Fora Financial
4.11/5.0
Caleb Hayes
5/5.0
24, Aug 2025
Good for emergency cash needs
My HVAC company had an unexpected truck breakdown. Fora stepped in and funded me quickly so I could get back on the road. It?s expensive funding, but they?re reliable and fast. Great for those urgent moments.
Zoe Barnes
4/5.0
12, Aug 2025
Trustworthy, even if costly
While the cost was high, I never felt misled. They showed me the total payback up front and didn?t pressure me to borrow more than I needed. I appreciated that honesty and the speed at which they worked.
Dylan Jenkins
5/5.0
31, Jul 2025
Great for fast business funding
I didn?t want to wait weeks for a traditional loan, and Fora Financial had me approved and funded in under 72 hours. The team was polite, clear, and responsive. It gave my business the push it needed at the right time.
Natalie Ross
4/5.0
19, Jul 2025
Used it for equipment financing
I needed a new piece of machinery and didn?t have time for a traditional loan process. Fora got me the funding in a few days. It helped me avoid production delays. The repayment schedule is a bit tight, but manageable with proper planning.
Levi Foster
5/5.0
07, Jul 2025
Professional and responsive
I worked with a knowledgeable rep who answered all my questions without pressure. The documentation was easy to submit, and I had approval by the next day. Their process was fast and straightforward. I?d absolutely recommend them for time-sensitive business needs.
Lillian Simmons
5/5.0
25, Jun 2025
Helped when others wouldn?t
I was turned away by two banks due to my credit. Fora looked at my business performance instead, and I was funded within 48 hours. They were respectful and honest, and that mattered. This got me through a tough stretch.
Isaac Patterson
4/5.0
13, Jun 2025
Decent terms, quick results
I?ve used other lenders before and this was one of the better experiences. They approved me quickly, and the money helped me stock up for my holiday sales rush. The daily payments take some planning, but if your revenue supports it, it?s manageable.
Ellie Foster
5/5.0
01, Jun 2025
Transparent and fast
The biggest plus for me was how clear they were about everything. I didn?t feel like I was being tricked into anything. The process was quick, and the money came exactly when I needed it. It?s a solid option for small business owners.
Julian Hughes
4/5.0
20, May 2025
Pretty smooth overall
I needed quick funding and they delivered. I didn?t love the daily deductions, but I knew what I was agreeing to. The funding helped me keep a project moving, and I never felt left in the dark. Overall, a pretty smooth experience.
Penelope Long
5/5.0
08, May 2025
Excellent support and follow-through
The rep I worked with was very professional and made the entire process feel simple. I liked that they weren?t pushy and truly wanted to help. After funding, they checked in with me regularly to ensure I was on track. That made a big difference.
Anthony Perry
5/5.0
26, Apr 2025
Helped my startup expand
I run a growing food truck business and needed funds to add a second vehicle. Fora Financial was one of the few that didn?t turn me away for being newer. Their team guided me through the process, and the funding helped me grow faster than I thought possible.
Layla Russell
4/5.0
14, Apr 2025
Good for short-term capital
This worked great for us to cover a new hire and software upgrade. The process was quick and didn?t involve a mountain of paperwork. Rates are high, but the payoff matched what we expected. Great customer service made it easier.
Gabriel Powell
2/5.0
02, Apr 2025
Rigid repayment terms
I tried to request a temporary payment reduction due to a slow month, but they wouldn?t budge. It felt like I was locked in with no room to breathe. Not recommended for anyone with unpredictable revenue.
Hannah Bryant
2/5.0
21, Mar 2025
High fees caught me off guard
I was approved for the amount I needed, but once I saw how much I?d be paying back, I was shocked. It?s not interest?it's a factor rate?and it adds up fast. Read carefully before you sign anything.
Luke Sanders
2/5.0
09, Mar 2025
Not built for seasonal businesses
My income fluctuates month to month, and their daily payment model didn?t work well with that. No flexibility, no pause options, and no understanding of cash flow issues. It added more stress than relief.
Chloe Brooks
5/5.0
25, Feb 2025
No surprises, just results
What stood out was how clearly they explained everything. The contract matched what the rep told me, and there were no hidden fees. I appreciated the honesty. It?s a short-term solution, and if you plan for it properly, it works. They delivered exactly what was promised.
