Guide
ROK Financial: what the public record and ROK's own pages say.
You searched for ROK Financial, so here is what we can show you from public records and ROK's own published pages, with sources. One thing first: The Business Funding Club is a free referral club, not a lender, and ROK pays us when a business we refer is funded. Read this page with that in mind, and check everything on it yourself.
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.
By Marcus L. Barber, Publisher · Reviewed by Marcus before publishing · Updated · How we write and check facts
First: how we are connected to ROK
Our conflict of interest, in plain words
The Business Funding Club refers businesses to ROK Financial. When a business we referred receives funding, ROK pays a referral commission to Digital Solomon, the company that runs the Club. You never pay us anything. That means we have a reason to want you to apply. The full arrangement is on our disclosures page.
So this page sticks to things you can check: a state business record, ROK's own website and terms, and where public complaints and reviews are kept. We do not repeat ROK's marketing or rate ROK. No government agency endorses ROK or the Club.
Who ROK Financial is, from public records
ROK Financial is the name on the website at rok.biz, which lists its address as 3500 Sunrise Hwy, Building 100 Suite 201, Great River, NY 11739[1]. ROK's terms of use name the company behind the site and its services as ROKFI LLC, and say the terms are governed by New York law with disputes heard in Suffolk County courts[2].
The New York Department of State, Division of Corporations, publishes its business entity records as open data. That record lists ROKFI LLC as a domestic limited liability company in New York, DOS ID 4628589, in Suffolk County, with an initial filing date of August 28, 2014, and a process address at the same Great River location[3].
A state record shows a company was formed and is listed. It is not a license, a rating or an endorsement.
How ROK describes what it does
ROK's home page describes itself as a small business loan and services marketplace[1]. Its terms of use talk about "lenders to which you are matched, referred or provided," and say ROKFI LLC may not be able to provide matches for every user and makes no promise about the number of matches or the ability to obtain business funding[2]. ROK's commercial real estate page says it has partnerships with lenders[4].
In practice, that means the company you talk to at ROK and the company whose name is on the financing agreement may not be the same. The terms page we read does not say whether ROKFI LLC itself lends[2]. So ask, for any offer you receive: who is the actual funder, and is that the party you will sign with and repay?
When you start from this site, we pass your one-page form to ROK with our referral ID, and ROK takes it from there. ROK reviews the request, and funding decisions rest with ROK and the lenders it matches you with. The full sequence is on how it works.
What ROK lists on rok.biz
ROK's website has a page for each product type. This site uses its own names for a few of them, shown in the first column. Each row links to our plain-language explainer for that type.
| This site's name | What ROK's page describes | Our explainer |
|---|---|---|
| Line of credit | A flexible option that lets a business borrow funds as needed[5] | Line of credit |
| Term loans | ROK's small business loans page[6] | Term loans |
| SBA loans | Government-backed loans; the page names the SBA 7(a) and 504 programs[7] | SBA loans |
| Equipment financing | Getting equipment through a loan or lease[8] | Equipment financing |
| Invoice and PO financing | Financing against outstanding invoices; ROK's menu lists AR and PO financing together[9,1] | Invoice and PO financing |
| Revenue-based financing / working capital | Repaid by withdrawing a percentage of your credit sales, so payments move with sales[10] | Working capital |
| Commercial real estate | Financing for income-producing property such as multi-family, office, retail and industrial[4] | Commercial real estate |
| Franchise financing | Funds for franchisees to buy and run a franchise business[11] | Franchise financing |
ROK's menu also lists residential investment property loans, startup funding and middle market lending[1]. All of these are financing for a business. ROK does not list financing your customers can use to pay you.
ROK Financial requirements: the published minimums
ROK's partner application page lists two minimums for its financing options: at least 4 months in business and at least $10,000 in monthly gross sales, which is $120,000 a year[12].
Those are ROK's published minimums to qualify. They are not the whole decision. Lenders commonly look at bank statements, tax returns, existing debt, and what the money is for. Our funding readiness guide lists the documents and what each one shows.
How to read ROK Financial reviews yourself
We do not quote ratings, star counts or review text on this page. They change all the time, and we cannot verify who wrote them. Here is where to look, and what each place can and cannot tell you.
- Better Business Bureau (BBB). Search the business name and the Great River, NY address. Read the complaints and how the company answered them, not just the grade.
