Working Capital Loans for Small Businesses in 2025

Section 1: What Is a Working Capital Loan and Why It Matters in 2025

Introduction to the Concept

A working capital loan is a type of short-term business financing specifically designed to cover a company's day-to-day operating expenses. Unlike term loans that are geared toward significant investments or fixed asset purchases, working capital loans are used to support ongoing operational needs — including payroll, rent, inventory, supplies, and vendor payments.

Need fast, flexible working capital for your business?
Get Pre-Qualified With No Credit Impact Through ROK Financial — Approvals in 24–72 Hours

In today's volatile financial landscape, small businesses face unpredictable revenue cycles, delayed client payments, and seasonal fluctuations in demand. This makes access to quick, flexible capital not only convenient but also critical. Working capital loans serve as a financial buffer, enabling a business to run smoothly when cash flow becomes tight.

2025 Business Environment: Why Access to Working Capital Is a Competitive Advantage

The U.S. small business economy in 2025 is navigating post-inflation turbulence, tighter banking regulations, and increasingly digital-first customer behavior. Traditional bank lending has become more restrictive, with longer approval times and stricter underwriting. This environment creates a widening gap between businesses that can access non-bank working capital — and those that can't.

Here's why working capital access matters more than ever:

Speed wins — when opportunities appear, the ability to move fast determines who scales and who stalls.
Cash flow volatility is the new norm, and smooth cash cycles are no longer guaranteed.
Vendors, platforms, and employees expect consistency — delays can damage reputation, cost clients, or breach contracts.

In short, if you're not securing access to working capital, your competitors probably are.

When Do Businesses Use Working Capital Loans?

Working capital loans are most commonly used in the following real-world scenarios:

Bridging seasonal revenue gaps (e.g., retail businesses restocking before Q4)
Covering payroll during a slow month
Taking advantage of a supplier discount or early payment deal
Handling emergency repairs or equipment maintenance
Investing in inventory before a marketing push or product launch

The flexibility of use, combined with rapid approval, is what makes this funding type a tactical weapon in a small business owner's toolkit.

Section 2: How Working Capital Loans Work — Terms, Structures, and Real-World Scenarios

The Mechanics Behind Working Capital Financing

Working capital loans are structured to be fast, flexible, and short-term in nature. Most loans range from $10,000 to $500,000 and are designed to be paid back in 3 to 24 months, depending on the lender, your business's financial profile, and the repayment structure.

There are two main structures for working capital loans:

Fixed Term Loans
- Lump sum disbursement
- Daily or weekly fixed repayments
- Set term (e.g., 6, 12, or 18 months)
Merchant Cash Advances (MCAs) / Revenue-Based Repayment
- Based on future revenue projections
- Daily percentage of credit/debit card sales withdrawn
- More flexible for fluctuating income businesses

Many lenders, including ROK Financial, offer hybrid products that combine fixed repayment schedules with flexible underwriting.

Typical Repayment Schedules and Fee Structures

Working capital loans typically do not charge traditional interest rates. Instead, many use a fixed rate — a fixed cost multiplied by the loan amount. For example:

Borrow $100,000 at a 1.25 factor rate = repay $125,000
Daily or weekly ACH withdrawals until fully paid off

Other costs may include:

Origination fees (typically 2%–5%)
Early repayment discounts or penalties
Underwriting fees or administrative costs

Business owners must understand the actual cost of capital, not just the speed of funding.

Real-World Use Case Scenarios

Here's how different industries might use a working capital loan in 2025:

Retailer: Funds $50,000 to purchase Q4 inventory three months early at a 15% supplier discount — generating 2x ROI.
Construction company: Uses $100,000 to float payroll and materials for a 90-day contract before client payment arrives.
E-commerce business: Covers cash flow gaps during a viral TikTok campaign surge with a $25,000 working capital injection.
Restaurant owner: Repairs walk-in freezer and upgrades POS system with a $40,000 loan repaid over 12 months.

The goal isn't long-term leverage — it's short-term growth, protection, or opportunity capture.

How ROK Financial Stands Out Structurally

Most traditional banks can take 3–6 weeks to provide a decision, and often require collateral, pristine credit, or audited financial statements.

ROK Financial's process, by contrast:

Starts with a simple online application
Uses soft credit pull in early stages (no impact)
Connects businesses with vetted lenders that offer same-day funding in some cases
Works with a wide range of industries and credit profiles

This makes it ideal for fast-moving small business owners who need results, not bureaucracy.

