Rockstone Lending is a small-business funding broker in Yuma, Arizona, not a lender. Its process has four steps: you tell Rockstone about your business by phone, in person or online; Rockstone reviews options with lending partners; a partner evaluates the application, makes the credit decision and sets the terms; and you decide whether to accept. Start by calling (928) 436-5545 or applying online.
What does a business funding broker do?
Rockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms. A broker is a go-between. As a business loan broker in Yuma, Arizona, we don't lend our own money, approve or decline applications, or set pricing. What we do is learn what your business needs, explain the funding types that could fit, and put your request in front of lending partners that offer them.
That arrangement has practical consequences. No one at Rockstone Lending can promise an approval, an amount or a cost. Only a partner can make an offer, and any offer is between your business and that partner.
Step 1: Tell us about your business
Call (928) 436-5545, come by our office at 360 W 20th St in Yuma, or complete the online form on our application page. The form asks for:
- Your full name
- Phone number and email
- Company name
- Time in business
- Annual revenue
- The amount you are requesting
It does not ask for your Social Security number, bank account numbers or bank statements. The form also contains a consent statement about how you may be contacted; read it before you submit.
It helps to know what the money is for. "Expanding the kitchen" or "covering payroll until a contract pays" tells us far more than a number on its own.
Step 2: We review options with lending partners
Rockstone Lending follows up using the contact details you provide to talk through your request: what the funding is for, how and when you expect to repay it, and which products are worth exploring. A working capital gap, a planned expansion, an equipment purchase and a card-heavy retail business each point in different directions.
We then take your request to lending partners that offer the products that fit. Each partner sets its own requirements, so if a partner needs more information, we'll tell you what it is asking for.
Step 3: A partner evaluates your application and decides
The lending partner runs its own process. Depending on the product, that can include its own application, document requests, identity verification and a credit check. The partner decides whether to make an offer and sets the amount, cost, repayment structure and other terms. A partner may also decline. There is no guarantee of approval.
If a credit inquiry is part of the partner's process, the partner is the right party to explain what kind of inquiry it is and how it may affect your credit. Ask before you authorize it. Credit is only one of the things partners weigh; read how partners look at credit.
What underwriting means
Underwriting is the partner's review of your request: the work behind the decision in Step 3. An underwriter, the partner's credit analyst, reads your bank statements and financial records, confirms identity and ownership, may review credit, looks at existing debts and collateral, and weighs all of it against the partner's own criteria. The result can be an offer, a request for more information or a decline.
Rockstone Lending does not underwrite and is not the decision-maker. For what partners look at when they set an amount, see how much business funding you can get.
Step 4: Read the offer and agreement before you sign
An offer is not an obligation. Before accepting, make sure you understand:
- The total amount you will repay or deliver, not only the payment amount
- How often payments are taken, and how (automatic debit, invoice or card split)
- Every fee, including origination, draw, late-payment and prepayment terms
- Collateral, liens and any personal guarantee
- What counts as a default, and what happens then
- For a merchant cash advance: that it is not a loan, and how reconciliation works
If anything is unclear, ask the partner to explain it in writing, and consider having your accountant or attorney read the agreement. Our checklist of questions to ask before you sign explains each point, and the business funding glossary defines the terms you'll see.
Documents partners commonly request
Every partner sets its own list, and it depends on the product and the size of the request. Most requests draw on the same core records: recent business bank statements, tax returns, a profit and loss statement and balance sheet, formation documents, ID for each owner and a list of existing debts, plus an equipment quote or card-processing statements where they apply. Our full documents checklist explains each one and what partners look for in it.
Ask how documents will be transmitted before you send them, and avoid sending sensitive documents by ordinary text message.
Your information and how it is shared
The information you submit is used to respond to your request and is shared with lending partners as described in our privacy policy. Text messages are covered by our SMS terms; reply STOP to any text to opt out of further texts.
More questions?
Our business funding FAQ covers the products, applying and what happens after you apply, and our guides and calculators go deeper on documents, credit and comparing offers. Or call (928) 436-5545 and ask.
By Rockstone Lending · Updated
