Rockstone Lending is a small-business funding broker in Yuma, Arizona, not a lender: it connects businesses with lending partners, who make credit decisions and set rates and terms. This FAQ answers common questions about working capital, term loans, lines of credit, equipment financing and merchant cash advances, which are not loans, plus applying and what happens next. Other questions: call (928) 436-5545.
About Rockstone Lending
Is Rockstone Lending a lender?
No. Rockstone Lending is a small-business funding broker. We connect you with lending partners; partners make credit decisions and set rates and terms. Our disclosures explain the relationship in full.
Why is "Lending" in your name if you're not a lender?
It is our brand name. What we do is broker business funding: we help you understand your options and connect you with partners who lend or fund. The credit decision and the terms always come from the partner.
Where are you located?
Our staffed office is at 360 W 20th St, Yuma, AZ 85364. You can reach us at (928) 436-5545. Get directions on Google Maps.
Who are your lending partners?
Our partners are the lenders and funders that provide the money and make the credit decisions. Which partner sees your request depends on the product and your business details. If a partner makes you an offer, its name will be on the offer and on the agreement you sign.
Funding options
What is the difference between working capital, a term loan and a line of credit?
Working capital loans cover short-term operating gaps. Term loans deliver one lump sum for a planned investment, repaid on a fixed schedule. A line of credit lets you draw, repay and draw again up to a limit. Our business loans overview compares them side by side.
When does equipment financing make sense?
When the money is for a specific piece of equipment. Equipment financing can be a loan or a lease, and the equipment usually secures the deal.
Is a merchant cash advance a loan?
No. A merchant cash advance is a purchase of part of your future receivables. The funder collects a share of your sales until the purchased amount is delivered. Its total cost can be high, so compare it with loan options first.
Do you arrange personal, title or payday loans?
No. Rockstone Lending works on small-business funding only: working capital, business term loans, business lines of credit, equipment financing and merchant cash advances. We do not arrange personal, auto title, payday or any other consumer loans.
Can you tell me what my funding will cost?
No. Pricing and terms are set by the lending partner after it evaluates your application, and we don't publish or estimate them. When you get an offer, compare the total amount you will repay or deliver, not only the payment.
Guides and calculators
How do I get a business loan in Arizona?
Get the business registered and licensed, organize your financial records, match the funding type to what the money is for, then compare every offer on total cost. Our guide on how to get a business loan in Arizona walks through each step, with Yuma and Arizona offices that can help.
What documents do I need for a business loan?
Each partner sets its own list, but most draw on bank statements, tax returns, financial statements, ownership and registration records, and documents showing what the money is for. See what documents you need for a business loan.
Can I get business funding with bad credit?
It depends on the partner, the product and the rest of your business's finances, and no one can say before a partner reviews your application. Read what lending partners review besides credit.
Can a new business get funding?
Some lending partners consider newer businesses; it depends on the partner and on what you can show. Our guide to funding a new business explains what to prepare.
How does a merchant cash advance compare with a loan?
An MCA is not a loan. Its cost is fixed at signing by a factor rate, and it is collected as a share of sales rather than in installments. See merchant cash advance vs. loan for the full comparison.
How do SBA loans compare with other options?
SBA loans are made through SBA-participating lenders. Rockstone Lending is not an SBA lender and does not arrange them. Our guide to SBA loans vs. other business funding explains the programs in general terms.
How can I check the payment or cost of an offer?
Use the business loan payment calculator, the merchant cash advance cost calculator or the equipment payment calculator. They do arithmetic on numbers you enter and are not quotes. Every guide and tool is listed on our resources page.
Can I use business funding to pay myself?
Paying yourself a salary that is part of the business's normal operating costs is different from taking loan proceeds out for personal use. The agreement's terms on how the money may be used govern; see what a business loan can be used for, and ask your accountant how owner pay should be handled.
Can an LLC or a sole proprietor apply?
Yes. Partners weigh revenue, time in business and credit more than structure. Our guide to funding for LLCs and sole proprietors explains what each structure is asked for.
Where can I look up a business term I don't know?
Our glossary of business funding terms defines words such as UCC lien, factor rate, covenant and balloon payment, with links to fuller guides.
Do you have information for my industry?
We have pages for contractors and construction businesses, restaurants and food service, medical and dental practices and businesses financing inventory. The industry financing overview compares them.
Applying
What information do I need to get started?
Our short form asks for your name, phone, email, company name, time in business, annual revenue and the amount you are requesting. Lending partners may ask for more later, such as bank statements or tax returns; how it works lists the documents partners commonly request.
Does applying affect my credit?
Submitting our form does not ask for permission to check your credit. If a lending partner checks credit as part of its own application, the partner will explain what kind of inquiry it makes. Ask before you authorize it.
Does submitting an application mean I'll be approved?
No. There is no guarantee of approval. Each lending partner makes its own decision and sets its own terms.
Can I apply by phone or in person?
Yes. Call (928) 436-5545, or come to 360 W 20th St in Yuma.
After you apply
Who will contact me?
Rockstone Lending will follow up using the contact details you provide. If your request goes to a lending partner, that partner may also contact you, as described in the consent statement on the form.
Do I have to accept an offer?
No. You decide whether to accept any offer. Read the whole agreement first, and ask questions about anything unclear.
How do I stop text messages?
Reply STOP to any text from us to opt out of further texts. Reply HELP for help. Our SMS terms have the details.
How is my information used and shared?
It is used to respond to your request and shared with lending partners as described in our privacy policy.
How do I update or withdraw my request?
Call us at (928) 436-5545 or visit our contact page.
By Rockstone Lending · Updated
