Fast, clear funding for real-life businesses. No pressure, no surprises, just guidance and options you can understand.

Our only mission is to provide greater access to credit and capital, for entrepreneurship and consumers that need access to funds nationwide. We are your financial ally for all of your funding, personal and business credit needs.

Get Your Instant Pre-Approval

Submit Application

Kick off the process with a simple online application, available 24/7 for your convenience.

We Match you with Best Options for your needs

With our streamlined process, we can quickly determine your eligibility and term needs.

Get Funded

Discuss the final details, review the terms, and receive your funds in a timely manner.

GET PRE-APPROVED INSTANTLY

To qualify for our funding programs, we consider a few key factors to ensure a streamlined and transparent process. Our goal is to provide access to credit and capital for those seeking personal or business capital. Here are the typical qualifications you'll need to meet ( Dependent upon bank product the qualifications will vary):

Credit score from 650+ ( we do have services to assist with raising credit to reach benchmark)

Minimum Age Requirement (typically 18 years or older)

Active Personal/ Business Checking Account

Proof of Residence and Valid Government-Issued ID

ELIGIBILITY SNAPSHOT

Typical amounts: $10k–$250k (more with track record)

Time in business: 3+ months helpful

Monthly revenue: $8k+ helpful

Credit range: Any—rates vary; ITIN welcome

Docs: Bank statements, ID, EIN/ITIN, invoices (if applicable)

500+

Satisfied Customers

15+

Years of Experiance

50

States Covered

2B+

Funded

SERVICES LIST

(LOC)

LINES OF CREDIT

Flexible access for short gaps and opportunities including startup funding. Get the funds you need upfront with great rates, with the option to apply for more when needed.

$10,000- $150,000

Terms: 6 months - 10 Years

0% INTEREST ENTRY OFFER

FUNDING AS FAST AS 24-48 HOURS

(Soft Credit Pull)

PERSONAL LOANS

The best loan providers in one place to help you quickly and easily secure any funds you need .

$5,000- $150,000

Terms: 6 months - 12 Years

FUNDING AS FAST AS 24-48 HOURS

(Soft Credit Pull)

TERM LOANS

A small business loan is any funding option specifically designed for a small business. Small business loans allow existing or newly established companies to borrow money from lenders. Loan types exist to help entrepreneurs meet different goals. The way each loan works depends on the type of loan.

$10,000 -$5 MILLION

Terms: 6 months - 10 Years

FUNDING AS FAST AS 24- 72 HOURS

(Soft Credit Pull)

BUSINESS CREDIT COUNSELING

We equip you with the tools to build a strong business credit profile, ensuring you access better rates, more flexible terms, and the funding necessary to accelerate your business growth - all without relying on personal credit.

When funded $5,000- $150,000

Terms: 6 months - 10 Years

FUNDING AS FAST AS 24-48 HOURS

(Soft Credit Pull)

START UP FUNDING

(Unsecured Business Funding)

Funding can be utilized in ANY capacity. No income verification or industry restrictions. Must have a revolving credit line and low current credit utilization rate.

Funding up to - $150,000

Terms: 6 months - 12 Years

FUNDING AS FAST AS 24- 72 HOURS

(Soft Credit Pull)

SBA LOANS

An SBA Loan is a government backed loan that can be used to start or expand a business. The loan has certain requirements for eligibility, such as size standards, proving the ability to repay the loan and solid business purpose. The SBA works with specific lenders to offer their programs which eliminate the risk from the lender since they are backed by the government.

$50,000- $5 Million

Terms: 10 Years - 25 Years

FUNDING IN AS FAST AS 30 DAYS

(Soft Credit Pull)

Testimonials

I had an amazing experience with Rise Financial! My finance advisor Andre was fantastic and impressed me with his professionalism and deep knowledge of business funding through the entire process. From application to funding, the entire process was incredibly easy and smooth. Thank you for everything. I highly recommend them!

Mark B.

E-commerce Store Owner

The entire process was truly seamless. My finance advisor was very insightful and extremely helpful. Great to work with. Would recommend ROK Financial to any small business owner looking to expand their business on whatever level is needed.

GARRIETT C.

Owner GC Trucking

Our Pledge

We serve real people—often overlooked by traditional finance. That’s why we explain options in simple terms, honor your time and preferences, and look beyond a score to understand your goals. No pressure. No surprises.

Pillar 1 — Plain Language & Language Access

We explain every option in clear, everyday language—English or Spanish.

We show examples and break down jargon (APR, factor rate, total payback).

.You can ask for Spanish at any step.

Pillar 2 — Contact On Your Terms

You pick the channel (SMS, WhatsApp, email, phone) and best time to reach you.

Respectful follow-up policy: no spam, no pressure, easy opt-out anytime.

Prefer a weekly update or only when there’s news? You control the cadence.

No upfront fees for credit guidance—ever.

We never run a hard credit pull without your clear consent.

Complete transparency. Before you say yes, including fees and prepayment rules.

If waiting improves your offer, we’ll tell you—then help you prepare.

Pillar 4 — Beyond-the-Score Access

ITIN welcome. Thin-file credit? We consider cash flow and stability.

We review time-in-business, monthly revenue, and real-world context.

We’ll share community and nonprofit options when they’re a better fit.

FAQS

Will the Pre-check Hurt my Credit?

No. It’s a soft check. We’ll ask before any hard inquiry.

Do we work with ITINs?

Yes. We consider cash flow and stability—not just a score

How fast can I get funds?

Same day to a few business days, depending on product bank product applied for and the amount of time its take for us to receive requested documents.

Are there upfront fees for credit guidance??

No. The initial consultation is always free. We do require a deposit once we begin working on your file which is fully refunded when you receive your initial funding product.

Will our company spam your phone and inbox

Absolutely not. Any email correspondence you receive from us is purely educational. As far as text and or phone contacts you choose how and when we contact you—and how often.