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Fora Financial logo

Fora Financial

Levr partner
Broker and lender for working capital loans and term loansNew York, New YorkServes US businesses; availability varies by program and state
View Fora Financial on Best Business Loan Brokers →
BBLL 000096Listed Oct 2026On LevrLast checked Oct 31, 2026
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About

Fora Financial offers lump-sum business loans and a separate revenue advance with payments linked to sales. Compare the legal structure, total cost and payment mechanics of the actual offer.

Online lender. Takes applications and makes credit decisions online.

Financing they offer

Working capital loansTerm loansRevenue based financing

Some products may be arranged through other lenders.

General small business
From the lender's own site and public records.

A second look at Fora Financial

Fora Financial offers lump-sum business loans and a separate revenue advance with payments linked to sales. Compare the legal structure, total cost and payment mechanics of the actual offer.

Fora Financial provides financing directly and through other funding providers. Its disclosures name Fora Financial, Celtic Bank and unaffiliated third-party providers; the agreement identifies the provider before signing.

Published by Levr, not by Fora Financial. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Small business loan

Amount
$5,000 to $1,500,000, subject to underwriting.
Repayment
Up to 18 months with fixed daily or weekly payments.
Pricing
Fora describes factor-rate pricing on many products. Request the specific rate, fees and total repayment; no universal APR is established.
Early repayment
Early repayment discounts may reduce cost; obtain the qualifying conditions in writing.
Published entry requirements
At least six months in business, 570 personal FICO and $240,000 annual revenue on the requirements and product pages. Minimums do not guarantee approval.
Application
US-based business, business checking account, no open bankruptcy and no conflicting financing. Three recent months of bank statements are requested; additional documents may be needed.
Credit inquiry
Initial review uses a soft inquiry. A hard inquiry may follow if you proceed to final approval.
Funding timing
Advertised as little as 24 hours after acceptance, subject to documentation and processing; not a guaranteed deadline.

Provider sources: Small business loan details · Application requirements · Funding and eligibility FAQ

Revenue advance

Amount
$5,000 to $1,500,000, subject to underwriting.
Structure
A separate advance product, not automatically interchangeable with a business loan. Confirm whether the agreement is a purchase of future revenue and who bears the revenue risk.
Payments
A set percentage of daily or weekly revenue; dollar payments vary with sales.
Published duration
Typically four to 18 months according to the product FAQ; confirm how slower sales affect the agreement.
Cost
A factor rate sets total repayment. It is not an APR. Early repayment discounts may apply under the offer's conditions.
Published entry requirements
Six months in business, 570 FICO and $240,000 annual revenue. Approval and amount depend on underwriting.

Provider sources: Revenue advance details · Factor rates and annualized cost

When it may fit

Our assessment of the published programs

  • An operating business seeking a lump sum and able to support frequent payments may find the small business loan relevant.
  • A business with seasonal sales can compare the revenue advance's variable-payment mechanics with a fixed-payment loan.

What to weigh carefully

  • Published revenue minimums differ: the general FAQ lists $17,000 monthly gross sales, while current requirements and product pages list $240,000 annually. Confirm the applicable threshold.
  • The general FAQ excludes purchasing an existing business; confirm permitted uses even where a product page describes broad flexibility.
  • No collateral pledge does not establish that an offer has no personal guarantee or business lien.
  • Compare net proceeds, fees, payment timing and total repayment. A factor multiplier alone does not describe annualized cost.

Questions before you accept an offer

  1. Which entity funds and services my offer, and is it a loan or a purchase of future revenue?
  2. What are the net proceeds, fees, total repayment and full payment schedule?
  3. For a revenue advance, how are payments adjusted or reconciled when actual sales fall?
  4. Which revenue requirement applies, and is my business activity and intended use eligible?
  5. What liens, guarantees and credit inquiries apply before funding?
  6. What exact discount applies if I repay early?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

OnDeck

OnDeck offers term loans and revolving credit; compare its one-year operating-history minimum and the flexibility of reusable credit.

Credibly

Credibly publishes working-capital loan terms of six to 24 months; compare its daily or weekly payments, fees and total cost with Fora's shorter published maximum.

The lender

Type
Online lender
Legal name
Not yet provided Add it
Founded
2008
Charter
Not yet provided Add it
Headquarters
New York, New York
Service area
Serves US businesses; availability varies by program and state
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
forafinancial.com
LinkedIn
Company page

Loan officers at this lender

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