Funding for wholesalers and distributors
You pay the supplier before the container ever leaves the port, then you pay the freight and the customs bill just to take delivery of it. It sits in your warehouse as pallets, then it leaves as invoices on your customer's terms, and it is your money the whole time. You can have a warehouse full of product and nothing to spend.
Food service distribution · Building materials · Auto parts · Janitorial and sanitation supply · Industrial and MRO supply · Beverage distribution · Import and export
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.
Accounts receivable financing leads here. It advances against the invoices already showing on your aging report, and it rests on that report and your active customer list rather than on a credit score. Working capital sits alongside it for the container you paid for long before it landed.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
A line of credit is approved on your profile, not on the aging report, and it is the one to reach for when your supplier will take something off the invoice for paying early. You draw for the buy, pay it down as the pallets turn, and interest applies to the drawn balance.
Typical: 6+ months in business · 600+ FICO for a line of credit
What sits in the warehouse counts here: racking, forklifts, refrigeration, the delivery fleet. The next forklift can be financed without a large amount down, and the ones already paid for can be used as collateral, so a busy floor is worth more than it looks on a balance sheet.
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 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
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 wholesalers and distributors because a bank sets the repayment date before you have sold a thing, and a pallet moves when the customer is ready, not when the payment is due.
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.