Funding for professional service firms
What you sell is hours, and an hour sits unbilled from the minute it is worked until somebody writes it up. The retainer runs out before the job is done and the work does not stop, so the file keeps growing with nothing invoiced against it. That is finished work you cannot spend.
Accounting and tax · Law firms · Insurance agencies · Real estate brokerage · Bookkeeping and payroll · Engineering and architecture · IT and managed services
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.
The deposits in the account back working capital, and invoices already sent to business clients can be advanced against. Either way, billed work turns into money before the client's terms are up, and neither product has a score minimum.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
The line is approved on your credit profile. You draw against it to carry a new hire through the months before their work collects, then pay it down when the billing catches up. Only the part you have drawn carries interest.
Typical: 6+ months in business · 600+ FICO for a line of credit
There is less iron in a firm than in a shop, so this is the narrowest of the three paths here. It still reaches servers, workstations and the phone system, and if the need is bigger than the line, office equipment the firm owns outright can secure it.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
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 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.
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 accounting, legal, insurance and real estate firms because your whole balance sheet is people and a client list, and a bank would rather lend on a building.
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.