Get a Quick & Safe Small Business Loan

Fora Financial can provide loans up to $500,000 in as little as 72 hours from approval.

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Getting a small business loan is easier than you may think

Many business owners think that pursuing a loan is too time consuming. At Fora Financial, we realize that your time is precious. That's why we make our process short and simple.

A loan can benefit your business in ways that matter to you

No business is the same! While your business may require new equipment, another business might need to fill inventory orders. We provide the financing, and you choose how to use it!

Finding the right fit for your business

We know business loans aren't 'one size fits all.' With flexible requirements, amounts and terms that are customized for your business, you'll be able to find a loan that is tailor-made for you.

Learn about Business Loans

Fora Financial’s small business loan product is suitable for businesses in a variety of industries. Watch our quick video to learn more about how Fora Financial’s business financing can benefit your operations!

Business Financing to Fit Your Needs

Benefits of a Small Business Loan:

Working capital from $5K – $500K
Terms up to 15 months
Flexible Payments
Early payoff discounts
No personal guarantee
No collateral required
Free, no obligation quote

Small Business Loans Are Perfect For:

Use the Capital for Any of Your Business Needs – No Restrictions

Pay your taxes
Purchase Inventory
Upgrade Equipment
Hire Staff
Invest in Advertising
Expand Your Operations
Have Cash for Payroll
Pay for Renovation Costs

See what our customers are saying about us:

How to Get a Small Business Loan

Submit Our Quick Application

Complete our one-page application, submit three months of bank statements, and get approved within 24 hours.

Receive Capital Quickly

Funds get deposited directly into your business bank account in as little as 72 hours from approval.

Utilize Our Secure Portal

Monitor all transactions in real-time, using our state-of-the-art proprietary software.

Small Business Loan Requirements*

At least 6 months in business
$12,000 minimum in gross sales
No open bankruptcies

Get Started

*Meeting minimum requirements does not guarantee funding.

Small Business Loan Comparison

At Fora Financial, we pride ourselves on providing our customers secure, personalized business loans.

Want to see how we measure up to the competition? Check out the chart below:

	Fora Financial	Most Banks	Competitors
High Approval Rate
Perfect Credit Score Not Required
Early Payoff Discounts
Receive Financing Quickly
Minimal Paperwork Required
Renewal Benefits
Consultative Approach to Financing

Small Business Loan Details

At Fora Financial, we know each small business is not the same.

That’s why we don’t provide them with the same working capital! Our small business loans range from $5,000 to $500,000, so you’re guaranteed to receive an amount that works for your business’s needs. Plus, working capital can be in your business’s bank account in as little as 72 hours from approval. What’s not to love?

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Why Fora Financial Business Loans Stand Out

At Fora Financial, we want to see your business succeed. That’s why we make our business loan product flexible and personalized. Whether it’s terms up to 15 months or early payoff discounts as low as 10 cents on the dollar, our goal is to ensure that your business has the capital it needs. After receiving your financing, you’ll have unwavering support from our Customer Success Department, and access to our proprietary software. Then, if you need another business loan down the road, our Relationship Managers will be there to assist you every step of the way. Apply today and see why over 20,000 business owners have chosen us!

Fora Financial’s Customer Service Throughout the Loan Process

When applying for a loan for your business, you should expect to receive a personalized experience. And once you receive your loan, this attention to detail will continue. That’s what we strive to do here at Fora Financial. Throughout the entire financing process, you can rely on personalized attention from our staff. First, you’ll work with one of our knowledgeable Capital Specialists, who will be able to answer any questions you have about the application, approval and financing process. Once you receive your loan, you’ll also have access to our customer service team, who can provide you with information about your repayment process and connect you with one of our renewal representatives when the time comes for you to receive more financing.

Questions to Ask Yourself Before Applying For a Business Loan:

1. What will I use the loan for?

Prior to submitting your application, you should have a plan for how you will utilize the business financing. Do you have broken equipment that must be fixed, a need to meet payroll, or do you want to expand your business? Knowing how you want to use your working capital will help you determine how quickly you need it, how much your business requires, and the cost you’re comfortable paying. Luckily, we don’t restrict how to use your working capital – check out the section below to learn about the top uses of funds!

2. Do I have outstanding debt to pay off?

It is important to consider existing debt, whether it be from credit cards or previous loans. If you aren’t planning on using your funds for debt consolidation, it would be challenging to repay a new loan if you are already struggling to pay off other debts. That’s why if you still have a significant amount of debt left to pay off, we suggest waiting before you apply for a loan. You’ll likely feel more comfortable repaying a loan if you are not obligated to make other debt payments at the same time.

