Pink Rock purchases your future receivables — giving you capital based on what you already earn. No personal guarantee. No debt on your books. No hidden broker fees baked into your rate.
We built Pink Rock to move at the speed your business actually needs. No specialist callbacks. No stacks of paperwork. No waiting.
Connect your bank via Plaid or upload 3 months of statements. Tell us your story in one sentence. Done.
Our model scores your revenue instantly — trend direction, consistency, NSFs, stacking risk. You see your Pink Rock Score before any funder does.
Pre-qualified deal package sent to matched funders. Offers appear in your dashboard — advance amount, factor rate, holdback. Up to 3. Pick the best.
E-sign your MSA directly in the portal. Funder wires capital to your bank account — typically within 1 business day of signing.
Lendio charges your funder 10–15% per deal. That cost gets passed to you in your factor rate. Pink Rock eliminates the middleman — and built AI where Lendio uses humans.
Every feature was designed around one question: what does a small business owner actually need when they're trying to grow?
Our model scores 30-day, 90-day, and 12-month revenue trends. Detects NSFs, stacking risk, and seasonal volatility before any funder sees your file.
Kill shot vs LendioLendio charges funders 10–15% per deal. That cost flows directly into your factor rate. Pink Rock charges funders a flat access fee. Your rate stays clean.
Up to 3 offers displayed side-by-side. Advance amount, factor rate, holdback %, total payback, and estimated weeks to payoff — all in one view.
Upload once, reuse across advances. Bank statements, voided checks, and signed MSAs stored securely and accessible from your dashboard anytime.
Attorney-reviewed Merchant Sales Agreement auto-populated with your deal terms. Sign via DocuSign — court-admissible, envelope ID logged, all from your phone.
Connect your bank in 60 seconds via Plaid. 12 months of transaction history pulled instantly — no PDF uploads, no manual entry, no faxing statements.
The moment you submit, our AI scores your file and shows you your Pink Rock Score — before a single funder sees your application. Then offers come to you. No callbacks. No waiting by the phone.
"I applied on a Tuesday morning and had three offers by Wednesday afternoon. The AI score told me exactly where I stood before I even waited. Nothing like this exists anywhere else."
"I went through Lendio two years ago and paid through the nose. My accountant pointed out the rate difference when I refinanced through Pink Rock. The math doesn't lie — no broker fee means real savings."
"The fact that it's not a loan matters for my books. My CPA was thrilled. We're purchasing receivables — completely different treatment. Pink Rock explained it clearly and made the whole thing painless."
Three equal co-founders driving Pink Rock forward — each bringing deep expertise and a relentless focus on merchant success.
Sets company vision and strategy. External face to partners and press. Owns hiring, culture, and final decision-making across co-founder disputes.
Owns all technical architecture and product execution. Builds and maintains our platform. Leads engineering team and ensures systems are secure, scalable, and reliable.
Leads investor relations and fundraising. Defines product strategy based on market needs. Owns revenue, growth, and day-to-day operations.
Every merchant that reaches your inbox has already been scored by our AI. No raw files. No junk applications. Just pre-qualified, AI-analyzed deal packages — straight to your email.
AI scores every merchant before they reach you. Revenue trend, consistency, NSF count, stacking detection. You only see files worth reviewing.
Receive a branded deal package PDF by email. Submit your offer via one-click link. No account required. Works the way you already work.
Pink Rock charges funders a predictable flat fee — not 10–15% per origination. Lower cost of acquisition means you can offer better rates and win more deals.
Apply in 5 minutes. See your Pink Rock Score instantly. No personal guarantee. No broker fees. Not a loan.
Get your offer nowNo credit pull at application · Offers typically within 24 hours · $5K–$500K advance range