SBA loans
Explore government-backed loan programs for eligible businesses planning their next chapter.
Opulence business funding • Powered by possibility
BIG VISION.
SMART
FUNDING.
YOUR NEXT
LEVEL.
Put your next business move in motion. Explore small business loans and flexible financing through our partner, ROK Financial.
Quick online application. Personal guidance. More possibilities.
Capital with a purpose
What is a
small business loan?
A small business loan provides capital for business expenses, with repayment over an agreed period. It can help you purchase inventory, hire a team, invest in equipment, or take the next step toward expansion.
Every business has a different rhythm. Alongside traditional loans, our financing partner offers options designed around cash flow, assets, and revenue. We help you explore a path that fits your next move.
Let’s explore your options ↗Let’s talk qualifications
Your business.
Your momentum.
Your possibilities.
Here’s a starting point for exploring financing. Some programs require a longer operating history, higher revenue, or stronger credit.
See what may be available
4+
Months in business
Some financing options consider businesses operating for as little as four months.
$10K
Monthly gross sales
A starting revenue guideline for some programs, equivalent to $120,000 in annual gross sales.
660
FICO for many loan options
ROK lists a 660 minimum for small business loans. Select alternative programs accept applications without a minimum FICO requirement.
Less-than-perfect credit? Let’s explore your options. Credit requirements depend on the program; applying does not guarantee an offer or approval.
The Opulence standard
Big-business energy.
Personal-business attention.
Service that earns your trust.
A focus on thoughtful guidance, clear communication, and understanding the business behind the application.
Technology that moves.
An online application and a technology-first partner help move your financing search forward.
Options that make sense.
Explore available offers with an advisor to find an amount and structure aligned with your goals and qualifications.
Clarity before commitment.
Review the total cost, fees, payment schedule, and terms before you accept an offer. Ask questions until the details are clear.
Your next move, simplified
Three steps.
A world of possibility.
A simple start, a real conversation, and a clear path to the next step.
Apply online.
Set aside a few moments to get started with our partner’s secure online application. Instant pre-approval may be available for eligible applicants; additional information may be required.
Review your options.
A dedicated loan advisor will discuss financing available to your business, explain the terms, and help you compare your next moves.
Receive your funds.
For select programs, underwriting can take just a few hours and same-day funding may be available. Eligible businesses may receive funds in as little as 24 hours after approval and required documentation.
Pre-approval is conditional. Final approval and funding depend on underwriting, completed documentation, lender requirements, and bank processing. SBA and commercial real estate financing generally take longer.
Before your next move
A little clarity.
A lot of confidence.
Here’s what to know before exploring your funding options.
Can I apply with less-than-perfect credit?
Yes, you can explore programs for a range of credit profiles. ROK lists a 660 FICO minimum for its small business loan options, while select alternative programs have no minimum score to apply. Each provider makes its own approval decision.
Does the application take 15 seconds?
You can begin in moments. Completing the full application and any supporting documents takes longer and varies by business. Having your business details and recent bank statements ready can help.
How quickly can I receive funding?
Some eligible businesses may receive same-day funding or funds in as little as 24 hours after approval and required documentation. Timing varies by product, underwriting, and bank processing; it is not guaranteed.
Who provides the financing?
Opulence Financial Solutions partners with ROK Financial to connect business owners with financing options. Financing is provided by participating third-party providers, subject to their terms and approval criteria. Opulence does not make lending decisions.
Is pre-approval a final approval?
No. A pre-approval is an initial, conditional assessment. A provider may require further review, verification, or documentation before making a final offer.
Make your next move an Opulence move
You built the vision.
Let’s explore the funding.
From your next equipment purchase to your next growth opportunity, discover what may be available for your business.
Apply for business fundingIn partnership with ROK Financial • Online application opens in a new tab