3. Do I fully understand the loan application?

Before submitting your application, you should review the lender’s qualifications. It is important that you comprehend the application and know what to expect throughout the process. You can view our funding requirements below. If you have any questions, don’t be afraid to ask!

Preparing Your Loan Application

Prior to submitting your application, it is important to consider the documents you’ll need to compile. We require your business’s three most recent bank statements and our one-page application to get started. Depending on other factors, a lender may request a month-to-date bank statement, tax returns, P&L and balance sheet.

Once approved, we ask for your driver’s license, a void check and proof of ownership of the business. If you’d like to speed up the process, we suggest that you prepare these documents ahead of time.

In order to supply businesses with financing as soon as possible, we aim to make our application process as simple and stress-free.

Business Financing Requirement Details

We want to ensure that our valued applicants fully understand why we have the requirements that we do. For instance, we require that businesses be operational for at least 6 months before we will provide them with a loan. This is to ensure you have gotten your business off the ground, have a use for the capital, and can responsibly handle the payments.

Businesses typically qualify for our products if they make more than $12,000 a month in gross sales. This prerequisite stands because we do not want to provide financing to a business if the repayment process will be difficult for them to handle while meeting their other responsibilities (such as paying rent or purchasing inventory).

Another main requirement is that we do not work with businesses with open bankruptcies, or any dismissed bankruptcies within the past year. We strive to collaborate with businesses that have an overall healthy financial situation.

Why Small Business Owners Benefit From Receiving a Loan

Receiving a loan can be a game changer for your business! To date, we’ve provided more than 20,000 businesses nationwide with financing. These business owners have shared with us how additional working capital has positively affected their operations. Here are just a few ways that financing can help small businesses thrive:

Money to utilize for whatever your business needs are:

At Fora Financial, we do not restrict how you use your loan, so you can use it in ways that will benefit your specific business. Whether it is purchasing equipment or paying employees, you’ll be able to meet your business’s specific needs.

Improve your credit score:

When you receive a business loan and repay it on schedule, this can help you boost your credit score. Paying off loans and other bills in a timely manner is important, so if you’re interested in improving your credit score, this can be a great opportunity.

The opportunity for growth:

With extra financing, your business will be able to pursue more strategic opportunities. Whether that means opening a new location, hiring staff or offering more inventory, your business loan can go a long way!

Peace of mind:

Having a business loan ensures that you’ll have money available for any sort of emergency or future plan. That can mean a lot when you are responsible for making your business a success!

How to Use a Business Loan

The possibilities are endless! There are so many ways to use a loan to grow your operations. Here are just a few ways that our previous customers have utilized their financing:

Marketing:

Do you want to gain more customers? Then using financing for marketing projects might be the right choice for you. You’ll be able to invest in branded materials, social media campaigns and test other marketing ideas.

Payroll:

Receiving a business loan will give you money that you can put towards payroll costs, and will allow you to breathe easy knowing you have a plan in place to take care of your employees.

Expansion:

Is your business growing at a rapid pace? Then it might be time to expand your business! Whether this means increasing your space or your product and service options, many business owners use their loan for expansion projects.

Paying bills:

You likely have consistent bills, such as rent and electricity, that you must pay to keep your doors open and your lights on. This can be challenging, since you have other business costs to tend to as well. With a small business loan, you’ll have funds available, so that you won’t worry about missing a payment.

Cash flow:

Your business likely requires steady cash flow in order to run smoothly. Many of the business owners we work with pursue a loan in order to have cash flow stability. With added cash flow, you’ll be able to afford ongoing business expenses, while having additional cash to use for other needs.

Inventory:

Are you worried about having enough inventory in stock to keep up with your business? With a business loan, you’ll be able to pay for your inventory orders, while still having funds for other areas of your business.

Renovations:

Whether it is equipment updates, interior or exterior projects or other needs, there may come a time that you’ll need to pay for business restorations. Some of these renovation costs may be pivotal to your business, causing you to be unable to serve your customers without them. Don’t risk this – use your loan for renovations!

Taxes:

When tax season arrives, you’ll be glad that you applied for a business loan. It can be a challenging to pay your taxes while keeping your business up-and-running. Luckily, if you have a loan, you’ll be able to pay your taxes without taking away funds from your day-to-day operations.

Additional Business Financing Products

Merchant Cash Advance

Business Line of Credit

SBA Loans

Equipment Loans

Inventory Loans

Bridge Financing