Jack Butler
4/5.0
13, Feb 2025
Worked for my situation
My retail shop had a short-term cash shortfall, and traditional banks weren?t moving fast enough. Fora was fast and easy to work with. The fees were higher than a traditional loan, but I knew that going in. They helped me bridge the gap and get through a rough patch.
Aurora James
5/5.0
01, Feb 2025
Straightforward process
I?ve dealt with lenders that made things feel complicated. Fora Financial was refreshingly straightforward. They asked for my bank statements and basic info, approved quickly, and explained the repayment structure clearly. The rep was transparent and there were no pushy tactics. Solid experience overall.
Owen Gray
5/5.0
20, Jan 2025
Helped me meet a big client deadline
I was in a crunch and needed funds fast to fulfill a large client order. Fora stepped in and had money in my account in two days. Their team was communicative and courteous. It?s not the cheapest option, but the speed and reliability made a huge difference for me.
Hazel Peterson
4/5.0
08, Jan 2025
Not perfect, but reliable
I don?t love daily payments, but Fora Financial explained everything upfront and stuck to the timeline. I used the funding to buy equipment and saw ROI quickly. I?d prefer more flexibility in repayment options, but overall, the experience was reliable and honest.
John Hughes
5/5.0
27, Dec 2024
Fast and friendly
Fora was professional, fast, and made the process painless. I appreciated how simple it was to apply and get approved. The daily repayments were outlined clearly, and their service team kept in touch after funding. I felt supported throughout. Worth it when speed matters.
Riley Ward
4/5.0
15, Dec 2024
Good experience overall
We needed a boost ahead of our busy season. Fora Financial got the funds in fast and explained all terms clearly. There were no surprises. Yes, the cost is higher than traditional loans, but we paid it off early and everything worked out. Not a bad option if you understand the structure.
Wyatt Howard
3/5.0
03, Dec 2024
Overwhelming daily withdrawals
The daily repayment withdrawals hit hard and fast. I couldn?t keep up without pulling funds from other accounts. It created more financial stress than it solved. It?s not a good setup for companies without steady daily revenue.
Zoey Cox
3/5.0
21, Nov 2024
No early payoff benefits
I tried to pay off the loan early and was surprised there was no discount or incentive. The payoff amount was the same, even if I cleared it in half the time. Doesn?t seem fair at all.
Samuel Richardson
3/5.0
09, Nov 2024
Disappointed with contract terms
I wish I had asked more questions before signing. The agreement was loaded with strict terms and limited flexibility. It felt one-sided in favor of the lender. They did fund quickly, but the experience left a bad taste.
Nora Cooper
5/5.0
28, Oct 2024
Great customer service experience
From the first call, I felt like my business was taken seriously. My account manager was responsive and answered every question with patience. They didn?t push a huge loan but helped me find an amount that worked. Funding came quickly and matched our timeline. Everything went as expected.
Joseph Bailey
4/5.0
16, Oct 2024
Worked well for bridging cash gaps
I needed a short-term bridge to cover supplier orders. Fora Financial was one of the few that actually listened to my needs. The daily repayments are strict but manageable if you?re organized. The experience felt tailored, not cookie-cutter. I?d use them again for similar needs.
Victoria Morgan
5/5.0
04, Oct 2024
Simple application, smooth process
Applying was surprisingly easy. Just basic financials and a few documents, and I was approved the next day. Funds hit our account shortly after. The factor rate was explained well, so I knew what I was signing. Their team was polite and not pushy. A good resource when time matters.
Julia Osborne
5/5.0
23, Sep 2024
Perfect for Fast Business Needs
We were preparing for a large order and needed help fast. Fora Financial was responsive, clear, and funded us in time to secure everything. The application was straightforward, and the team explained everything upfront. Definitely a helpful service when time is critical and banks aren?t moving.
David Cook
4/5.0
22, Sep 2024
Helpful for small business growth
I used Fora Financial to fund a marketing expansion. The process was faster than I expected, and their team stayed in communication throughout. The repayment plan fit our projections, although the overall cost was higher than I hoped. Still, I got the support and access I needed when banks wouldn?t look my way.
Jayden Perry
4/5.0
11, Sep 2024
Trustworthy and Efficient
I was skeptical at first, but the Fora team made everything easy. They worked quickly and didn?t try to push extra fees or conditions. Funds were deposited within a couple days. It?s a good solution when you?re in a crunch and don?t want to jump through bank hoops.
