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Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Lender profile

Fora Financial

Direct funder New York, NY Founded 2008 Checked Sep 10, 2026
Fora Financial is a New York small business funder offering small business loans, revenue advances and lines of credit. It funds $5,000 to $1.5 million, with minimums of a 570 credit score and 6 months in business. It says funding can arrive in as little as 24 hours after an offer is accepted.
Visit forafinancial.com Compare with similar funders
Heads up. Its FAQ publishes factor rates of 1.13 to 1.50 and an origination fee starting at 2.5%, which most funders we track do not. Its FAQ asks for $17,000 a month in gross sales, while its financing pages list $240,000 a year.

The open book

What Fora Financial publishes, and what it doesn't

7 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$5K–$1.5M
Minimum credit score
570+
Minimum time in business
6 months
Minimum monthly revenue
Not published
Speed, in its words
As little as 24 hours

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Funding speed
  • Price (rate or factor)
  • Fees
  • Term length
  • Minimum revenue Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Fora Financial's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.

Merchant cash advance

How merchant cash advance works
Price not published
Amounts
Up to $1.5M
Price
Not published
Term
Up to 18 months
Repayment
Variable
Minimums
Credit 570+ · Time in business 6 months · Revenue n/p
Speed
In as little as 24 hours of acceptance
Sources (1)
Price published
Amounts
Up to $1.5M
Price
Factor 1.13–1.50
Term
4–18 months
Repayment
—
Minimums
Credit 570+ · Time in business 6 months · Revenue n/p
Speed
as soon as 24 hours of offer acceptance
Fees
"Our one-time origination fee can be as low as 2.5 percent." A wire transfer fee is also mentioned in the FAQ but no amount is given.
Sources (1)
  • "Our rates range from 1.13 to 1.50 with early payback provisions that can reduce your rate to as little as 1.05."
    forafinancial.com/faq · checked 2026-09-10

Third-party ratings

Ratings as we found them

A signal, not proof. Ratings change and some platforms let companies invite reviews. Check the current page before you rely on it.
Trustpilot
1084 reviews · retrieved Sep 10, 2026
4.70 / 5
BBB customer reviews
11 reviews · retrieved Sep 10, 2026
2.36 / 5

Similar funders

Funders offering the same products

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

Credibly

Direct funder
$5K–$10M550+ creditPrice published

Lendio

Marketplace
$1K–$10M500+ creditPrice published

ROK Financial

Broker
$10K–$5M500+ creditNo price

Birkin Capital

Not stated
Up to $2MCredit n/pNo price

Head-to-heads

Credibly vs Fora FinancialFora Financial vs Forward Financing

Pages we read

  1. https://www.forafinancial.com
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Fora Financial here doesn't mean it works with Openbook.

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