Small Business Loans

Turning Opportunity into Big Wins

Our term loans turn long-shot business possibilities into long-term gains. Here's how we do it.

Get Started

All Fora Financial Lending Programs offer...

  • $5,000 to $1.4 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.

Small Business Loans: Easier Than You Think

We know you don't have the time or energy to deal with endless bank-loan paperwork while also managing your business. Our simplified process skips excessive documentation — and possibly months of waiting for a decision.

What's more, you can use your loans proceeds as you see fit: whether you own a restaurant opening a new location, or a construction company that needs to hire workers for a huge municipal contract. Our flexible loan amounts and terms offer options unique to your business demands.

Learn Why Us

Why Choose Small Business Loan?

A Small Business Loan in Action: Miguel's Electrical Services, Inc.

Man holding laptop with colleague
  • The Vision:

    Miguel has been operating a successful electrical firm in a small New England city for more than ten years. Now he's ready to act on a longtime vision of moving into the commercial marketplace.

  • The Opportunity:

    When a new luxury hotel near the sports arena requests bids for its electrical work, Miguel bids on the $500,000, eight-month job — and gets it.

  • The Challenge:

    The job will cost Miguel $250,000 in materials and payroll. The hotel is paying $100,000 up front, leaving him with a $150,000 gap to manage until the hotel makes its final $400,000 payment.

  • How Fora Financial Helped:

    Miguel applied for and received a $150,000 loan. And since we gave him a ten-month payback schedule, there's a two-month cushion, just in case there's an overrun on the job.

  • The Result:

    Miguel and his team completed the job — and won two more commercial bids. Now we're helping him fund those, too!

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.

Services

Over $508 Million Funded

Construction

Over $404 Million Funded

Restaurant

Over $154 Million Funded

Retail

Over $135 Million Funded

Medical

Over $104 Million Funded

Transportation

Over $87 Million Funded

Auto

Over $73 Million Funded

Wholesale

Over $50 Million Funded

Manufacturing

Over $63 Million Funded

Get Started With Ease

1
Apply

Submit the easy online application and within minutes, a Capital Specialist will call to discuss your funding request.

2
Get a decision

We'll make our funding recommendation within four to 24 hours.

3
Receive your funds

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

Services Business Loans
"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
Revenue Advance
"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
Small Business Loan
“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
Revenue Advance
“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
Small Business Loan
“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
Small Business Loan
“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
Revenue Advance
“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
Revenue Advance
“Fora Financial provides better banking in general.”
Ismael Lopez
Owner / PR Wraps, Miami, FL
Small Business Loan
“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
Revenue Advance
“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
Services Business Loans
"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

Small Business Loan FAQ

There are three different types of loans. They are short, medium, and long term. Short-term loans usually last for 12 months or less. Medium-term loans can last 12 months up to 36 months. Long-term loans can last anywhere from 3 years up to 25 years.
The main term loan definition is that it has a specified length of time required to pay it off. The interest rates can be fixed or variable as well. A loan can be an open line of credit, a term loan, or other type of lending product.
Mortgages are a type of term loan that most people are familiar with. It has a set amount of time like 20 years or 30 years to pay off and a fixed or variable interest rate.
Term loans are great for any business, but they are especially helpful for businesses with special equipment, permanent locations, and other startups.
Fora Financial offers a free, no obligation quote for their term loans. Apply today to find out if your business qualifies.
Repayment begins typically the month after the loan starts unless your terms include different terms. You'll pay a set amount every month until the end of the loan unless it is a variable interest rate.
At the end of a term loan, your loan must be paid off in full. Once it's paid off, you are no longer bound by the terms of the loan.

Your Mission Is Ours

Get Financing Today

Get started with your application and join Fora Financial's family of forward-thinking businesses.