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Lender profile

ROK Financial

Broker Great River, NY Founded 2014 Checked Sep 10, 2026
ROK Financial is a business financing marketplace in Great River, New York that matches small businesses with term loans, lines of credit, SBA loans, equipment financing, invoice factoring and merchant cash advances. Published amounts run from $10,000 to $5 million, and its homepage baseline is a 500 credit score, 6 months in business and $10,000 in monthly revenue. It quotes funding in 1 to 3 days.
Visit rok.biz Compare with similar funders
Heads up. ROK is a marketplace that arranges funding through other lenders. Its credit score figures differ by page: 500 on the homepage, 600 or more in its FAQ, 660 on its small business loan page and no minimum on its merchant cash advance page.

The open book

What ROK Financial publishes, and what it doesn't

6 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$10K–$5M
Minimum credit score
500+
Minimum time in business
4 months
Minimum monthly revenue
$10,000
Speed, in its words
1-3 days

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Term length
  • Price (rate or factor) Not published
  • Fees Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

ROK Financial's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
$10K–$5M
Price
Not published
Term
6–120 months
Repayment
—
Minimums
Credit 600+ · Time in business 6 months · Revenue $10K/mo
Speed
Same day funding
Fees
"You only pay interest on the portion of the credit you use, plus fees" - no fee amount or percentage published. FAQ: "No, there are no application fees".
Sources (1)
Price not published
Amounts
$10K–$5M
Price
Not published
Term
12–60 months
Repayment
—
Minimums
Credit 580+ · Time in business n/p · Revenue n/p
Speed
Funding in 2 - 5 Days
Fees
"No, there are no application fees" (FAQ). No other fee published.
Sources (1)
Price not published
Amounts
From $100K
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Funding in 2 - 5 Days
Sources (1)
  • "$100k+ aged up to 90 days"; "Funding in 2 - 5 Days"
    rok.biz · checked 2026-09-10

Merchant cash advance

How merchant cash advance works
Price not published
Amounts
$10K–$5M
Price
Not published
Term
Not published
Repayment
Variable
Minimums
Credit n/p · Time in business 4 months · Revenue $10K/mo
Speed
Same day funding
Fees
"No, there are no application fees" (FAQ). No factor rate or other fee is published.
Sources (1)
Price not published
Amounts
Up to $5M
Price
Not published
Term
120–300 months
Repayment
—
Minimums
Credit n/p · Time in business 2 years · Revenue n/p
Speed
Funds in as little as 45 days
Fees
Page states only that SBA fees are "limited" - no figure published.
Sources (1)
Price not published
Amounts
$10K–$5M
Price
Not published
Term
6–120 months
Repayment
—
Minimums
Credit n/p · Time in business 4 months · Revenue $10K/mo
Speed
Same day funding
Fees
"No, there are no application fees" (FAQ). No origination, admin or underwriting fee is published.
Sources (1)

Third-party ratings

Ratings as we found them

A signal, not proof. Ratings change and some platforms let companies invite reviews. Check the current page before you rely on it.
Trustpilot
1108 reviews · retrieved Sep 10, 2026
4.70 / 5
BBB customer reviews
5 reviews · retrieved Sep 10, 2026
3.40 / 5

Similar funders

Funders offering the same products

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

Alternative Funding Group

Direct funder
$5K–$500KCredit n/pNo price

Birkin Capital

Not stated
Up to $2MCredit n/pNo price

Clarify Capital

Broker
$5K–$5M500+ creditPrice published

Credibly

Direct funder
$5K–$10M550+ creditPrice published

Pages we read

  1. https://www.rok.biz
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing ROK Financial here doesn't mean it works with Openbook.

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