# Black Rok LLC vs Merchant Fund Express

URL: https://merchantfundexpress.com/compare/mfe-vs-black-rok/
Published by Merchant Fund Express. Black Rok facts from blckrok.com, checked October 15, 2026.

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.

- When Black Rok makes sense: Black Rok may suit an owner who wants several lenders to call with competing offers and has time to sort through them.
- When MFE makes sense: 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.

## Side by side
| | 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 |

## You have a proposal with the Black Rok name on it
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.

Apply with MFE: https://merchantfundexpress.com/current-application.html