ROK Financial Review


For businesses who need money fast, ROK Financial has options for same-day funding and loan limits up to $5M. Their staff is filled with business lender leaders that are long on experience.

ROK Financial originated in response to the global COVID-19 pandemic to help businesses survive through troubled times. Although new in business, ROK Financial has already established a glowing reputation of providing many fragile companies with funding to start their business and grow strong roots.

Who is ROK Financial

James Webster founded this new company based on his 20 years of extensive experience in business credit and financial services.

During his career at National Business Capital & Services, he and his team financed small businesses to the tune of over $1 billion. When the pandemic caused National Business Capital & Services to closes their door, James barely missed a beat. He simply started a company of his own, bringing in the best minds and talent available who all wanted to help small businesses in need.

As founder and CEO of ROK Financial, James Webster has not only shown that his team is capable of surviving hard times, but that they could prosper in them. His firm belief that good financial help can save numerous businesses and jobs, is proven true with each new small business loan they get approved.


Why does ROK Financial stand out from the crowd? While other online lenders shy away from new business and startup companies, ROK Financial greets them with open arms.

The core of their lending platform is a dedication to building businesses from the bottom up and maintaining partnerships as they strengthen their financial foundations. If you’re fairly new or just starting out, ROK Financial should be on your radar.

No Cost Advisor

Unlike many other online lenders, there is no initial fee to consult with a dedicated Business Financing Advisor at ROK Financial. They will happily discuss all options available to you, at no cost.

Same-Day Funding

As the financial markets still tighten their purse strings with each new COVID-19 wave, ROK Financial offers the ability to receive same-day funding through their underwriters at Fintech.

For businesses that require more loan documentation, a release of funds within a few days is also possible.

Startups Welcome

Who are the main beneficiaries of ROK Financial loans? One trait that sets ROK apart from most of their competitors is that they cater toward recently established companies.

Where other banks and lenders may require 12-24 of months activity to apply for business credit, ROK Financial has the ability to work with companies in the 3-6 months ranges whose monthly gross revenues exceed $15K.

They also have special loans geared towards startups, whose main requirement is a minimum 650 credit score.

High Loan Limits

The minimum loan ROK offers is $10,000, while the maximum limit goes all the way up to $5,000,000.  This low-to-high range is not all that common among alternative lenders and provides an opportunity for you to receive higher funding amounts.

No Minimum FICO Required

Unlike the majority of lenders today who require a FICO score of 600-680+, ROK Financial doesn’t have a minimum to get your loan approved.

Bad Credit Approvals

ROK Financial also encourages businesses with bad credit scores to apply, proving their motto that no businesses should be discouraged by their financial history. Their networking options for alternative lending sources are numerous, and allow ROK clients to get approvals where others couldn’t.

How to Apply

The first step in applying for funding at ROK Financial is to fill out their consultation form which gathers preliminary info:

  • Business name, industry, and loan contact info
  • Business activity and annual gross sales
  • Business credit score if well established, personal if newly established

After submission, one of their advisors will contact you to discuss your funding possibilities. If you wish to apply for one of their recommended options, they’ll then give you a paperwork checklist for the documentation required to get approved.

The amount of documentation needed will depend on your business history, financial status, and credit score, along with the type of business loan you apply for, and the funding amount.  


Are there any downsides to applying for a loan at ROK Financial? Yes, there are a few.

Website Transparency

Like most online lenders, ROK’s website does not have all the loan details to average visitors to make comparisons. You’ll have to apply and speak with one of their funding advisors to get in-depth details about, terms, interest rates, and loan limits available to you.

While they do create unique loan offers for many businesses, it would be nice if they provided more insight into what you might qualify for, before applying.

Short Track Record

ROK Financial was only established in 2020 during the Coronavirus pandemic, so while their online reviews are noteworthy, they don’t yet have a long-standing reputation for delivering funds.

Consequently, they may have gained fewer partnerships with lenders in specific loan categories. If some requests are beyond ROK’s expertise, however, they will forward you on to a specialized lender.


Below you’ll find answers to our most frequently asked questions about ROK Financial, along with the type of loans they offer, and how their application process works.

When registering for your DUNS number, you can expedite the process by paying the $229 fee for a DUNSFile which speeds up approval to less than 5 business days. If you’re an Apple developer, you can get the same fast process for through their system.

