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Fora Financial
Simple, fast, and reliable business capital
What Fora Financial puts on the record
Every row is the lender's own published figure or a blank. Blanks are not estimates and not zeros — they are what happens when a lender publishes nothing.
- Amounts
- $5K – $1.5M
- Speed to fund
- As little as 24 hours
- Minimum credit score
- 570
- Minimum time in business
- 6 mo
- Minimum monthly revenue
- Not disclosed
- Direct funder or broker
- Direct funder
- Products offered
- Working Capital, Term Loan, Business Line of Credit, SBA Loan, Equipment Financing, Revenue-Based Financing
What Fora Financial does not publish
- Revenue minimum
Nothing here is hidden by us — these are the fields Fora Financial leaves off its own site. Ask for each of them in writing before you sign anything, and treat a refusal to put one in writing as an answer.
Product by product
Pricing basis sits in its own column because a factor rate and an APR measure different things and must never be read as one number.
| Product | Amounts | Pricing basis | Published rate | Term | Speed | On the record |
|---|---|---|---|---|---|---|
| Merchant Cash Advance | Up to $1.5M | Not disclosed | Not publicly disclosed | Up to 18 mo | In as little as 24 hours of acceptance |
|
| Working Capital | Up to $1.5M | Factor rate | 1.13x – 1.5x | 4–18 mo | as soon as 24 hours of offer acceptance |
|
| Business Line of Credit | $5K – $100K | Not disclosed | Not publicly disclosed | Up to 12 mo | Within one business day of approval |
|
Worth knowing before you call
What our researcher found reading Fora Financial’s own site — not the lender’s words
Requires only 6 months in business, one of the shortest published time-in-business minimums among larger funders.
Third-party ratings
Customer ratings collected from public profiles. They measure customer sentiment, not our assessment — the two are kept apart deliberately.
Fewer than 30 reviews — too small a sample to read much into.
Rating shown is the BBB customer-review star average (2.36/5 from 11 reviews). BBB letter grade A+, Accredited since 1/20/2011. Website confirmed as https://www.forafinancial.com on the main profile page (https://www.bbb.org/us/ny/new-york/profile/financial-services/fora-financial-llc-0121-122049).
Open the profileWebsite field shows forafinancial.com. The profile's About text claims an A+ BBB rating, but that is company-supplied marketing copy on Trustpilot, not a BBB-sourced figure; the BBB entry below was fetched separately.
Open the profileIn its own words
Fora Financial is a New York-based small business funder founded in 2008 as Paramount Merchant Funding and rebranded in 2013. It self-funds many transactions and also issues loans through Celtic Bank, offering amounts up to $1.5 million.
Sources and checks
Every figure on this page traces to a document someone read, on a date. Where a check is past its review date it says so rather than passing as current.
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Fora Financial publishes a factor rate for working capital
pricing_type"Our rates range from 1.13 to 1.50 with early payback provisions that can reduce your rate to as little as 1.05."
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Fora Financial publishes no pricing for its mca product
pricing_type"Funding up to $1.5 Million"; "Daily or Weekly Repayments"; "$240k+ annual revenue"
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Fora Financial publishes no pricing for its line of credit product
pricing_type"$5,000 - $100,000"; "Repayment terms - 12 months"
Questions about Fora Financial
Is Fora Financial a direct funder or a broker?
Fora Financial describes itself as a direct funder.
What does Fora Financial cost?
Fora Financial publishes a pricing basis on 1 of its 3 product records: Working Capital at 1.13x – 1.5x. Read it as a starting point and get your own quote in writing.
How much can you borrow from Fora Financial?
Its published range is Up to $1.5M.
What does Fora Financial require to qualify?
It publishes: a minimum credit score of 570; 6 months in business.
How fast does Fora Financial fund?
It advertises As little as 24 hours. That is the funder's own claim about its fastest case, not a commitment, and it starts when your file is complete rather than when you first make contact.
What products does Fora Financial offer?
On record here: Merchant Cash Advance, Working Capital, Business Line of Credit.
How transparent is Fora Financial?
It publishes 8 of 9 standard facts about itself, which is 89% — publishes most of its terms. The directory median is a useful comparison and is shown on this page.
Where did these figures come from?
Each one traces to a document someone read, on a date, listed at the bottom of this page. Where a figure is absent it is absent here too. Where this page says a figure is not disclosed, it means the lender publishes nothing we could find and cite. It is not an estimate, a category average or a zero. Filling that gap with a guess is how a business ends up applying somewhere it was never going to qualify.
Is Find Me Funders affiliated with Fora Financial?
No. Find Me Funders is a directory and does not lend, make credit decisions or set terms. Everything here describes what other companies publish about themselves. Find Me Funders is free to use. We earn a fee from some funders when a business we refer goes on to receive funding, and a funder can pay for a placement, which is always labelled. Neither changes a disclosure score, a ranking position or what a page says — scores are computed from published fields, not from commercial relationships.