Use Cases

Cash Flow Loans & Financing

Cash flow is critical for businesses. Companies need cash to cover things like payroll, purchase inventory, pay invoices, and cover normal operational expenses. Business cash flows loans help companies when they need it the most.

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What Are Cash Flow Loans?

Cash flow loans are a type of lending product that's not backed by collateral, but is instead determined by past and future cash flow projections. Because you're not using any tangible items for collateral, some lending companies will give approvals within a matter of hours.

How Cash Flow Loans Work

Companies get a cash flow loan for many different reasons. These loans work by increasing the amount of money coming in to the business which can lead to greater gains in a shorter amount of time. Some businesses also use them to cover expenses in emergencies.

Use Cases

How To Use a Cash Flow Loan

Businesses find a cash flow lender for many different reasons. These loans have flexible options that allow companies to get through slow seasons and gear up for busy times as well. Here are some of the ways to use a cash flow loan.

Learn Why Us
  • Grow Your Business

    Cash flow is essential to grow a business. With cash flow loans for small business needs, even startups can get the capital necessary to hire staff, pay for marketing, and expand operations.

  • Cover Expenses

    Ever wonder how businesses pay for more inventory and cover the costs of running a business? A cash flow loan can help.

  • Hire Employees

    Get people working in your business, so you can work on the important task of growing and leading. A cash flow loan gives you the resources you need to hire employees.

Why Apply for a Cash Flow Loan?

Manage Peak Periods & Seasonal Slowdowns

Every business has a natural ebb and flow to income but has year-round expenses to cover. Getting small business cash flow loans helps you better navigate seasonal changes.

The Opportunity to Buy Inventory

When you need more inventory to get ready for the busy season or you want to add new products, a cash flow loan is the perfect choice to help you buy inventory.

Make Sure the Necessary Tools Are Paid For

Business tools can range from technology to the things needed for an HVAC business. Cash flow loans ensure these essential tools care paid for.

Minimum Eligibility Requirements

Getting business loans based on cash flow requires a few things. You’ll need to prove your time in business and your past revenue. Here’s what to expect.

Minimum Requirements
Time in Business Minimum 6 Months
Business Annual Growth Revenue $150K + Annual Revenue
Business Checking Account Yes
US Citizen/Based Company Yes
FICO Score 500+
Collateral None
Other Financing None
Bankruptcies None open

Better Your Business With Fora Financial

  • Expand or Improve Business Location

  • Purchase or Repair Equipment

  • Hire Skilled Workers

  • Invest in Updates

  • Buy Inventory

  • Manage Expenses

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

Cash Flow Loans FAQ

Because cash flow loans are not backed by collateral, lenders need to be sure you have the cash flow to warrant a loan. It protects them and their interests.
Cash flow loans are not secured. Lenders instead rely on your business's revenue and cash flow history to make a lending determination.
A cash flow loan is an unsecured loan whereas an asset based loan is a type of secured loan. Secured loans use company assets to back the amount of the loan.
A cash flow loan can be a line of credit that businesses can borrow against to help cover cash flow deficits during slow times. For instance, in retail, the holidays are the busiest times of the year, however, stores need the cash flow to purchase inventory and pay workers before the big sales come during the holidays.

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