Lastly, for those in Asia, there’s the DUNS Registered SEAL, which has an even faster process, but also lots of false websites selling it. Unfortunately, the CCR government contractor loophole has been closed with the opening of (System for Award Management).

After registering for a DUNS number, you’ll typically receive it with 30 business days (6 weeks). There are a few ways to expedite the process, such as paying $229 to create a DUNSfile which allows for application processing in 5 business days or less. You can also get the same deal for free if you’re an Apple Developer.

Categories: Business, Cards, Chase, Credit

Your account anniversary date Chase Ink Business credit cards is the day your was approved. Once you reach a combined $25,000 in total spending (combined 5%, 2%, or 1% purchases) your cashback will be capped until next year’s account anniversary date.

Categories: Business, Cards, Chase, Credit

Cash-like transactions on Chase Business Ink credit cards are a reference to lottery tickets, casino gaming chips, race track wagers, or similar betting transactions. It can also refer to any checks that access your account, interest, unauthorized or fraudulent charges, or fees of any kind, including annual fees where applicable.

Categories: Acquisition, Business, Loans

Banks and credit unions generally provide the lowest interest rates for business acquisition loans, but also have the lowest rate of approval. Banks also usually take time to approve applications since they require a lot of documentation such as tax returns, cash flow documents, business plans, and business backgrounds.

If you need cash quickly, then you might want to try an alternative online lender. The documentation they require is more credit score than business-plan related, and approval can happen within hours or just a few days.

Before accepting a loan deal, be sure to read the fine print, as well as, be fully aware of interest rates, and early loan payment fees. As well, you want to use a reputable lender whose recent reviews are all positive.

Categories: Acquisition, Business, Loans

Once you apply for a business acquisition loan, the lender will check your credit score (personal and business). Having an EIN or DUNS number is beneficial in this case as it will help make your financial standing good. Also, it might prevent personal liability if the business acquisition loan defaults.

Categories: Business, Loans, SBA

Harvest SBF is an alternative solution to the classic funding coming from banks, and other traditional lenders. They are more affordable and less strict, thus giving a chance to startups, newly-established companies, or those with a bad credit record.

Multiple DUNS numbers can be issued if you own a business located in different locations. For example, if you have a business in New Jersey and New York, then both may have a DUNS number that’s distinct from each other.

On the other hand, the same DUNS number may be used if your business and its branches are located in the same location. In contrast, multiple DUNS numbers will be issued if your businesses have the same name but, operate in different industries, or has different legal entities.

Governments working with DUNS and Bradstreet strongly require businesses operating under their jurisdiction to get a DUNS number. This is because it allows them to monitor the operations of businesses without directly interfering with them. Basically, it helps governments see that businesses do not make transactions with entities that threaten national security.

With Duns and Bradstreet’s DUNS number, governments also get to monitor the economic performance of certain markets. This is because data collected from businesses can be analyzed by agencies whose task is to monitor the growth or withering of specific sectors in the market.

NO. The application and issuance of DUNS numbers are ONLY done through the Duns and Bradstreet website. To avoid fraud and losing your money, do not transact with any other websites other than when applying for a DUNS Number.

In general, most loan applications at ROK Financial include the same primary elements of credit scores, business banking records, and a list of collateral or company assets. Bank references and proof of sufficient deposits will most definitely help speed up your approval process.

In regards to accounting numbers, ROK Financial can require items annual gross sales along with monthly gross margin, cash flow, debt to equity ratio, accounts payable and receivable, earnings, and monthly sales volume.

ROK Financial is known as a fast money provider, who has implemented many online systems and procedures that speed up the loan application process. As long as you’re able to quickly supply the documentation they request in your funding checklist, you could receive funds in your bank within 24-72 hours.

ROK Financial is known as a fast money provider, who has implemented many online systems and procedures that speed up their loan application process. As long as you’re able to quickly supply the documentation they request in your funding checklist, you could receive funds in your bank within 24-72 hours.

No. ROK Financial does not directly provide loans to their clients and is an intermediary between lenders. They use underwriters like Fintech, and their strong personal network includes a bevy of carefully selected lenders that offer a wide variety of loan and approval requirement options.

There are many options for you to choose from at ROK Financial, which include:

  • Small business loans, startup funding, business line of credit, and SBA loans
  • Equipment financing and AR financing
  • Asset-based loans, fix and flip loans
  • Merchant cash advance and franchise financing

Leave a comment