ROK Financial Review: Lending Marketplace for Biz Loans (2026)

Is ROK Financial legit?

Yes, ROK Financial is a legitimate business loan matching service. The company has been accredited by the Better Business Bureau since 2020 and has an A+ rating with the site. It also has a 4.9 rating from past customers on Trustpilot. ROK Financial protects user information by using cloud-based servers with enterprise-class firewalls that are monitored 24/7.

What makes ROK Financial shine?

• Large lending network with broad coverage. Partnering with many lenders gives borrowers more chances to find a financing match than just applying to one lender directly.
• Many financing types in one place. ROK Financial offers access to term loans, SBA products, equipment financing, lines of credit, revenue-based options and more through the same initial application.
• Wide range of loan amounts. Funding typically starts around $10,000 and can reach $10 million, depending on the lender and loan type.
• Flexible repayment terms. Terms range from six months to 30 years.
• Able to work with a wide variety of businesses. Some of ROK Financial’s partners accept startups or industries that may be excluded by traditional lenders.
• Credit flexibility across loan products. Certain loan types have no minimum credit score, while others may start around 580 to 675.
• Guidance from a dedicated financing advisor. Borrowers receive help reviewing options and navigating next steps in the application process.
• Faster funding than many marketplaces. Some partners can approve and fund within 24 hours.

Where ROK Financial falls short

• Rates and fees aren’t disclosed up front. You won’t find out what your APR is until after sharing your information and speaking with an advisor.
• Not a direct lender. Because ROK works with outside lenders, borrowing costs can vary widely.
• Repayments may be frequent. Some financing types, especially revenue-based products, require daily or weekly payments that can strain cash flow.
• High revenue requirements for certain loan types. Some partners look for strong monthly sales, which may limit options for smaller or early-stage businesses.
• Expect follow-up calls or emails. Advisors, partner lenders and third parties may reach out after you submit your information.
• Approval isn’t guaranteed. Even after applying, you may not qualify for a loan. Then you’ll need to seek other funding options.
• Funding speed depends on the lender. While some partners can fund in one business day or less, others take longer to underwrite and release funds.

ROK Financial loan details

ROK Financial contact information

How to qualify for ROK Financial

The qualifications for ROK Financial vary depending on the loan product you choose. Here are the requirements for some of the company’s most popular types of financing:

Term loans and working capital loans

• 660+ credit score
• At least 4 months in business
• $120,000 minimum annual gross sales

Accounts receivable financing

• No minimum credit score requirement
• $500,000+ in annual gross revenue
• $100,000 outstanding B2B accounts receivable

Business line of credit

• At least 600 credit score
• 6+ months in business
• $10,000 in monthly revenue

Equipment financing

• 580 minimum credit score
• Zero time in business
• No annual revenue requirement

How to apply

ROK Financial keeps the application process simple and easy to navigate. Here’s what to expect:

1. Fill out the short online form. Provide basic information about your business, so ROK Financial can see which lenders and loan products may be a good match.
2. Talk with a financing advisor. A ROK advisor reviews your information and calls to explain the loan or financing options available to you.
3. Submit any required documents. Depending on the lender, you may need to upload recent bank statements or other business records to complete the application.
4. Sign the lending agreement. After you choose an option, you’ll review and sign the final terms provided by the lender.
5. Receive your funds. Once the final documents have been signed, lenders release your funds, sometimes as soon as the next business day.

How ROK Financial compares to other lenders

6 of 6 results

Updated regularly

Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted Finder score 9.9 Excellent Pinnacle Funding	Finder score 9.9 Excellent	$5,000	$3,000,000	Varies by loan type	6+ months in business, 525+ credit score, $180,000 in annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent Lendzi	Finder score 9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 580, minimum annual revenue of $120,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent Fundera business loans	Finder score 9.5 Excellent	$2,500	$5,000,000	Varies by lender	$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.	Go to siteView details Compare product selection Compare	loading
Finder score 9.6 Excellent Advance Funds Network	Finder score 9.6 Excellent	$10,000	$5,000,000	Varies by lender	6 months in business, at least $10,000 in monthly revenue	A range of funding options for your business	Go to siteView details Compare product selection Compare	loading
Finder score 8.9 Great Best Money	Finder score 8.9 Great	$5,000	$5,000,000	Varies by lender	Depends on the lender	Apply in minutes. Get funded fast.	Go to siteView details Compare product selection Compare	loading
Finder score 9.6 Excellent Lendio business loans	Finder score 9.6 Excellent	$1,000	$5,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 580 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading

loading

Load More

Showing 6 of 6 results

Compare other products

We currently don't have that product, but here are others to consider:

How we picked these

What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

ROK Financial reviews and complaints

On the Better Business Bureau (BBB) website, ROK Financial reviews are pretty much evenly split between positive and negative comments. But on Trustpilot, the company overwhelmingly gets high ratings, with 98% of past customers giving it five stars.

Customers who have good experiences with ROK Financial often mention how helpful the customer service team is. Other positives include the easy application process, wide variety of loan options and how quickly they receive funds. The few customers who had negative experiences complain about not getting funded, being approved for a low amount, pushy sales tactics and receiving unsolicited marketing calls and emails from other lenders after applying.