Flexible Terms for Your Growing Business
We're here to help you grow while managing variable cashflow. Here's how it works.
Get StartedAll Fora Financial Lending Programs offer...
Offer up to $1.5 million in working capital.
No hard credit pulls. We do one soft inquiry when you apply.
Pre-payment discounts.
An opportunity to increase the amount borrowed after paying at least 60% of the original loan.
Ultimate flexibility. Use funds as you see fit for most any business expense.
The Revenue Advance:
Flexible Terms for Your Growing Business
We help you grow while managing variable cashflow. Here's how it works: You'll borrow up to $1.5 million with variable terms against future revenue. Payback is a fixed percentage of your daily or weekly receipts: When sales are up, you're paying off your advance faster. When they dip, you benefit from reduced payments and more breathing room to tide you over.
Learn Why UsWhy Choose A Revenue Advance?
A Revenue Advance in Action: Olivia's Seaside Pizzeria
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The Vision:
Olivia opened her largely take-out pizzeria in a popular seaside town on the North Carolina coast. She wants to open new locations in other areas nearby ‐ but she first needs to boost the receipts of her seasonal operation.
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The Opportunity:
Olivia wants to increase her marketing to target residents of three large condo complexes. Winning loyal customers will help in funding her expansion.
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The Challenge:
Olivia needs $10,000 for a print and digital advertising campaign, including newspaper ads, emails, and social media posts.
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How Fora Financial Helped:
Olivia applied for and received a $10,000 Revenue Advance in just a few days. She'll pay 10 percent of her daily revenues. So, in the warm weather months, when the store brings in $1,000 a day, she'll pay $100. In the winter, when her revenue dips to half of her summer receipts, she'll pay $50.
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The Result:
Olivia's marketing paid off and she paid her loan back in six months. Now she's working with Fora to finance two new locations!
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.
Get Started With Ease
Submit the easy online application and within minutes, a Capital Specialist will call to discuss your funding request.
We'll make our funding recommendation within 4 hours.
You'll receive a lump-sum payout within 24 to 72 hours. Spend it at your own pace, as you need it.
Case Studies
Featured Funding
Stabilizing Growth
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Initial Funding Amount: $750,000
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Add-on Opportunity: $450,000
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Industry: Manufacturing
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Use of Funds: Financial Stability, Growth
Automation Growth
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Funding Amount: $300,000
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Approval Amount: $450,000
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Industry: Manufacturing / Automation
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Use of Funds: Working capital
Featured Funding
National Food and Beverage Franchise Network
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Funding Amount: $1.4 million
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Industry: Food and Beverage Franchise
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Use of Funds: Expansion and Renovation
Organic Growth
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Funding Amount: $750,000
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Approval Amount: $1,400,000
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Industry: Organic Food Grower
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Use of Funds: Cash Liquidity
Featured Funding
Delivery Service Expansion
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Funding Amount: $100,000
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Industry: Delivery Service
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Use of Funds: Equipment
Supporting Growth in Construction
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Funding Amount: $300,000
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Early Renewal: Additional $300k available in 60 days
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Industry: Construction
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Use of Funds: Cash Flow
Featured Funding
Physical Therapy
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Funding Amount: $1,000,000
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Industry: Healthcare
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Use of Funds: Expansion, Cash Flow
Subordinate Position
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Funding Amount: $2,000,000
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Approval Amount: $2,700,000
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Industry: Professional Services
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Use of Funds: Expansion, Cash Flow
Bridge Capital for Explosive Growth
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Funding Amount: $1,000,000
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Approval Amount: $2,500,000
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Industry: Construction
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Use of Funds: Bridge Financing, Expansion
Empowering Healthcare Staffing Growth
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Funding Amount: $1,000,000
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Approval Amount: $1,400,000
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Industry: Healthcare Staffing
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Use of Funds: Expansion
Facilitating Growth in Commercial Forestry Industry
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Funding Amount: $750,000
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Industry: Forestry
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Use of Funds: Hiring Additional Staff, Acquiring New Equipment and Materials
Opportunistic Growth
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Funding Amount: $400,000
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Industry: Electric Company
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Use of Funds: Opportunistic Growth
Fueling Expansion
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Total Funding: $5,000,000
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Renewals: 4 times in 16 months
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Initial Funding: $1,100,000
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Industry: Commercial Storage
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Use of Funds: Cashflow Gaps, Growth
Crafting Culinary Success
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Funding Amount: $1,000,000
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Industry: Specialty Food
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Use of Funds: Production, Technology, Marketing
Fitness Transformations
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Funding Amount: $150,000
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Industry: Fitness and Wellness
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Use of Funds: Expansion
Brewing Success
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Funding Amount: $170,000
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Industry: Food and Beverage
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Use of Funds: Product development, customer experience, marketing
Empowering Wellness
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Funding Amount: $750,000
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Industry: Health and Wellness
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Use of Funds: Bridge Financing
In with the View
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Funding Amount: $240,000
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Industry: Construction
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Use of Funds: Expansion
Growing Green
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Funding Amount: $750,000
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Industry: Landscaping
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Use of Funds: Payables, Expansion
Crafting Success
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Funding Amount: $800,000
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Industry: Manufacturing and Wholesaling
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Use of Funds: Equity Raise, Production, Efficiencies
Advancing Medical Excellence
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Funding Amount: $720,000
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Industry: Healthcare
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Use of Funds: Equipment, Staffing, Patient Experience
Fashionable Success
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Funding Amount: $300,000
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Industry: Retail
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Use of Funds: Inventory, Renovations
Charting New Horizons
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Funding Amount: $220,000
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Industry: Travel and Tourism
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Use of Funds: Product Offering, Technology, Partnerships
Revenue Advance FAQ
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The payments for a revenue-based business loan vary. Instead of a set dollar amount to repay, the payments will be a percentage based on your incoming revenue. For example, if you receive $1000 in revenue in a month and your repayment percentage is 30%, you would pay back $300 on your loan that month.
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It depends on how much you take out and how much your revenue is over time. More revenue coming in means you will pay off the loan more quickly.
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If you have a revenue history for your business, you can get a revenue advance even with bad credit. These types of loans are designed for business owners with poor credit but who have provable revenue coming in.
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While the terms are sometimes used interchangeably, there are some distinctions between a merchant cash advance and a revenue advance. The biggest difference is that a revenue advance requires proof of revenue coming in, while a merchant cash advance can be a little more flexible and may use additional factors to determine qualification.
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The interest rates for a revenue cash advance are a little different than a typical loan. These interest rates also tend to be higher because there are no assets to back them.
What Sets Us Apart from the Rest
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.