Started with an SBA Loan with ROK Financial

An SBA loan provides extra cash to fuel your company’s growth or help maintain operations. ROK Financial’s team simplifies the loan application process and can pair you with high loan amounts and competitive rates. You can apply for an SBA loan on ROK Financial’s website. Their application form takes 15 seconds to complete and walks you through the steps. ROK Financial will send you more details after you apply for an SBA loan.

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