What annual sales do I need?

This channel lists $500,000+ in annual gross sales, plus a receivables aging report.

Is there a credit minimum?

No stated minimum FICO on this channel — qualification leans on your receivables and customers' creditworthiness.

How is this different from factoring?

A/R financing advances against receivables you still collect; factoring sells invoices to a factor who collects from your customers.

How much can I advance?

It's a percentage of eligible receivables, varying by partner and customer credit. We'll confirm during your review.

Will my customers be contacted?

In financing, customers typically pay you as normal. We'll clarify the structure before you commit.

What if a customer doesn't pay?

It depends on the structure — recourse vs. non-recourse. We'll explain the terms for your program.

Business Funding

Accounts Receivable Financing

Advance cash against outstanding receivables.

Accounts receivable (A/R) financing advances cash against your outstanding receivables, turning unpaid customer invoices into working capital. It's suited to B2B businesses with creditworthy customers and meaningful annual sales. Qualification leans heavily on the strength of your receivables and your customers' creditworthiness rather than your own credit alone.

Explore Receivables Financing Help Me Find the Right Fit Call 877-315-5729

Minimum Requirements & Program Details

These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.

ROK Accounts Receivable Financing

ROK partner channel

Minimum credit: No stated minimum FICO on this channel
Annual gross sales: $500,000+
Time in business: Program-specific—request a funding review
Financing amount: Program-specific—request a funding review
Term / structure: Advance against eligible receivables

Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.

Common uses

Smoothing cash flow when customers pay slowly
Funding growth tied to outstanding receivables
Covering payroll and operations while awaiting payment
B2B businesses with strong customer credit

When it fits

Your customers are creditworthy businesses
You have meaningful annual receivables
You need cash faster than your customers pay

Consider instead

How it generally works

1You share an aging receivables report.
2A partner advances a percentage of eligible receivables.
3Your customers pay; the advance is settled.
4The balance (minus fees) is released to you.

Factors funding partners may consider

Annual gross sales
Customer creditworthiness
Receivables aging and concentration
Your industry and customer mix

Documents to prepare

We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.

Initial Review

Aging accounts-receivable report
Signed application

Additional Underwriting & Closing

Sample invoices
Customer creditworthiness details
Business bank statements

Curious whether this fits your situation?

Request a review — we'll confirm fit and suggest alternatives if another product suits you better.

Explore Receivables Financing

Illustrative scenario

A B2B services firm with $500,000+ in annual sales advances against outstanding receivables to cover payroll while customers pay on 45-day terms. Actual advance rates and terms depend on the partner and customers.

How it compares to related products

vs. Invoice Factoring

A/R financing typically keeps you collecting from customers; factoring sells invoices and the factor collects.

Learn more

vs. Line of Credit

A/R financing is tied to specific receivables; a line is general-purpose and reusable.