Business Financing FAQs

1. Who is ROK Financial?

ROK Financial is a business lending platform that connects small and mid-sized businesses with a wide range of funding options, including working capital, equipment financing, SBA loans, and more. They act as a marketplace lender, allowing businesses to compare multiple offers through one streamlined process.

2. What types of financing does ROK Financial offer?

ROK provides access to several funding products, including:

• Construction loans (Commercial Real Estate, Residential Investment Property Funding, and Fix and Flip Financing options)

• Working Capital Loans

• Equipment Financing

• Business Lines of Credit

• Term Loans

• SBA Loans

• Invoice Factoring

• Merchant Cash Advances

• Start-Up Funding Options (depending on credit and revenue)

3. What are the basic requirements to qualify for funding?

While each lender has its own criteria, general guidelines include:

• Minimum 6 months in business

• $10,000+ in monthly revenue

• A business bank account

• Fair to strong credit (depending on the product)

SBA and long-term financing may require stronger credit and longer time in business.

4. How fast can my business get funding?

Many working capital or short-term financing options can fund within 24–48 hours after application and document submission.
More complex loans (equipment, SBA, term loans) take longer due to underwriting.

5. Will applying through ROK Financial affect my credit score?

Initial qualification typically uses a soft credit pull, which does not impact your score.
A hard pull may occur later in the process only if you decide to move forward with a specific lender.

6. Why use ROK Financial instead of going directly to a bank?

ROK’s marketplace model allows businesses to:

• Compare offers from multiple lenders

• Access approvals even if traditional banks say no

• Receive faster decisions and funding

• Match with a loan product tailored to their cash flow and credit profile

It’s designed to save time and improve approval odds.

7. Can start-ups get funded through ROK?

Yes—while options are more limited, start-ups may qualify for:

• Equipment financing (if equipment secures the loan)

• Certain revolving credit options

• Personal credit–based funding or unsecured loans (depending on credit strength)

8. Is there a fee to apply?

No. There is no cost to apply.
ROK is compensated by its lending partners only when funding is approved and accepted, so there’s no upfront cost for your business.

9. What documents do I need to apply?

Requirements vary by product, but commonly requested documents include:

• Last 3–6 months of business bank statements

• Driver’s license

• Voided check

• Business tax returns (for larger loans or SBA)

• Financial statements (profit/loss, balance sheet for larger requests)

10. How does the partnership through our marketplace work?

Your business can apply directly through our integrated ROK Financial portal.
ROK’s team will guide you through the funding process, while our platform ensures your experience remains seamless and supported.