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ROK Financial

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LAST UPDATED: February 2nd, 2024

Opened in 2020 from the turmoil caused by the COVID-19 pandemic, ROK Financial was founded by its current CEO James Webster. Webster is a former business partner of the well-established business financing and services provider National Business Capital & Services.

Like many businesses, National was forced to pause its operations due to the pandemic. ROK Financial was born of the desire to continue helping businesses succeed and bring employees back to work. 

Best Company interviewed ROK Financial's CRO, Patrick Manning, to learn more about the business. 

ROK Financial Interview with Best Company

ROK Financial is a very new company. However, Webster has almost two decades of experience in the financial services industry. During his time at National Business Capital & Services, his team helped secure over $1 billion in financing for small businesses. This dedication to building businesses from their foundation and maintaining business partnerships is central to ROK Financial’s business financing platform. 

For being so new to the industry, ROK Financial has a robust variety of funding types. Its current small business and commercial lending options include the following:

  • Small business loans
  • Business lines of credit
  • Equipment financing
  • SBA loans
  • AR financing
  • Merchant cash advances
  • Asset based loans
  • Franchise financing
  • Startup financing

Highlight: ROK Financial is currently offering its full suite of loan products. 

In light of the financial uncertainty related to the COVID-19 pandemic, some business loan providers are only offering limited funding options. For example, some of the top loan providers were only accepting Paycheck Protection Program (PPP) loan applications instead of, or in addition to, their normal products until mid-August 2020 and beyond. 


By contrast, ROK Financial was actually born out of the turmoil of the pandemic and is actively lending, which helps it stand out from competitors.


The Good

  • Same-Day Funding
  • No Minimum FICO
  • Lower Required Months in Business
  • Fast Application Process
  • Higher Loan Minimums and Maximums

Same-Day Funding

ROK Financial can potentially provide its customers with same-day funding if a loan application is completed and all necessary documentation is submitted quickly.

Due to the company's use of fintech, business owners can be out of underwriting in hours and receive funds on the same day. This is less common within the business loans industry — more typical is a promise of funding within 24 hours. 

No Minimum FICO

Many business loan companies like ROK Financial have minimum FICO score requirements typically in the low 600s. ROK Financial does not have a minimum FICO score on its loan offerings. Most of its top financing options have no minimum, and it encourages businesses with bad credit to apply.

Unlike traditional banks, there are alternative lenders on the market that have programs for all types of credit profiles. ROK Financial advises business owners not to be discouraged by their credit score. Businesses can still qualify for specific products and programs though alternative sources. 

Lower Required Months in Business

ROK Financial will work with businesses that have been in business for a shorter amount of time. This is unique among its competitors, many of which may require a business be open for at least 12 months prior to applying for financing. Many businesses can qualify for ROK Financial’s top financing options with as little as 3 months in business. 

ROK Financial will also work with startup companies. If you have been in business for less than 6 months, you are considered a startup. Most financing options require a minimum of 6 months in business and at least $15,000 gross revenue per month, but startups can be exempt from these requirements. You will be required to have a credit score of at least 650. 

Fast Application Process

The application process can vary widely across companies working with business loan financing. ROK Financial's initial loan process application is very brief. It asks for your contact information, time in business, credit score, annual gross sales, and industry.

After you submit the application, a ROK Financial business financing advisor will contact you to discuss what loan options you may have and which to pursue. 

Higher Loan Minimums and Maximums

Each business loan provider will have a different minimum and maximum loan amount. ROK Financial’s loan minimums and maximums are higher than is typical. This could be beneficial for your business if you are looking for larger amounts of funding.

Most of the funding options offered by ROK Financial have a loan minimum of $10,000 and a loan maximum of $5 million. 

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The Bad

  • No Information on Business Terms and Interest Rates
  • New Company

No Information on Business Terms and Interest Rates

The ROK Financial website does not provide any information on the business terms or interest rates of the loans it typically secures for its customers. This could be very frustrating for you if you are shopping around and trying to compare the offerings from other loan companies. 

New Company

While its employees and leadership have years of industry experience, ROK Financial has only been in business for a couple years. This could mean that it may have fewer lending partners and a smaller marketplace of lenders. 

Additionally, while the company does have a solid lineup of lending options, some of its competitors offer business credit cards, financing for cannabis businesses, and other business services not currently in ROK Financial's suite of services. 


The Bottom Line

ROK Financial started its company in 2020 during the coronavirus pandemic. The company's leadership saw the need for small business financing in the country and decided to break off from a larger business loan servicing firm in order to continue providing loans to businesses during a difficult financial time. This dedication to providing financing to businesses is admirable. 

You will find that ROK Financial is willing to work with a larger group of businesses, including startups and those with poor credit. It also has higher loan maximums which could be helpful if you're a business owner looking for more financing.

All that said, it's ROK Financial reviews from real customers that matter most in determining the company's trustworthiness. 

The verdict? ROK reviews consistently praise the company for efficiency, professionalism, and responsiveness. Read more below. 

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ROK Financial Frequently Asked Questions

What types of business loans does ROK Financial offer?

ROK Financial offers a wide variety of business loan options including term loans, lines of credit, equipment financing, SBA loans, and much more.

Is there a minimum requirement to apply for business financing with ROK Financial?

While many factors come into play when approving a business, ROK Financial requires a minimum of $120,000 in annual gross along with at least six months in business.

Is ROK Financial a direct lender?

No, ROK Financial is not a direct lender. The company has boutique-style relationships with a group of hand-selected lenders who provide top-notch funding and programs tailored to individual business needs.

How quickly will I receive my funds after approval?

ROK Financial will work swiftly to expedite the funding process. Once all the documentation is completed, you can see funds in your account in as little as 24 hours.

What type of documentation is required?

Typical documentation needed to submit your application includes business bank statements and a signed application.
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Mark M McDonough

Poor communication, ran too many credir pulls

3 years ago Edited January 10, 2024

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Reply from ROK Financial

Hey Mark, Yikes! I’m so, so sorry to hear that this happened. At ROK, we always want to put our customers first, and I apologize that we fell short this time. I’m sharing your feedback with our Finance Managers so they know what happened, how it affected you, and what can be done to make sure this doesn’t happen again. If you’d like to talk more, please feel free to reach out to me personally at [email protected]. My name’s Madison, and I’d love the opportunity to talk this through with you to make it right. Thanks again for the feedback, and take care! Madi

Jan. 25th, 2021