Want to see how much funding your business might qualify for?

Apply Through ROK Financial and Get Matched With Real Lenders

Section 3: Top Benefits of Working Capital Loans for Small Businesses

1. Rapid Access to Cash When Timing Matters Most

One of the most significant advantages of a working capital loan is speed. In today's business environment, being able to respond quickly — to a supplier discount, an emergency expense, or a growth opportunity — can mean the difference between scaling and stagnating.

Many loans are funded in as little as 24–72 hours
No long waits or bank committee approvals
Perfect for urgent cash flow needs or fast-growth opportunities

With lenders like ROK Financial, the application and approval process is streamlined, with decision-making focused on real-world business potential, not just credit score.

2. Flexible Use of Funds

Unlike equipment loans or SBA loans that require specific uses, working capital financing gives you complete discretion:

Cover payroll or rent
Restock inventory
Launch a seasonal ad campaign
Manage vendor relationships
Navigate client payment delays

This flexibility enables business owners to act like true operators — deploying capital where it has the most significant impact.

3. No Collateral Required

Most working capital loans are unsecured, meaning:

No business or personal assets are needed as collateral
No liens on equipment, inventory, or property
No risk of losing valuable assets in a default scenario

This lowers the barrier to entry and makes it viable for newer or asset-light businesses — especially in service-based or digital industries.

Explore Working Capital Loan Options From ROK Financial

4. Protects Long-Term Credit Lines

Instead of tapping into a long-term business line of credit or overdrawing a business checking account, working capital loans act as a temporary cash injection without compromising more strategic funding sources.

This preserves:

Bank relationships
SBA eligibility
Personal credit scores (in most cases)

5. Revenue-Based Repayment Matches Cash Flow Cycles

Many working capital loan structures (especially MCAs or hybrid models) offer variable repayment plans based on your actual revenue. That means you pay more when business is booming, and less when things are slower — a significant advantage for:

Seasonal businesses
Retailers and restaurants
E-commerce shops with fluctuating revenue

This dynamic structure reduces default risk and supports long-term sustainability.

6. Builds Business Credit and Future Funding Eligibility

On-time repayment of a working capital loan can help:

Improve your business credit profile
Qualify for larger loans or credit lines
Position your company for SBA loans, equipment financing, or commercial real estate loans in the future

Pro tip: Always verify whether your lender reports to major business credit bureaus. Many of the ROK's partners do.

Section 4: Who Qualifies for Working Capital Loans? Minimum Requirements and Approval Factors

The Myth of “Perfect Credit” — Why It's No Longer Required

One of the most common misconceptions about business lending is that you need perfect credit or years of financial history to qualify. That may have been true for traditional banks 10 years ago — but in today's alternative funding space, lenders like ROK Financial work with a much broader set of business profiles.

Fintech underwriting models, revenue-based risk assessments, and a wider appetite for non-traditional borrowers power this shift.

Here's what that means for you.

Core Minimum Requirements (Across Most ROK Funding Partners)

While specific thresholds vary by lender and product, most working capital providers using ROK's network look for:

Time in Business: 6+ months (some programs require only 3 months)
Monthly Revenue: $10,000+ gross deposits
Business Bank Account: Required for underwriting and ACH repayment
FICO Score: 550+ (some programs go as low as 500)
Industry Type: Most industries accepted (some high-risk niches excluded)

Note: ROK partners with over 75 lenders — so if you don't qualify for one offer, they'll often find a match elsewhere based on your profile.

Factors That Increase Approval Odds

To increase your chances of qualifying for a larger loan, lower rates, or better terms, focus on these core business health indicators:

Stable Monthly Revenue: Fewer spikes or dips in deposits
Low NSF or Overdraft Activity: Shows responsible cash management
Multiple Deposits per Month: Indicates diversified revenue sources
No Open Bankruptcies or Recent Defaults: Signals business stability
Consistent Daily Balances: Healthy operating capital cushion

Insider Tip: Uploading 6–12 months of business bank statements, rather than just 3, can often unlock better offers — especially for term loans exceeding $ 100,000.

