Sales-based working capital
Cash Today. Paid Back by Your Sales.
A merchant cash advance that moves at the speed of your business — same-day funding, flexible repayment, zero surprises.
Turn future card sales into working capital today, with repayment that follows the way your business sells.
A clearer starting point
Need Working Capital? Get Funded in as Little as One Day.
Same-day decisions. Flexible terms. Transparent pricing — no surprises.
Check Your Offer NowA better way to borrow
Capital should clarify the plan.
01 / Speed
Keep the window open.
Fintech-driven underwriting helps qualifying owners access same-day funding when timing matters.
02 / Access
Bring the real picture.
Diverse credit profiles and businesses with as little as four months of history can still find a fit.
03 / Clarity
Know what you’re choosing.
ROK Intelligence and our offer calculator help keep terms visible and surprises out.
Flexible access to working capital
A Business Line of Credit That Flexes With You
Borrow what you need, when you need it. Draw up to your approved limit, pay interest only on what you use, and keep your cash flow breathing.
- Draw funds on demand — no reapplication each time
- Pay interest only on the amount you use
- Revolving access as you repay
- Fast, fintech-driven approvals
- Options for diverse credit profiles and businesses with 4+ months of history
Need a different fit? Compare working capital loans, equipment financing, the business line of credit, or invoice factoring.
Business loans for bad credit
Straight answers before you apply.
Can I get a small business loan with bad credit?
Yes. We accept diverse credit profiles and underwrite on your business's real performance, not just a score. Many owners with less-than-perfect credit qualify.
How much business history do I need?
As little as 4 months. If your business is generating revenue, you're worth a conversation.
How fast can I get funded?
Same-day funding is available thanks to fintech-driven underwriting — no weeks of waiting.
Will there be surprise fees?
No. ROK Intelligence and our offer calculator give you full transparency before you commit. Zero surprises.
Need a cash-flow bridge? Explore working capital loans or read today’s working capital loans guide. When timing is tight, read about same day business funding.
Bad credit shouldn't stop your business. Get a transparent quote today.One business, many routes
Funding that meets you where you are.
Working capital
Bridge a busy season, payroll gap, or opportunity without slowing down.
Equipment finance
Put the tools, vehicles, and technology to work sooner with equipment financing.
Real estate
Explore financing for commercial space and residential investment properties.
Flexible terms
Compare a business line of credit, term loans, SBA, factoring, inventory, and purchase order financing.
Start with the business, not a score
Let’s find a responsible way forward.
Related funding guides