Scarlett Reed
5/5.0
10, Sep 2024
Fast funding when I needed it most
My bakery needed urgent working capital after an unexpected repair. Fora Financial approved us in less than 48 hours. The daily payments were predictable, and I appreciated their transparency about costs. My rep walked me through the details clearly. It?s not cheap, but it was efficient and stress-free. Would consider using them again if needed.
Elena Becker
5/5.0
30, Aug 2024
Responsive and Reliable
Fora Financial delivered exactly what I needed. The rep was available whenever I had a question and followed up even after funding. I used the money to secure new equipment. Everything was handled quickly and professionally. No stress, just results. Would recommend for similar situations.
Matthew Rogers
3/5.0
29, Aug 2024
Not suited for tight-margin business
My business runs on tight profit margins, and the high repayment amount left little room for other expenses. If you don?t have strong daily income, it?s hard to keep up. It just didn?t work for me.
Ruby Lawson
4/5.0
18, Aug 2024
Quick Cash When Needed
I needed working capital in a hurry, and Fora came through. The daily repayment was new to me, but it worked fine with my revenue. I?d use them again for short-term cash needs. They kept their word and didn?t try to up-sell me something I didn?t need.
Aria Morris
3/5.0
17, Aug 2024
Payment terms misunderstood
The daily payment structure wasn?t explained clearly enough. It sounded manageable at first, but it quickly affected my cash flow. I expected something more like a monthly schedule. Disappointed with how it played out.
Leonardo Stone
5/5.0
06, Aug 2024
Great Partner for Small Biz
As a small business owner, I appreciated Fora?s straightforward approach. They respected my time, answered all my questions, and provided funding when I needed it most. The agreement was easy to understand, and there were no surprises. It?s a relief to find a service like this.
Aiden Sanchez
2/5.0
05, Aug 2024
Too aggressive with follow-ups
I was just exploring options and filled out their form. After that, I received constant calls and emails. Even after I said I wasn?t interested, they kept pushing. Way too aggressive for my taste.
Madeline Curtis
4/5.0
25, Jul 2024
Good Communication
The team kept me updated every step of the way. I never had to guess what was happening. Funding arrived fast, and I used it to launch a new marketing push. A bit expensive overall, but worth it for the speed and the service quality.
Lily Stewart
2/5.0
24, Jul 2024
Lack of post-loan support
They were great during the application process but disappeared afterward. I had a question about payoff terms and kept getting transferred with no answers. Service should extend beyond funding.
Miles Barrett
5/5.0
13, Jul 2024
Simple and Fast
The whole process was efficient. I appreciated that I could talk to a real person, not just fill out a form. They reviewed my business quickly and got me the funds I needed. Great experience from start to finish. Will likely return next time I need help.
Sebastian Collins
5/5.0
12, Jul 2024
Supportive for managing cash flow
I used their revenue advance to smooth seasonal peaks. It aligned well with my fluctuating sales. Their staff checked in, explained repayment options, and were proactive. Felt supportive even with a short?term high?cost offer.
Sadie Holmes
4/5.0
01, Jul 2024
Professional and Quick
I?ve worked with other funding companies before, but Fora Financial stood out. They were professional, clear about the terms, and got me funds within 48 hours. It worked well for our cash flow needs. Would?ve preferred a little more flexibility in repayment timing, but still very happy.
Grace Edwards
4/5.0
30, Jun 2024
Straightforward but costly
I appreciated direct communication from the start. They laid out how factor rates work and repayment expectations. Funds came in quickly. Only drawback: cost is noticeably higher than bank lending, but acceptable for speed.
Asher Jordan
5/5.0
19, Jun 2024
Easy Experience from Start
From the first call, everything went smoothly. I appreciated the professionalism and how quick the funding came through. The loan helped me keep inventory levels up for a busy month. Good communication and no pressure. They made a stressful process much easier than I expected.
Jackson Evans
5/5.0
18, Jun 2024
Reliable and communicative
My rep called back within hours of submitting documents to clarify a few things. The next day, I had a funding decision. Payments adjusted to my revenue cycle. Reliable and helpful overall.