Industry-Specific Approval Patterns

Some industries are considered lower-risk and typically receive faster approvals and higher amounts, such as:

Medical practices
Legal or accounting firms
Ecommerce
Manufacturing
Established service-based businesses

Other sectors — like cannabis, adult services, firearms, or travel — may face stricter underwriting or be excluded from some lending programs altogether. ROK's expert advisors can help prequalify before a hard submission is made.

Section 5: Application Process — What to Expect When Applying Through ROK Financial

A Smarter, Streamlined Path to Approval

Gone are the days of 20-page loan applications, stacks of tax returns, and weeks of back-and-forth with slow-moving banks. ROK Financial specializes in speed, simplicity, and strategic matching — connecting small businesses with the right lenders in as little as 24 to 48 hours.

Their process is designed for busy founders, not bureaucrats.

Here's precisely what you can expect step-by-step:

Step 1: Initial Prequalification

You'll start by completing a simple online form or consulting with a ROK advisor. To prequalify, you'll typically need to provide:

Basic business details: legal name, EIN, years in operation
Average monthly revenue and business bank activity
Owner contact info and FICO score range

No hard credit pull required at this stage.

→ Pro Tip: Be upfront about recent challenges — ROK's team may steer you toward flexible lenders who can still approve you.

Step 2: Document Submission (Minimal Required)

If you meet prequalification thresholds, you'll be asked to upload:

Last 3–6 months of business bank statements
Voided business check
Driver's license
Business license or EIN verification (optional)

→ Some lenders may ask for a Merchant Processing Statement if you do high volume via credit cards.

Step 3: Funding Marketplace Matching

ROK's underwriting team submits your application to multiple lenders in their 75+ partner network, including:

Revenue-based lenders
Short-term working capital lenders
Hybrid term lenders
MCA (Merchant Cash Advance) providers
Niche industry funders

Each lender evaluates your profile, and many return decisions within hours.

Step 4: Offer Comparison & Consultation

You may receive multiple offers, which your ROK advisor will walk you through — explaining:

Funding amounts
Repayment terms
Daily or weekly ACH structure
Factor rates or APR equivalents
Prepayment discounts (if applicable)

This helps you choose the best-fit offer, not just the first available one.

Step 5: Final Approval & Contracting

Once you accept an offer:

Final underwriting may request light verification (e.g., a landlord reference)
Contracts are delivered securely via DocuSign.
Funding typically hits your business account within 24–48 hours.

See If Your Business Qualifies in Just Minutes

ROK Advantage: Human Advisors + Tech Speed

ROK Financial combines a human-first consultative approach with the speed of fintech. Their team of funding experts works with you directly, not just as a sales rep — but as a partner who understands your short- and long-term goals.

Section 6: How Working Capital Loans Compare to Other ROK Financial Funding Options

If you're weighing the pros and cons of a working capital loan versus other business funding products, understanding the fundamental differences can save you thousands — and help you fund smarter.

Here's how working capital loans stack up against other popular funding types offered by ROK Financial:

Working Capital Loans vs. Business Term Loans

Working capital loans are designed for short-term needs — typically used for immediate cash flow, inventory restocking, payroll, or bridging a seasonal gap. You can access amounts between $5,000 and $750,000, with terms ranging from 3 to 18 months, and funding as fast as 24–48 hours.

Business term loans, by contrast, are better suited for larger, long-term investments. Think expansion, purchasing equipment, or acquiring commercial property. These loans typically range from $10,000 to $5 million, with repayment terms of 1 to 10 years, and they may require stronger credit (often a FICO score of 650 or higher) to qualify.

When to choose working capital: If speed, flexibility, or a lower credit score is your reality, working capital loans win.

When to choose term loans: If you're planning for long-term growth or need high-capital funding, term loans deliver more structured, lower-cost financing.

Working Capital Loans vs. Merchant Cash Advances (MCAs)

Merchant cash advances (MCAs) are another short-term option, but they're best for retail or service businesses with high credit card sales volume. Instead of fixed repayments, MCAs take a daily percentage of your card-based sales, making them variable and often more expensive than working capital loans.

Working capital loans offer predictable daily or weekly ACH payments, giving you more control over your repayment schedule and budgeting.

Choose MCAs if your revenue is card-heavy and seasonal.

Choose working capital if you want cost predictability, faster qualification, and lower total repayment exposure.

Working Capital Loans vs. Business Lines of Credit

A business line of credit provides revolving access to capital — you draw funds as needed, only paying interest on what you use. It's perfect for businesses with uncertain or fluctuating expenses.

