How it works
Apply in about ten minutes, send the documents you have, and read every term before you sign anything.
Start to offer
An example application, start to offer. After that, the agreement, the payment schedule, documents and messages all live in your portal.
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You tell us about the business and the equipment.
About ten minutes. Save at any point and finish later from the link we email you.
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You send bank statements, now or later.
Three months of business bank statements. If they aren’t to hand, the application goes in without them.
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We review it and send an offer, in writing.
A person at Rock Solid reviews the file and may ask for more. Any offer is made in writing.
Every stage
From the application to the last payment, and what your portal shows at each step.
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Apply
Tell us about the business, its owners and the equipment. About ten minutes; it saves as you go, and the link we email lets you finish later.
In your portal: “Application started”
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Documents
Upload the bank statements and the seller’s quote, or choose “Later” and use the secure link we email you.
In your portal: “Application received: documents needed”, then “Application received”
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Review
A person at Rock Solid reads the file: the business, its statements, the owners’ credit and the equipment. If something is missing, we ask for it.
In your portal: “Under review”, or “Information requested” when we need something
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Offer
The amount, the payment, the term, the deposit and any conditions, in writing. If a partner lender would fund it, the offer names the partner.
In your portal: “Approved terms available”, or “Offer available / conditions remaining”
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Signing
When the offer suits the business, sign it electronically. Nothing binds the business until it is signed.
In your portal: the agreement, to read before you sign
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Funding
Once the agreement is signed and any conditions are met, the seller is paid directly. You arrange delivery with the seller.
In your portal: the date the seller was paid
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Payments
Pay on the dates the agreement sets. Questions about a payment go to the same people who handled the application.
In your portal: the schedule, every payment made, and what comes next
What to have ready
About ten minutes with these to hand. The seller’s quote and the bank statements can follow.
In the application
- The business
- Legal name, EIN, address
- Time in business
- Years, and a contact
- Each owner
- Name, title, share
- Owner details
- Date of birth, home address
- The equipment
- New or used, seller, price
Now or later
- Bank statements
- Three most recent months
- The seller’s quote
- PDF or a clear photo
Choose “Later” in the application and it goes in without them. We email you a secure link to send them.
A Social Security number only where the review needs it.
What we finance
Machines a stone shop runs on, new or used.
Ask about a machineFair questions
All questionsHow long does the application take?
About ten minutes with the details to hand. It saves as you go, and the link we email you lets you finish later on any device.
Can I apply without bank statements?
Yes. Choose “Later” at the documents step and the application goes in without them. We email you a secure link to upload them, and a person from Rock Solid follows up. Most offers need them, so send them when you can.
How long does a decision take?
It depends on the request and how complete the file is; a complete application with statements moves fastest. We don’t promise a time. Your portal and our emails show where it stands.
Does applying affect my credit?
The application asks your permission before we check credit, and says what we check: business credit reports, and a consumer credit report on each owner who signs. If you would like to know more before you start, ask us.
How is the seller paid?
Once the agreement is signed and any conditions in the offer are met, the seller is paid directly, by Rock Solid or by the partner that funds it. You arrange delivery with the seller.
Solid terms, in writing.
Apply in about ten minutes. Bank statements can follow, and a person from Rock Solid follows up.