Funding for small manufacturers
You buy the raw material, you run the order, and the truck leaves the dock before your customer's terms even start counting. The supplier wants paying while the job is still riding on a trailer. You are financing your customer's terms out of your own account.
Metal fabrication · Machine shop and CNC · Plastics and injection molding · Food and beverage production · Printing and packaging · Furniture and millwork · Apparel and textiles
Our funding partner, ROK Financial
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.
Working capital can go straight into the material buy, and it leans on what the bank statements show instead of your score. Accounts receivable financing works from the other end, turning a run you have already shipped into cash before your customer's terms are up, and it does not ask about your score either.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
This one turns on your credit, not on the month you just had. A line funds the material for the next run and comes back down when the order pays, and you carry interest on the balance you drew and not a dollar above it.
Typical: 6+ months in business · 600+ FICO for a line of credit
This path treats a machine as what it is, collateral. A press or a machining center with no note left on it can be put to work twice, and a new one can go on the floor without much money down. Time in business is not a gate here.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your revenue
Cash against the money already moving through your bank account. It is the fastest option on this page and the one with no credit score floor, because it is underwritten on your deposits rather than your FICO. Use it for materials, payroll, rent or a job you need to start before you get paid for the last one.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your revenue
Borrow against invoices you have already issued but not yet been paid for. If your customers are other businesses on 30, 60 or 90 day terms, this turns that waiting period into cash now. No credit score floor, because the strength of the file is your customers paying, not your personal profile.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
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.
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
We're Funding Access Platform, an independent funding referral service. We work with small manufacturers and job shops because your money is in raw stock and half finished parts on the floor, and a bank will not lend against anything it cannot sell tomorrow.
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.