Autumn Lane
4/5.0
07, Jun 2024
Helpful During a Slow Season
My restaurant needed help during a slow winter season. Fora Financial got us funds quickly, which helped cover payroll. The customer service was helpful, and the process wasn?t overly complicated. Not the cheapest solution, but it served the purpose when banks couldn?t help.
Ella Parker
4/5.0
06, Jun 2024
Effective under pressure
When payroll funding came up unexpectedly, they stepped in fast. The process isn't the most tech?driven, but communication was clear and funds arrived in time. Terms are short, plan accordingly.
Robert Woods
5/5.0
26, May 2024
Fast Funds, No Red Tape
I was approved and funded faster than I expected. The terms were explained clearly, and there were no surprises. The money helped me catch up on expenses and prep for a trade show. Fora made everything simple and easy. Definitely recommend for urgent business funding.
Henry Campbell
5/5.0
25, May 2024
Good alternative for credit-challenged businesses
With under?perfect credit, I was turned down elsewhere. Fora Financial accepted my application, explained all terms clearly, and funded within three days. They didn?t sugarcoat costs, but delivered what they promised.
Maya George
4/5.0
14, May 2024
Reliable and Responsive
I liked that I could speak to someone quickly. They didn?t overcomplicate things and got me funding in just two days. Daily payments take getting used to, but the support was great. Overall, it?s a solid service for when you need capital on a tight timeline.
Sofia Phillips
4/5.0
13, May 2024
Quick when urgent, transparent terms
I applied during a tight cash situation and they kept things moving. They were clear about repayment structure and factor rates. It's pricey, yes, but transparent and predictable.
Easton Fuller
5/5.0
02, May 2024
Great Service Experience
The Fora team was very professional. They walked me through everything and didn?t push me into a decision. I felt informed and supported. The funding allowed me to buy needed supplies for my boutique. Would definitely work with them again if the need comes up.
Daniel Carter
5/5.0
01, May 2024
Professional support from start to finish
The application was easy. My Capital Specialist was professional, answered follow?up questions promptly, and funding arrived just when promised. Could be cheaper, but their service made that trade?off easier.
Alice Arnold
4/5.0
20, Apr 2024
Good Option for Short-Term Cash
Fora helped us get quick funding when we needed to make urgent repairs. The application process was easy, and the service team was responsive. Interest rates were a bit high, but they were upfront. I?d use them again for another short-term working capital need.
Elizabeth Roberts
4/5.0
19, Apr 2024
Accepts higher-risk profiles
I had a blemish on my credit and limited operating history. They approved me where others didn?t. They explained the cost structure in detail. Overall a positive experience despite the higher fees.
Jeremiah Stephens
5/5.0
08, Apr 2024
Smooth and Fast Process
I was surprised at how quick and smooth the process was. I needed capital to cover a short-term expense, and Fora Financial came through fast. The rep was informative, and the terms were clear. I appreciated the communication and speed. Definitely helped me when timing was critical.
Alexander Mitchell
5/5.0
07, Apr 2024
Good for short-term financing needs
When I needed cash fast for a supplier deadline, Fora Financial came through. The short?term structure worked well for me. Customer service stayed in touch throughout, ensuring no surprises.
Caroline Montgomery
5/5.0
27, Mar 2024
Great Experience from Start to Finish
Everything about my interaction with Fora Financial was professional. They didn?t overpromise or pressure me. I liked how they used actual revenue to determine the funding amount. The funding came fast, and the daily repayments were predictable. Their rep even gave me tips on managing the loan better. It helped us bridge a slow season and prep for expansion. I?d happily recommend them to other small business owners looking for fast and honest funding.
Emily Ramirez
4/5.0
26, Mar 2024
Approval with less paperwork
They approved my small business loan with just a few months of bank statements and a soft credit check. It was efficient, though the effective APR was higher than expected. Friendly enough staff.
Isaiah Ray
5/5.0
15, Mar 2024
Transparent and Trustworthy Partner
My experience with Fora Financial was better than I expected. Their team explained everything in detail, including repayment terms and total cost. The funding helped us meet a tight deadline with a corporate client. It made a major impact. What impressed me most was their follow-up, they truly care how your business is doing. This wasn?t just a transaction. It felt like they wanted me to succeed. I?d absolutely work with them again if the need arises.
