In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

ROK Financial business loans review

  • Avatar
ROK Financial business loans
Finder score
Min. Amount
Max. Amount
Starting at 6%

Our verdict

A connection service for all types of businesses — even startups.

ROK Financial is an online connection service that offers same-day financing to all types of businesses. There are no credit score requirements and your business only has to be around for three months to qualify.

But you won’t know much about the cost of the loans available or how repayments work until you fill out the form to get connected. If you’re sensitive about giving out your information, you might want to try another lender


  • Offers same-day funding
  • No credit requirements
  • Startup and cannabis-friendly

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question
  • Best for businesses with strong revenue that need last-minute financing.
  • Pick something else if you want to compare costs before providing information.


Product details

Min. Amount $10,000
Max. Amount $5,000,000
Loan term 6 to 120 months
Min. Credit Score 670
APR Starting at 6%
Requirements Eligibility criteria 1+ year in business, $15,000+ in monthly gross sales or $180,000+ in annual sales

First, do I qualify?

ROK Financial is a free-to-use connection service. In a nutshell, you submit a form with ROK and it matches you with its lending partners (if you qualify).

Depending on the loan you’re looking for, requirements may include:

  • At least 3 months in business
  • At least $5,000 monthly revenue

ROK doesn’t list a minimum credit score, simply because requirements vary by lender. However, just meeting minimum requirements may not get you the most competitive rates with ROK’s partners.

The best deals typically go to businesses that have been around for several years, have a strong track record of growth and owners with excellent credit scores of around 740 or higher.

What makes ROK Financial unique?

ROK Financial offers options to small businesses that otherwise might not qualify for financing. Its partners will work with businesses as new as three months and business owners that have a bad credit history.

Each applicant gets customized loan offers after filling out a form and speaking with a loan specialist. And it’s just about as fast as it gets. You can get funded as soon as the same day — and no longer than three days.

Financing options with ROK Financial

There are multiple financing options to look for with ROK, including:

  • Term loans
  • SBA loans
  • Equipment financing
  • Accounts receivable financing
  • Asset-based financing
  • Merchant cash advances
  • Startup financing

Pros and cons

ROK Financial isn’t helpful to all business owners in all situations. Weigh the main benefits and drawbacks of using this service before signing up.


  • Get funds as soon as the same day
  • No credit requirements
  • Cannabis- and startup-friendly


  • Doesn’t disclose range of costs
  • Potential daily or weekly repayments
  • High revenue requirements compared to similar services

Compare other business loan options

See how ROK Financial stacks up by selecting the ranges for how much you want to borrow, your revenue, time in business and credit score.

Name Product Filter Values Min. Amount Max. Amount APR Requirements
Lendio business loans
Finder Score: 4.8 / 5: ★★★★★
Lendio business loans
Starting at 3%
Operate business in US or Canada for 6 months or more, have a business bank account, minimum 500 personal credit score, at least $20,000 in monthly revenue
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.
Finder Score: 4.9 / 5: ★★★★★
Rates start at 1% per month
500+ FICO score, $200,000 annual revenue, 6 months in business, most recent business bank statements
Same day approval
Nav business loans
Finder Score: 4.8 / 5: ★★★★★
Nav business loans
Varies by lender
550+ credit score
Get connected with personalized matches from over 100 lending options. Plus, get the best rates with the help of dedicated funding managers.
Finder Score: 4.4 / 5: ★★★★★
Varies by loan type and lender
Must have been in business between 1 to 2 years, have a minimum revenue of $75,000 to $250,000 and have a minimum credit score of 500 to 650.
Complete a three-minute form to see loans that fit your business’s needs. Compare offers without a hard credit check.
Fundera business loans
Finder Score: 4.9 / 5: ★★★★★
Fundera business loans
Varies based on lenders
$60,000+ of annual revenue, 550+ personal credit score, in business for 6+ months
Get connected with short-term funding, SBA loans, lines of credit and more.

How do I get started?

ROK Financial will connect you with lenders in its network after you fill out a quick online form. Here’s how to get started.

  1. Click the green Check eligibility button on this page.
  2. Fill out the form with basic information about yourself and your business.
  3. Review the disclosures before checking the box agreeing to them.
  4. Hit Apply now.

After you submit your application, you should hear from one of ROK Financial’s business financing advisors. They’ll go over your business’s options and tell you what steps to take to complete your application.

What documents do I need to apply?

While it depends on the lender, typically all small businesses must supply at least six months of business bank statements. Or, as many as your business has if it’s been around for less than six months.

Other common documents include tax returns, financial statements and information about the business owner’s assets. But that depends on the lender, the loan amount and your business.

How do repayments work?

ROK Financial’s partners offer financing with daily, weekly and monthly repayments. How your repayments work varies depending on the lender you choose.

You can find information about what your business will owe and when it’s due in your loan agreement. That’s also where you can find out about late fees and prepayment penalties.

Read about our top picks for business lenders to see how ROK Financial compares to the best.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Anna Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site