Black Rok LLC (blckrok.com) presents itself as a matching service that connects owners with lenders. Merchant Fund Express publishes its products, guidelines and contact details, and its team works your file directly. If you are holding a proposal with the Black Rok name on it, the most useful step is to identify who actually funds and services it before you compare it with anything else.
Compare My Funding Options →Black Rok may suit an owner who wants several lenders to call with competing offers and has time to sort through them.
MFE may suit you better if you want published guidelines before you apply, a single team handling your file, a phone number answered in English and Spanish, and products such as MCA refinance, equipment financing or invoice factoring.
"Not published" means the company's public site does not say. It does not mean the answer is no.
| Black Rok LLC | Merchant Fund Express | |
|---|---|---|
| What it is | A loan matching service; says it connects you with up to 5 of 300+ lenders | Business funding company with a published product menu and in-house team |
| Products | General loan types described; no own product terms published | Merchant cash advance, revenue-based funding, working capital loans, business lines of credit, equipment financing, invoice factoring and MCA refinance/buyout |
| Amounts | Not published | $5,000 to $5,000,000 |
| Credit | Not published | 500+ FICO considered; stronger credit usually means better offers |
| Time in business / revenue | Not published | MCA: often 3+ months. Working capital: often 6+ months. Line of credit: usually 1+ year. MCA: commonly from about $7,500 a month. Working capital and lines of credit: commonly from about $17,500 a month |
| Documents | Not published; each lender asks for its own | 3 to 4 months of business bank statements, ID, voided check and a short application |
| Repayment | Set by whichever lender funds you | Depends on the product: a share of sales or fixed daily/weekly debits (MCA), fixed schedule (working capital), interest on what you draw (line of credit) |
| Address on site | Wix template sample address; verify before signing | Miami, Florida; (305) 384-8391 |
| Speed | Not published | Same-day decisions are common on complete files; funding often follows the next business day |
MFE figures are planning guidelines from the requirements page, not approval promises. Every decision depends on your bank statements and application. For the full source list on Black Rok, see the Black Rok review.
An owner has received a $35,000 proposal by email from someone using the Black Rok name, and wants a second offer to compare it with. Before comparing prices, work through three things: who funds it (the legal entity named on the contract), who gets paid (the company named on the ACH authorization) and who services it (who you call if a payment bounces or you want to pay early). If the proposal does not answer all three, ask for them in writing.
Then put both offers into the worksheet below: net cash received, payment amount and frequency, total payback, and what happens in a slow month.
Two offers with the same headline amount can cost the same and still feel very different in a slow month. This example uses made-up numbers for illustration only. Neither column is a real offer from either company.
| Illustration | Offer A: fixed weekly payment | Offer B: share of sales |
|---|---|---|
| Headline amount | $50,000 | $50,000 |
| Fees taken at funding | $2,500 | $0 |
| Cash you actually receive | $47,500 | $50,000 |
| Total payback | $65,000 | $67,500 |
| Cost of the money | $17,500 | $17,500 |
| Payment, normal week ($25,000 sales) | $2,500 fixed, about 26 weeks | 10% of sales = $2,500, about 27 weeks |
| Payment, slow week (sales down 30%) | Still $2,500, now 14.3% of sales | $1,750, payoff stretches to about 39 weeks |
Both offers cost $17,500. Offer A puts more cash in your hand only if you overlook the fee, and its payment does not drop when sales do. Offer B costs the same but follows your sales. When you compare real offers, fill in the same seven rows. You can also use the offer comparison calculator and the payment burden calculator.
Short application, statements reviewed by a person, and the payback and payment explained before you sign. $5,000 to $5,000,000. Credit from 500 is considered.
Compare My Funding Options →Or call (305) 384-8391. English and Spanish.
Black Rok may suit an owner who wants several lenders to call with competing offers and has time to sort through them. MFE may suit you better if you want published guidelines before you apply, a single team handling your file, a phone number answered in English and Spanish, and products such as MCA refinance, equipment financing or invoice factoring.
Black Rok LLC (blckrok.com) presents itself as a matching service that connects owners with lenders. Merchant Fund Express publishes its products, guidelines and contact details, and its team works your file directly. If you are holding a proposal with the Black Rok name on it, the most useful step is to identify who actually funds and services it before you compare it with anything else.
Compare the cash you actually receive after fees, the total payback, the payment amount and frequency, and what the payment does in a slow month. Equal headline amounts are not equal offers.
About this page. Merchant Fund Express publishes this page and offers competing business funding. MFE has no affiliation with Black Rok LLC. All facts about Black Rok LLC come from its own public website (blckrok.com), checked October 15, 2026, and link to the page they came from. Where its site says nothing, this page says "not published" rather than guess. Terms change, so confirm them with the company before you sign. Black Rok LLC and other names are trademarks of their owners. Spotted an error? Call (305) 384-8391 and we will correct it.