A mold restoration contractor was in a healthy growth phase and looking to take on larger jobs without letting receivables timing slow things down. The business was well-run, the pipeline was strong, and the ask was specific: working capital to keep jobs moving while waiting on payments to come in. Fora Financial delivered exactly what was needed, the same day.
Vision
The merchant’s goal was continued expansion. With a solid operational base already in place, the focus was on scaling up to larger jobs and building a business capable of handling more volume. Working capital that could bridge the gap between completing work and collecting payment was the tool that would make that growth sustainable.
Opportunity
Larger jobs mean larger receivables, but also longer waits to collect. Securing working capital tied to accounts receivable let the business take on bigger contracts without worrying about cash flow stalling while invoices cleared.
Challenge
Receivables Lag
Mold restoration jobs are completed on the client’s timeline, but payment rarely follows immediately.
Growth Requires Spending
Taking on larger contracts means committing to more labor, equipment, and materials upfront.
Conventional Lenders Move Too Slowly
Traditional financing timelines are not built around the pace of a growing contractor.
How Fora Financial Helped
Fora delivered the exact amount requested, structured around how the business actually gets paid. The process was smooth. Same day funding meant no gap between approval and getting back to work. The contractor could keep adding jobs without waiting on outstanding invoices to clear first.
Results
Funded Same Day
The merchant received the full $98,800 the same day, with no delays between approval and access to funds.
Right-Sized Capital
The funding matched exactly what the merchant needed, covering the accounts receivable gap without over-leveraging the business.
Growth Continues
With working capital in place, the contractor was positioned to keep adding jobs and expanding the portfolio without cash flow acting as a brake on growth.
Conclusion
The merchant was extremely happy with the outcome. This was a straightforward deal for a strong business, handled efficiently and closed fast. Fora delivered the right amount, on the right timeline, with no unnecessary steps in between.
Why Fora Financial
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Reputation
The merchant had been receiving Fora Financial outreach for some time and knew the name. When the timing was right, Fora was the first call because the brand had already built credibility.
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Right Place, Right Time
Years of consistent marketing meant that when the merchant was ready to act, Fora was top of mind. The decision to reach out was an easy one.
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Speed and Simplicity
The experience matched what the merchant had heard. Fast approval, the exact amount needed, and same day funding with no unnecessary back-and-forth.