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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a ROK Financial's loan


How to apply

Once a client opens the main page of the website of ROK Financial, they get to explore all available options and offers. To begin a fully functional user experience, new users may want to click the "Apply now" button. This action will take them to a "Get Started" page. There is a pop-up window that will open the application form and request personal information and background. After all the mandatory boxes are filled, the status of the application will be complete.


ROK financial sets out particular demands in order to be eligible for its services. Therefore, to qualify for the best options, the customer must have at least three months of work time in business. Five thousand dollars is the minimum amount of monthly gross income in sales, and sixty thousand dollars is the minimum amount of annual gross sales requested by ROK financial. ROK Financial requires a minimum of 580 or more FISCO scores to apply.

Application details

To apply as a client, the service will ask for certain statistical information, such as the credit score and annual sales amount, among other personal information.

Application requirements for small business loans, in particular, include similar primary elements and details:

  • Credit scores. Since the client takes responsibility for the small business loan, their credit score holds a certain value and plays a big role in regulating the size of the loan. If there are multiple owners, the bank will be asking for a separate credit score from each, as well as the overall business credit score. Before application, it is important to check the credit report for any inaccuracies that may be present. Also, depending on where the client stands with their credit score, if they are closer to a higher threshold, they may find it useful to take steps to increase the overall score to qualify for the next category.

  • Business banking records. The bank will be requesting to see the applicant's business banking records to evaluate the foundation and give a rating, which is the decisive factor in how much the business can borrow. It is advised to follow the tips that will ensure more successful application offerings. Hence, it's ideal for maintaining a continuous balance and for demonstrating consistent revenue as well as responsible financial management.

You will need to submit the following documents:

  • SSN or Tax ID;

  • Business licenses and filings;

  • Tax filings;

  • Profit or loss statement, balance sheet, and bank statements.

Application options are not only available to customers, but also to potential partners. In order to become a partner of ROK financial, a potential candidate is required to submit an application, which would allow them to become a Referral Partner. The next step will be onboarding, which is conducted through a conversation with one of the Account Managers. When the process of becoming a partner is completed, the new business associate is able to earn commission through funded deals.


What credit score do I need to apply for ROK Financial?

A credit score holds a certain value and determines a client's loan. However, there isn't a certain minimum.

Does ROK Financial have a revenue criterion?

Yes, lenders look at revenue, which must be consistent, and that is one of the determining factors for the loan amount.

How do I qualify for ROK Financial?

For the client to qualify for ROK Financial services, they must comply with certain requirements such as the credit score and amount of sales.

Calculate loan payments in ROK Financial

ROK Financial calculator will allow you to calculate an approximate payment schedule for the loan

ROK Financial calculator
Interest rates are given in accordance with the rates of the ROK Financial in Washington, D.C. as of 02.10.2022
Loan amount

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10000 $
5000000 $
Loan term

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What to focus on before applying for a loan with ROK Financial

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between ROK Financial and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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