Funding Access Platform Espanol

Business funding · all three paths

Your money goes out on your schedule. It comes in on somebody else's.

Payroll is Friday whatever the customer does. Stock, fuel, materials and rent land before the invoice clears. That gap is the same in eleven different trades, and there are three ways to close it. Most owners only know one.

See what you qualify for 15 seconds · no credit impact · no cost

Our funding partner, ROK Financial

4.7/5
Trustpilot
1,000+
Reviews
A+
BBB accredited
$2B+
Funded
These are ROK Financial's figures, not ours. Verified September 2026: 4.7 on Trustpilot from 1,109 reviews, BBB accredited A plus since 2020, and over two billion dollars funded per ROK's August 2025 Inc. 5000 announcement. Each figure links to its source.

Sound like your month?

Find your trade.

Eleven industries, the same three paths. Pick yours and the page speaks your numbers.

Roofing→Materials on the roof before the draw or the insurance check clears. Construction→The GC holds retainage on work your crew already finished. Trucking→A blown tire on Tuesday does not wait for Friday's settlement. Restaurants→Money arrives one table at a time, the food bill all at once. Retail→You buy a whole season on a guess and wait months to find out. Auto Repair→Your parts room is stocked with money you cannot bill yet. Healthcare→Getting paid for the visit takes far longer than the visit did. Manufacturing→A purchase order is a reason to buy steel, not money in the bank. Wholesale and Distribution→Every pallet on the rack is money you already spent. Salons and Barbershops→An empty chair costs the same as a full one. Professional Services→Your staff already worked the hours you are still waiting to collect.

There are only 3 ways a business borrows money.

Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.

1

On your revenue

Working capital against the deposits already moving through your account. It is the fastest route and the only one with no minimum credit score, because it is underwritten on your revenue rather than your FICO.

Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score

2

On your credit

Lines of credit and term loans on the strength of your profile. A line charges interest only on what you draw, which fits a business whose gaps come and go.

Typical: 6+ months in business · 600+ FICO for a line of credit

3

On what you own

Equipment, vehicles and property you already own can secure financing, or new equipment can be financed with little to nothing down.

Typical: 580+ FICO · no minimum time in business for equipment

Ten ways to fund a business.

The full criteria for each one, including what you have to send, are on the funding options page.

Working Capital
Same day funding
No minimum FICO
Accounts Receivable Financing
Funding in as little as 2 days
No minimum FICO
Franchise Financing
Funding in as little as 2 days
No minimum FICO
Business Line of Credit
Same day funding
600+ minimum FICO
Term Loans
Funding in as little as 1 to 3 days
660+ minimum FICO
SBA Loans
Approved in 24 to 48 hours
675+ minimum FICO
Equipment Financing
Funding in as little as 2 days
580+ minimum FICO
Commercial Real Estate Financing
Potential for income generation
Down payment
Fix and Flip Financing
Rates starting at 8.99 percent
3 successful flips in the last 36 months
Residential Investment Property Financing
Funding in as little as 20 days
650+ minimum FICO
See all ten funding options

Takes 15 seconds

Start your file.

Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.

Funding Access Platform is not a lender and makes no credit decisions. We are an independent referral partner and are paid by ROK Financial. We never charge you a fee.

When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy

✓4+ months in business✓$10K+ monthly sales✓Rough credit? Still options.

Who you're dealing with.

We're Funding Access Platform, an independent funding referral service. We work with owner-operated businesses because they get the worst of the banking system: uneven books, seasonal swings, and underwriters who have never done the work.

We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.