- Trustpilot and Google reviews. Look for patterns, like the same problem told by different people. Anyone can post, so weigh what you read.
- The CFPB complaint database. The CFPB's complaint form covers consumer products like credit cards, mortgages, personal loans and vehicle loans, and does not list business loans as a category[13]. The CFPB also says its database is not a statistical sample of consumers' experiences[14]. So few or no entries there says little about business financing.
- Your state's attorney general or financial regulator. Some states take complaints about commercial financing. Our state disclosure law guide shows which states have rules.
The most useful reviews name a product, a cost surprise or a payment problem.
A checklist for vetting any business funder, ROK included
- Get the total cost in writing. Ask for the total amount you will repay, every fee, and how it is calculated, before you sign.
- Check your state's disclosure law. Some states set disclosure rules for business financing. New York, for example, requires providers of sales-based financing to give specified disclosures when they extend a specific offer[15]. See commercial financing disclosure laws.
- Find out who the actual funder is. Get the legal name of the company on the agreement, and look that company up too.
- Ask how payments are collected. Fixed debits, a share of card sales, or invoices paid by your customers each feel different in a slow month.
- Ask about paying early. Does paying off early lower the total cost, or is the full amount owed either way?
- Ask what you are pledging. Collateral, liens on business assets, and personal guarantees all change your risk.
- Read the whole agreement. If a term is unclear, get it explained in writing or have your accountant or attorney read it.
Common questions
Is ROK Financial a direct lender?
ROK's own pages do not say it is. Its home page calls it a small business loan and services marketplace, and its terms of use refer to lenders that users are matched, referred or provided to[1,2]. For any offer, ask ROK to name the actual funder on the agreement.
Is ROK Financial a real company?
New York's Department of State lists ROKFI LLC, the company named in ROK's terms of use, as a New York limited liability company first filed on August 28, 2014, in Suffolk County[3,2]. A state record confirms the entity exists. It is not a license, a rating, or an endorsement, so read reviews and agreements too.
What does ROK Financial require?
ROK's partner application page lists at least 4 months in business and at least $10,000 in monthly gross sales, or $120,000 a year[12]. Those are minimums, not the whole decision. ROK and the lenders it matches you with also look at your documents, like bank statements and tax returns.
Does The Business Funding Club work for ROK?
No. We are a separate referral club run by Digital Solomon. We send applications to ROK with our referral ID, and ROK pays Digital Solomon a commission when a referred business is funded. We do not review files, set terms or speak for ROK. Details are on our disclosures page.
Where can I read ROK Financial reviews?
Check the Better Business Bureau, Trustpilot and Google reviews, and your state attorney general. The CFPB complaint form covers consumer products and does not list business loans, so its database says little about business financing[13]. Look for reviews that name a specific product, cost or payment problem.
How does ROK Financial work if I start here?
You fill out one form on this site. We pass it to ROK with our referral ID. ROK reviews it, contacts you directly, asks for documents and matches you with lenders, and ROK and those lenders make the funding decisions. Nothing binds you until you sign an agreement. The full sequence is on how it works.
Sources
- ROK Financial: business financing products ROK Financial, checked October 16, 2026
- Terms of Use (ROKFI LLC) ROK Financial, checked October 16, 2026
- Active Corporations: Beginning 1800, entity record for ROKFI LLC (DOS ID 4628589) New York State Department of State, Division of Corporations, checked October 16, 2026
- Commercial Real Estate Financing ROK Financial, checked October 16, 2026
- Business Line of Credit ROK Financial, checked October 16, 2026
- Small Business Loans ROK Financial, checked October 16, 2026
- SBA Loans ROK Financial, checked October 16, 2026
- Get Equipment Financing For Your Small Business ROK Financial, checked October 16, 2026
- Accounts Receivable Financing For Your Small Business ROK Financial, checked October 16, 2026
- Working capital product page (revenue-based) ROK Financial, checked October 16, 2026
- Franchise Financing ROK Financial, checked October 16, 2026
- Business Financing application (ROK Financial partner page) ROK Financial, checked October 16, 2026
- Submit a complaint Consumer Financial Protection Bureau, checked October 16, 2026
- Consumer Complaint Database Consumer Financial Protection Bureau, checked October 16, 2026
- New York Financial Services Law section 803: Sales-based financing disclosure requirements New York State Senate, checked October 16, 2026
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.