From rapid-fire merchant cash advances to long-term SBA loans, Rocket has the right capital for every flight plan.
Get a lump sum of capital today and pay it back as a small percentage of your daily card and bank revenue. When sales are strong, you pay more. When they're slow, you pay less. It flexes with you.
$5K – $5M4–18 month terms24hr fundingNo collateral600+ FICO
Best for: Restaurants, retail, e-commerce, and any business with daily card or bank deposit revenue. Especially great when you need cash now.
| Amount | $5K–$5M |
| Factor Rate | 1.10 – 1.45 |
| Payback | Daily / Weekly |
| Term | 4–18 months |
| Min. Time in Business | 6 months |
| Min. Monthly Revenue | $10,000 |
| Amount | $25K–$2M |
| Rate | From 8.99% APR |
| Payment | Monthly |
| Term | 3–60 months |
| Min. Time in Business | 2 years |
| Min. FICO | 650 |
A traditional lump-sum loan with fixed monthly payments and a clear payoff date. Built for businesses that want predictability — perfect for big plays like expansion, acquisition, or replacing higher-cost debt.
$25K – $2MFrom 8.99% APR3–60 month terms650+ FICO
Best for: Established businesses with 2+ years operating history looking for low rates and long terms.
A revolving credit facility you can draw from anytime. You only pay interest on what you use. As you pay it back, it becomes available again — like a credit card built for serious operators.
$10K – $500KPay only what you useRevolving625+ FICO
Best for: Smoothing cash-flow gaps, seasonal businesses, surprise opportunities, or having an emergency war chest ready.
| Credit Limit | $10K–$500K |
| Interest Rate | From 10.99% |
| Draw Term | 6–24 months |
| Maintenance Fee | $0 |
| Min. Time in Business | 12 months |
| Funding Speed | 48 hours |
| Amount | Up to $2M |
| Rate | From 7.5% APR |
| Down Payment | 0–10% |
| Term | 2–7 years |
| Min. FICO | 620 |
| Collateral | The equipment |
Finance the machines that make you money. The equipment serves as its own collateral, so qualifying is easier. Up to 100% financing, longer terms, and lower rates than unsecured options.
Up to $2MFrom 7.5% APR2–7yr terms0% down available
Best for: Trucks, food trucks, restaurant equipment, medical/dental gear, manufacturing machinery, construction equipment, IT hardware, fleet vehicles.
Your customers paying you in 30, 60, 90 days? Don't wait. Sell us your outstanding invoices and we'll advance you up to 95% of the value — within 24 hours. We collect from your customer, you keep operating.
85–95% advanceSame-day fundingNo FICO minimumNo personal guarantee
Best for: B2B businesses with creditworthy customers — staffing agencies, trucking companies, manufacturers, wholesalers, government contractors.
| Advance Rate | 85–95% |
| Factor Fee | 1.5–4% per 30 days |
| Funding Speed | 24 hours |
| Min. Invoice | $1,000 |
| Time in Business | Any |
| Personal Guarantee | Not required |
| Amount | Up to $5M |
| Rate | From 6.5% APR |
| Term | 10–25 years |
| Down Payment | 10–20% |
| Min. FICO | 680 |
| Funding Time | 30–90 days |
The crown jewel of business loans: government-guaranteed, long-term, and at the lowest rates available. We're an SBA Preferred Lender, which means faster underwriting and higher approval rates than going through a regular bank.
Up to $5MFrom 6.5% APR25-year termsPreferred Lender
Best for: Buying real estate, acquiring a business, large equipment purchases, or refinancing high-cost debt. Worth the wait for the right project.