Working capital loans and merchant cash advances up to $1.5M — 6+ months in business, $20K+/month revenue
Get started at Fora Financial Business Loans → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Established SMBs (6+ months TIB, $20K+/month revenue) that need larger working capital advances — up to $1.5M — outside the bank channel.
Fora Financial Working Capital Loan — Working capital loans and merchant cash advances up to $1.5M — 6+ months in business, $20K+/month revenue Best for: Established SMBs (6+ months TIB, $20K+/month revenue) that need larger working capital advances — up to $1.5M — outside the bank channel.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Yes. Fora Financial Business Loans is a direct lender for its core products — working capital loans and merchant cash advances — which it underwrites and funds from its own balance sheet. It is not a loan marketplace or comparison platform that passes your application to multiple lenders. Fora Financial holds a California Financing Law license (#603I192), verifiable at the California Department of Financial Protection and Innovation (dfpi.ca.gov). ClearValue Lending is not affiliated with Fora Financial and does not receive compensation from Fora Financial for this editorial review.
Fora Financial's published minimums are: at least 6 months in business and at least $20,000 in average monthly revenue. Applicants typically need an active U.S. business bank account, government-issued ID, and at least 3 months of business bank statements. These are published minimums; actual approval depends on the underwriting of your specific business profile, including revenue consistency, average bank balances, and personal credit. Verify current requirements at forafinancial.com before applying.
Yes. Fora Financial Business Loans is a legitimate direct lender that has been operating in the small business financing market since 2008. It holds a California Financing Law license (#603I192), verifiable at dfpi.ca.gov. You can check Fora Financial's public standing through the CFPB's consumer complaint database at consumerfinance.gov and its BBB profile at bbb.org. ClearValue Lending is not affiliated with Fora Financial and does not receive compensation from Fora Financial for this editorial review.
Fora Financial discloses that factor rates start at 1.10 for the best-qualified borrowers, but does not publish APR ranges or complete fee schedules on its public website. Pricing is determined individually based on your business profile — time in business, monthly revenue, bank deposit history, and personal credit — and is disclosed at the offer stage. Before signing any agreement, use ClearValue Lending's factor rate to APR calculator to convert the quoted factor rate to a standardized APR so you can compare it against other financing products on an apples-to-apples basis.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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