Flexible Terms for Your Growing Business
We're here to help you grow while managing variable cashflow. Here's how it works.
Get StartedAll Fora Financial Lending Programs offer...
Offer $5,000 to $1.5 million in working capital.
Minimal credit checks. We do one soft inquiry when you apply and a full check upon approval.
Pre-payment discounts.
An opportunity to increase the amount borrowed after paying at least 60% of the original loan.
Collateral-free terms. You won't have to sign away your home or office to borrow with us.
Ultimate flexibility. Use funds as you see fit for most any business expense.
The Revenue Advance:
Flexible Terms for Your Growing Business
We help you grow while managing variable cashflow. Here's how it works: You'll borrow $5,000 to $1.5 million with variable terms against future revenue. Payback is a fixed percentage of your daily or weekly receipts: When sales are up, you're paying off your advance faster. When they dip, you benefit from reduced payments and more breathing room to tide you over.
Learn Why UsWhy Choose A Revenue Advance?
A Revenue Advance in Action: Olivia's Seaside Pizzeria
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The Vision:
Olivia opened her largely take-out pizzeria in a popular seaside town on the North Carolina coast. She wants to open new locations in other areas nearby ‐ but she first needs to boost the receipts of her seasonal operation.
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The Opportunity:
Olivia wants to increase her marketing to target residents of three large condo complexes. Winning loyal customers will help in funding her expansion.
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The Challenge:
Olivia needs $10,000 for a print and digital advertising campaign, including newspaper ads, emails, and social media posts.
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How Fora Financial Helped:
Olivia applied for and received a $10,000 Revenue Advance in just a few days. She'll pay 10 percent of her daily revenues. So, in the warm weather months, when the store brings in $1,000 a day, she'll pay $100. In the winter, when her revenue dips to half of her summer receipts, she'll pay $50.
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The Result:
Olivia's marketing paid off and she paid her loan back in six months. Now she's working with Fora to finance two new locations!
Put Our Funding Solutions to Work
Find out how we're helping businesses grow in many ways, in most every industry.
Buy Equipment
Maintain your competitive edge.
Expand
Act quickly on new market opportunities.
Maintain Cash Flow
Compensate for slower startup or seasonal sales.
Renovate
Improve your workplace for enhanced employee and customer satisfaction.
Launch a Marketing Campaign
Keep the conversation going with customers and prospects.
Purchase Inventory
Buffer your operation from supply-chain issues.
Staff Up
Add people when and where you need them.
Manage Expenses
Compensate for unpredictable cash outlays.
Bolster Your Payroll
Compensate seasonal employees during slow periods.
Get Started With Ease
Submit the easy online application and within minutes, a Capital Specialist will call to discuss your funding request.
We'll make our funding recommendation within four to 24 hours.
You'll receive a lump-sum payout within 24 to 72 hours. Spend it at your own pace, as you need it.
What Fora Financial Customers Say
"We couldn't do it without the help of Fora Financial, and the people there are just tremendous. I highly recommend the financing program to anyone that needs it.”
John Bogonis, Owner / Carlisle Bakery, Carlisle, PA
“The integrity and relationship is extremely strong, really appreciated the way Fora Financial worked with us and it was such a positive experience for my company and for myself.”
Rodney Thomas, Owner / Thomas and Herbert Consulting
"I didn't have any capital or line of credit to start with, so I applied to Fora Financial for a loan. The team was easy to work with. Fora's products can help small businesses weather ripples in the economy that might otherwise be a serious problem."
Debra Heim, Very Best Little Hairhouse, Sharon, PA
“With Fora Financial, he was able to get an approval with minimal paperwork and the financing he needed within 3 business days.”
Juan Manuel Perez, Restaurant Owner / Pita Grill, New York, NY
“The process at Fora Financial was quite transparent, you know what you were getting into, quite honest, actually very easy and as I grew and took more advances, the terms got better.”
Dickson Shreffler, Owner / Sleepy Poet Antique Mall, Charlotte, NC
“There's no such thing as cut and dry any more, it doesn't work that way and Fora Financial was able to do that and they are still able to do that today. I hope we can continue this relationship for years to come.”
Russell Bobo, Owner / Bobo Engineering Incorporated
“True to their word, Fora Financial provided substantial funds that allowed us to get some very nice jobs.”
Ed Campany, Owner / Campany Roof Maintenance, West Palm Beach, FL
“Fora Financial provides better banking in general.”
Ismael Lopez, Owner / PR Wraps, Miami, FL
“When Fora Financial offered the opportunity to provide us with capital, we jumped right on it. We thought it was a win-win situation. It makes sense.”
Joseph Pou, Owner / J&J Pool and Beach Services
“If it wasn't for Fora Financial I don't know if we would have made it through the summer.”
Carl Busset, Owner / The 19th Hole at the Saints, Port St Lucie, FL
"Thanks to the working capital I received from Fora Financial, I was able to retain my employees during a challenging time. Applying was easy and the turnaround time was great!"
Denise Barron, Proprietor / Growing Patch Learning Center, Pittsburgh, PA
Revenue Advance FAQ
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The payments for a revenue-based business loan vary. Instead of a set dollar amount to repay, the payments will be a percentage based on your incoming revenue. For example, if you receive $1000 in revenue in a month and your repayment percentage is 30%, you would pay back $300 on your loan that month.
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It depends on how much you take out and how much your revenue is over time. More revenue coming in means you will pay off the loan more quickly.
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If you have a revenue history for your business, you can get a revenue advance even with bad credit. These types of loans are designed for business owners with poor credit but who have provable revenue coming in.
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While the terms are sometimes used interchangeably, there are some distinctions between a merchant cash advance and a revenue advance. The biggest difference is that a revenue advance requires proof of revenue coming in, while a merchant cash advance can be a little more flexible and may use additional factors to determine qualification.
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The interest rates for a revenue cash advance are a little different than a typical loan. These interest rates also tend to be higher because there are no assets to back them.
What Sets Us Apart from the Rest
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.