Working capital loans give you a lump sum upfront with a fixed repayment schedule and cost. There's no ongoing access to funds unless you reapply.

Use a line of credit for variable or unexpected expenses that pop up throughout the year.

Use a working capital loan when you know exactly what you need to spend — and want maximum speed, simplicity, and structured repayment.

Which ROK Funding Option Is Right for You?

Suppose your goal is to quickly bridge a short-term gap, cover essential operating costs, or recover from a temporary downturn. In such cases, a working capital loan is typically the best fit — especially when time, flexibility, and minimal documentation are most important.

If you're making a significant, strategic investment in your business, ROK Financial's longer-term options, such as business term loans or SBA loans, may offer better long-term cost efficiency.

And if you need ongoing, on-demand access to capital, consider ROK's flexible business line of credit programs.

Section 7: Strategic Uses of Working Capital — Real Scenarios from ROK Clients

Working capital loans are powerful because they are fast, flexible, and designed to be deployed precisely where a business needs momentum. The most successful ROK clients treat these funds not as lifelines — but as strategic levers for growth.

Below are real-world examples that demonstrate how working capital can be applied with intent, speed, and measurable ROI.

1. Inventory Restocking During Seasonal Demand

Retailers, e-commerce brands, and inventory-based businesses often need to invest heavily in advance of peak seasons. Working capital helps them:

Purchase bulk inventory at optimal pricing
Avoid stockouts that damage customer trust
Fulfill seasonal demand without cash flow constraints

Example: A specialty gift shop used a $65,000 working capital advance to purchase Q4 inventory. The result: $210,000 in revenue over a six-week period.

2. Emergency Cash Flow to Handle Unplanned Expenses

When critical systems fail or unexpected expenses arise, timing is everything. ROK clients use working capital to:

Repair equipment or vehicles
Bridge payroll shortfalls
Cover vendor gaps without operational disruption

Example: A restaurant accessed $18,000 within 48 hours to repair its walk-in refrigeration system. That capital prevented a shutdown and preserved $40,000 in weekend revenue.

3. Scaling Paid Marketing and Campaigns

Marketing returns are often limited by budget, not opportunity. Fast capital allows growth-ready businesses to:

Double or triple their ad budgets
Launch direct response or retargeting campaigns
Partner with agencies or influencers quickly

Example: A fitness coaching company invested $35,000 in paid ads using a working capital loan. The campaign generated $150,000 in net-new client sales in 30 days.

4. Hiring and Payroll Expansion

Growth often requires hiring staff before the revenue fully lands. ROK clients apply working capital to:

Onboard seasonal or project-based staff
Fund early payroll cycles
Scale delivery or fulfillment operations

Example: A regional construction firm used a $90,000 working capital advance to hire three additional field crews. This capacity helped win a public contract valued at over $900,000 annually.

5. Vendor Prepayment and Cost Negotiation

Cash-on-hand increases negotiation power. Working capital can help businesses:

Lock in discounted vendor pricing
Avoid interest or late fees
Improve supplier relationships and terms

Example: A wholesale food distributor secured $120,000 to prepay for annual contracts at 2023 rates. That decision reduced COGS by $60,000 for the year.

6. Bridge Funding for Receivables or Claims

For service-based businesses, delays in client payments or insurance reimbursements can pose a threat to liquidity. ROK helps clients:

Maintain operations between receivables
Cover expenses while awaiting disbursements
Smooth cash flow cycles

Example: A healthcare provider waiting on a $200,000 insurance payout accessed $50,000 in working capital to continue operations and maintain staff during the delay.

7. Testing New Locations or Business Units

Expansion doesn't always require long-term financing. Working capital enables lean, fast execution of growth experiments such as:

Pop-up shops and regional pilots
Short-term lease commitments
Marketing pushes for new audiences

Example: An apparel retailer used $80,000 in capital to test a second location during a holiday surge. It quickly proved viable, now generating $35,000 in monthly recurring revenue.

The Bottom Line: Working Capital Is a Growth Strategy

The difference between average borrowers and successful entrepreneurs lies in execution. Working capital is not about convenience — it's about timing, targeting, and transforming potential into revenue.

ROK Financial specializes in delivering the kind of capital that high-performing business owners can use immediately — to close gaps, seize opportunities, and grow fast.

