FAQs
Frequently Asked Questions
Most Alberta businesses qualify for a loan from Rocky Ridge Funding if they have been operating for at least 6 months, generate $10,000 or more in average monthly revenue, and have an active Canadian business bank account. We use a cash-flow-first underwriting model, meaning your real monthly revenue and repayment capacity carry more weight than your credit score alone. Apply online for a free, no-obligation assessment in under 5 minutes.
Yes. Rocky Ridge Funding evaluates Alberta businesses from as little as 6 months of operation. We assess your actual monthly revenue, customer contracts, and cash flow strength, not just your operating history. Many businesses that cannot qualify at traditional banks due to limited operating history have secured financing through Rocky Ridge Funding.
Most Rocky Ridge Funding applications require: 3–6 months of business bank statements, a completed online application form, and basic business information (business name, operating address, industry, and monthly revenue). Depending on the loan type and amount, we may also request recent tax returns or a summary of existing business debts. We aim to keep documentation requirements minimal — your bank statements tell us most of what we need.
Yes. Rocky Ridge Funding works with self-employed Alberta business owners, sole proprietors, and incorporated businesses. We understand that self-employed income is often reported differently on tax returns, so we evaluate your actual business bank account cash flow, not just your T4 or NOA. If your business generates consistent revenue, you can likely qualify regardless of your employment structure.
Yes, a bank rejection is not the final answer. Rocky Ridge Funding uses a different underwriting model than traditional banks. We evaluate your full business cash flow, monthly revenue, and repayment capacity — rather than applying rigid credit score thresholds or requiring years of audited financial statements. Over 70% of our clients have been declined by at least one major bank before finding a financing solution with Rocky Ridge Funding.
Rocky Ridge Funding finances businesses across 28+ industries in Alberta, including construction, trucking, restaurants, retail, plumbing and HVAC, oil and gas, manufacturing, distribution, veterinary, medical, fitness, technology, e-commerce, cannabis retail, forestry, mining, and more. If your Alberta business generates consistent revenue, we likely have a financing solution for you, regardless of industry.
Most Rocky Ridge Funding loan products require a minimum average monthly revenue of $10,000 for Alberta businesses. Some products, including revenue-based financing and invoice financing, may be available to businesses with lower monthly revenue depending on cash flow consistency and loan amount. Contact Rocky Ridge Funding for a free assessment of your specific business profile.
Rocky Ridge Funding's business loan rates are personalized based on your Alberta business profile, loan type, loan amount, term length, and repayment capacity. Rates are always disclosed fully and in writing before you sign anything, no hidden fees, no bait-and-switch pricing. To get an accurate rate for your specific situation, request a free, no-obligation quote from Rocky Ridge Funding today.
No. Rocky Ridge Funding is committed to full transparency on all loan costs. Before you accept any offer, we provide a complete breakdown of your interest rate, total cost of borrowing, origination fee (if applicable), and repayment schedule. There are no hidden fees and no surprise charges. What you see in your offer document is what you pay.
