Funding for trucking and transportation
The fuel card, the tolls and the driver all get paid while the load is still rolling. You get paid after the paperwork clears on the other end, and it never happens the other way around. A lane offered to you this morning should not hinge on what cleared last week, and some options fund the same day.
Owner-operator · Dry van and reefer · Flatbed and hotshot · Box truck and last mile · Dump truck · Towing and recovery · Courier and moving
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.
Two products sit on this path. Working capital is sized on the deposits in your account, and accounts receivable financing turns a load you have already delivered into money now, instead of money on the terms you gave the broker. Neither one sets a minimum credit score.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
This path is judged on your profile rather than on your deposits. You pull from a line when a set of tires or a blown engine lands in the middle of a good week, and you pay interest on what you pulled. A month you never touch it is a month it costs you none.
Typical: 6+ months in business · 600+ FICO for a line of credit
A tractor, a trailer or a reefer unit is the collateral here, whether you are buying the next one or borrowing against one that is already paid off. Equipment is the one product with no minimum time in business, which matters when the authority is still new.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. 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.
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 carriers and owner-operators because a bank counts the truck note as debt and counts the load on your trailer as nothing until it pays.
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.