Financing types
Know the tool before you see the offer.
ROK Financial works across several kinds of business financing. Here is what each one is, where it fits, when it’s the wrong tool, and what to ask before you sign. We don’t quote figures for any of them, because we don’t set them.
A referral club, free to apply. ROK Financial and its lenders review every request and make all funding decisions. How we’re compensated.
Prefer to go straight to the funder? You can apply on ROK's own site. It carries our referral ID.
- Business line of creditDraw, repay, draw again. Built for a cash gap that comes back every month.How it works
- Equipment financingTrucks, machines and systems, financed against the equipment itself.How it works
- Invoice and purchase order financingCash against invoices you've already sent, or orders you've already won.How it works
- Term loansOne lump sum, one schedule. For a project with a clear price.How it works
- SBA loansGovernment-backed loans from participating lenders, for buildings, equipment and working capital.How it works
- Revenue-based financingRepaid as a share of sales. Flexible, often costly. Compare before you choose.How it works
- Commercial real estate financingBuy or refinance the building your business runs from, or property that earns income.How it works
- Franchise financingSize it from the FDD, then fund the unit or the next location.How it works
- Investment property loansFor residential property you buy to rent or renovate, not to live in.How it works
Before you start
What ROK looks for.
Stated plainly so you don’t spend time on a form that isn’t built for your business yet. These are the minimums ROK lists on its partner application. Meeting them is the starting line, not a decision.
- 4 monthsminimum time in business
- $10,000minimum monthly gross sales
- U.S.based and operating
Credit history is one input among several. ROK reviews the whole picture: revenue, deposits, time in business, and what the money is for. What to have ready.
A referral club, free to apply. ROK Financial and its lenders review every request and make all funding decisions. How we’re compensated.
Prefer to go straight to the funder? You can apply on ROK's own site. It carries our referral ID.