Fora Financial

What does Fora Financial offer?

Fora Financial offers a fixed term loan up to 18 months, a merchant cash advance repaid as a share of revenue, a line of credit from $5,000 to $100,000, and SBA loans. Total funding goes up to $1.5 million, which is high for this category. Fora is majority owned by Palladium Equity Partners and publishes more than $5 billion deployed to over 55,000 businesses, as a company figure. Its own products are built for speed, while the SBA option follows SBA timelines and rules.

Who does Fora Financial fund, and who do they decline?

Fora funds established US small businesses nationwide, with auto, construction, manufacturing, medical, restaurants, retail, services, transportation and wholesale named. Its published guidance is annual revenue above $240,000, and it describes its underwriting as credit flexible, meaning a lower score is not an automatic decline.

It does not publish decline criteria. Short terms with frequent payments need steady cash flow, so a seasonal business in its slow months should time the application carefully. Businesses under the revenue guidance or under a year old are less likely to fit; see financing under one year.

What does it typically cost and how fast is it?

Fora does not publish rates or fees; pricing is quoted per file. The term loan is usually quoted as a fixed total cost, the advance as a factor rate and the line as interest on draws, and the SBA loan under SBA caps. Convert the first two with our APR versus factor rate guide and compare with the typical ranges on our short term loan page. Funding speed is not published beyond a general claim of fast capital.

What will you need to apply?

For the term loan, advance or line, expect three to six months of business bank statements, your EIN and formation documents, owner ID and a recent tax return for larger amounts. SBA loans need the full package of tax returns, financial statements and personal financial statements. Our document checklist covers both.

How does Fora Financial compare with similar lenders?

Kapitus offers business loans and revenue based financing directly plus equipment financing and a network for SBA, lines, factoring and purchase order funding, so it covers more product types. Credibly funds working capital loans and cash advances itself and arranges the rest through partners. Fora's $1.5 million ceiling and published revenue guidance make it the clearest fit for a larger established business that wants one lender for a term loan or advance.

How to apply

Apply once on this site and matching shows whether Fora Financial, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.