Whether it’s inventory, hiring, or growth — working capital is a tool, not a burden.

Let ROK Help You Use It Strategically

Section 8: What Makes ROK Financial Different — Why Thousands Choose ROK Over Banks and Brokers

1. Speed of Funding: Same-Day to 72-Hour Capital Access

The red tape of traditional banks doesn't bind ROK Financial. Through its expansive lender network and streamlined underwriting process, qualified borrowers can:

Get pre-qualified within minutes
Receive offers in as little as 2–4 hours
Access funds as quickly as the same business day

For business owners facing time-sensitive decisions — whether it's payroll, purchasing, or opportunity capture — this speed is not just helpful; it's essential. It's often the difference between profit and loss.

2. Relationship-Based Lending — Not Just Algorithms

ROK's internal funding advisors take a consultative approach, meaning:

Every applicant is paired with a real, U.S.-based expert who helps them understand their options.
ROK aligns the loan structure to your cash flow, revenue cycles, and long-term goals — not just your credit score.
Repeat borrowers receive priority treatment and strategic funding roadmaps.

Unlike cold algorithms or generic fintech platforms, ROK's relationship model builds trust — and unlocks better terms over time.

3. Access to 75+ Lenders with One Application

Rather than filling out multiple funding requests or applications across various sites, ROK consolidates its extensive funding ecosystem into a single, streamlined application. This gives borrowers access to:

Term loans
Working capital advances
SBA 7(a) and SBA Express
Startup capital
Equipment financing
Commercial real estate funding
Revenue-based financing
Lines of credit
And more — without having to reapply

This approach saves time, increases approval odds, and gives business owners the chance to compare real offers — not just “pre-approval estimates.”

4. High Approval Rates — Even for Non-Traditional Profiles

While banks reject small business loans at a rate of over 75%, ROK specializes in serving:

Startups with limited operating history
Companies with fair to moderate credit
High-revenue businesses that banks underserve
Minority- and women-owned businesses seeking alternative capital
Seasonal businesses with non-standard cash flow cycles

This makes ROK a critical partner for businesses that don't fit the box — but have real growth potential.

5. Dedicated White-Glove Support

From application to funding, ROK advisors are available via phone, text, and email. Their team communicates clearly about:

What paperwork is needed
What lenders are looking for
How offers compare — and where hidden fees or traps might exist

They're not here to sell — they're here to educate, guide, and fund.

6. No Upfront Fees, No Obligation

Unlike many loan brokers or marketplaces, ROK charges no upfront fees and no commitment to accept an offer. Business owners are empowered to:

Review multiple real lender offers
Decline any terms that don't make sense
Make a fully informed decision on their timeline

It's an approach rooted in transparency, which builds trust and long-term relationships.

7. Unmatched Funding Versatility

Whether a client needs $10,000 in a same-day advance or $5,000,000 in structured commercial funding, ROK has the lender relationships and platform infrastructure to deliver. Its unique position allows it to fund:

Solopreneurs and startups
Franchises and multi-location businesses
Real estate investors
Medical practices, construction firms, logistics providers, and more

ROK isn't a one-size-fits-all shop. It's a strategic funding partner with the reach, relationships, and execution power of a private capital firm — made accessible to small businesses.

Section 9: Who Qualifies for a Working Capital Loan — Approval Requirements, Docs & Pre-Funding Checklist

Qualifying Doesn't Mean “Perfect Credit” — It Means Smart Preparation

Most business owners wrongly assume they won't qualify for funding unless they've been in business for years, have excellent credit, or already have bank relationships. ROK Financial flips that model on its head.

By leveraging its 75+ lender ecosystem and revenue-focused underwriting models, ROK has made it possible for small business owners to access funding with flexible requirements, including:

Minimum Qualifications for ROK's Working Capital Programs

To be considered for a working capital loan or merchant cash advance, applicants should generally meet these benchmarks:

Time in Business: At least 6 months (3 months for select programs)
Monthly Revenue: At least $10,000 in gross business deposits
FICO Score: 500+ (higher scores receive better rates/terms)
Bank Activity: Consistent business bank account with minimal NSFs/overdrafts
Industry Type: Most industries accepted, except restricted categories (e.g., firearms, gambling, adult, cannabis)

These are not rigid rules. ROK's advisors will work to find a lender match even if you're slightly below these numbers — especially if you show strong recent performance.

Documents Needed for Fastest Approval

Being prepared with documentation speeds up the funding timeline and improves the quality of the offer. Here's what you'll want to prepare in advance:

Business Bank Statements: Minimum 3 months (6+ recommended for larger loans)
Driver's License or State ID
Voided Business Check
Completed Application (sent digitally via ROK's secure portal)
Business Tax ID (EIN)

For higher funding tiers (e.g. $250K+), lenders may also request:

Year-to-date Profit & Loss statement
Business debt schedule
Copy of lease or business license
Previous year's tax return

What Lenders Look for in Your Application

To get the best offer, here's what matters most in today's underwriting:

Stable Cash Flow: Lenders prefer consistent daily/weekly deposits over occasional large spikes.
Multiple Deposits Per Month: Shows diversified income, not reliance on one client.
Low Negative Days: Banks want to see positive balances throughout the month.
No Recent NSFs/Overdrafts: Clean bank behavior matters as much as credit.
Business Purpose for Funds: Be specific — growth, equipment, marketing, expansion, etc.

Fast Funding Checklist — What to Do Before You Apply

To improve your odds and speed, make sure to:

Use a business bank account only for revenue and expenses. Personal accounts raise flags.
Review your last 3–6 bank statements for significant dips, NSFs, or red flags — fix what you can.
Prepare a specific use case for your funds. “Working capital” is a generic term — lenders appreciate clarity and specificity.
Consolidate multiple accounts if your revenue is split between banks. Lenders may reject unclear cash flow.
Get your documents ready (see list above) and avoid delay by uploading all at once.

Bonus: ROK's Prequalification Advantage

ROK allows business owners to pre-qualify with zero impact on credit, so you can explore offers without triggering hard inquiries. Their internal advisors filter out mismatches, present only viable options, and guide you through underwriting from start to funding.

This makes them ideal for business owners who want real offers, not generic auto-quotes or lead-gen spam.

Section 10: Final Considerations, ROK's Reputation, and How to Apply Now

Why Thousands of Business Owners Trust ROK Financial

In a sea of unreliable lenders, pushy brokers, and confusing requirements, ROK Financial stands out as a true partner in small business success. With a national reputation for transparency, speed, and flexibility, ROK has built one of the most robust and respected alternative funding platforms in the U.S.

Here's why business owners keep coming back:

75+ Funding Partners Across All Industries
In-House U.S.-Based Advisors — Not Outsourced Brokers
Same-Day Funding on Qualifying Applications
Customizable Offers — MCA, Term, SBA, Equipment, and More
No Cost to Apply. No Obligation to Accept.

Whether you're seeking a short-term working capital boost or a multi-year funding solution, ROK offers the flexibility of fintech with the personal touch of a trusted advisor.

How to Apply — 3 Simple Steps

Step 1: Pre-Qualify in Minutes

Start with ROK's short online application. No impact on your credit score.

Step 2: Upload 3–6 Months of Bank Statements

More data = better offers. Statements are used to match you with real-time funding options.

Step 3: Get Matched and Funded Fast

Review personalized offers and choose the best fit. Many businesses are funded in 24–72 hours.

Related Resource:

Want to see all the ways ROK Financial can support your business?

Read our complete ROK Business Funding Services Overview to explore every loan product, partner tier, and revenue program available.

Don't let cash flow hold you back.

Apply for Working Capital Through ROK Financial Today — Funds in 1–3 Days, No Upfront Fees.

Final Thoughts: Is a Working Capital Loan Right for You?

If your business is generating $10,000/month or more and you've been operating for at least 6 months, there's likely a working capital solution available for you — even if banks have turned you down in the past.

Fast working capital is about timing your growth, not waiting for perfect conditions. With ROK, you can unlock flexible funds when you need them most — without giving up equity or waiting weeks for approvals.

Disclaimers & Terms

This article is for educational and informational purposes only and does not constitute financial or legal advice. Independent lenders make all funding decisions based on their underwriting criteria. Approval is not guaranteed. ROKFI LLC is not a bank and does not directly issue loans. Use of the ROK Financial platform is subject to their Terms of Use and Privacy Policy. Always consult a licensed financial advisor or CPA before making funding decisions.

Marketing by Kevin is a participant in the ROK affiliate program. If you apply through links on this site, we may earn a commission at no additional cost to you.