Michael Hill
2/5.0
14, Mar 2024
Locked into terms with no flexibility
The loan seemed like a good idea at the time, but when my business slowed down, I couldn?t pause or adjust the payments. Daily deductions continued regardless of income, putting me deeper into financial strain. I was told there were options, but in practice, nothing was available. I finished the term, but barely. It was a learning experience I won?t repeat.
Sarah Dean
4/5.0
03, Mar 2024
Easy Process, Reliable Results
I?ve worked with other lenders before and wasn?t impressed. Fora Financial was different. The process was much easier, and their reps were professional and consistent with communication. The funding was used to expand our inventory, and we saw positive results right away. Their repayment plan was well-structured, although daily payments can be challenging at times. Overall, it?s a good company with a straightforward approach. If you plan well, it?s a very effective funding solution.
Abigail Nelson
2/5.0
02, Mar 2024
Way too aggressive with collections
Missed one daily payment because of a banking delay and their collections department was already calling me multiple times a day. It was extremely stressful, and I wasn?t given reasonable time to sort it out. I regret working with them. There?s no empathy, just pressure. If your cash flow isn?t rock-solid, I?d strongly caution against this type of financing.
Hunter Gibson
5/5.0
20, Feb 2024
Speed and Service You Can Count On
I run a seasonal business and needed funding fast to prepare inventory ahead of peak season. Fora Financial delivered as promised, with great service along the way. The team stayed in touch, answered questions quickly, and made sure I understood every part of the agreement. I didn?t feel like I was being pushed into something. Their help made a big difference in our growth this year. I?d recommend them to any small business in a similar situation.
Jacob Baker
5/5.0
19, Feb 2024
Explained terms clearly
My rep broke down how factor rates convert to total payback amount. No hidden fees and straightforward schedule. I appreciated their patience and clarity during our calls.
Bella Shaw
4/5.0
08, Feb 2024
Worked for Our Growth Strategy
We needed quick capital to invest in new equipment and software. Fora Financial made the process fast and manageable. Their team was responsive, and funding arrived within 48 hours. I would?ve liked a bit more flexibility in the repayment plan, but they were upfront about everything. The service was excellent, and it helped us take on more clients without delay. It?s a solid choice for businesses that need a boost and can handle daily payments responsibly.
Evelyn Adams
4/5.0
07, Feb 2024
Responsive service, short timeline
They responded quickly to required documents and set expectations early. Got funding within three days. Not the cheapest, but reliable when timing matters.
Jonathan Hicks
5/5.0
27, Jan 2024
Exactly What I Needed at the Right Time
When my business needed an injection of cash to secure a last-minute opportunity, Fora Financial came through. The entire process took less than three days. My rep was professional and informative. I appreciated the transparency about the total cost and the repayment structure. There were no surprises. I used the money to complete a large order, and everything went according to plan. I?d use their services again if needed without hesitation.
Logan Green
5/5.0
26, Jan 2024
Helpful during seasonal demand
Used a revenue advance when holiday demand spiked. Their model helped me avoid late payments during slow periods. They checked in regularly, explained everything, and supported me through repayment planning.
Piper Rhodes
4/5.0
15, Jan 2024
Good Fit for My Business
I was hesitant about the daily repayments, but the Fora Financial team helped me build a plan that worked with my cash flow. They reviewed my business?s performance and offered a funding amount that made sense. The money allowed me to invest in new hires. I felt supported throughout the process. It?s not a long-term solution, but for short-term capital, they delivered exactly what I needed with no pressure or confusion.
Harper Scott
3/5.0
14, Jan 2024
Too expensive for small businesses
Fora Financial approved me when others wouldn?t, which I appreciated. But I quickly realized the repayment structure was more burdensome than I could manage. The fees are extremely high and daily deductions hurt my cash flow. I expected some flexibility but didn't find much once the contract was signed. Their team is professional, but their products are not well-suited for businesses already running tight margins.
Parker Doyle
5/5.0
03, Jan 2024
Responsive and Supportive from Day One
From my first call, the team at Fora Financial made the experience seamless. They were responsive and kept me updated throughout the entire process. I had the funds in my account faster than expected, which helped me avoid delaying a major client project. They explained all the repayment terms clearly. The professionalism and reliability were exactly what I needed in a lender. I?m glad I found them when I did, and I?ll be coming back next time.
Ethan King
2/5.0
02, Jan 2024
Misunderstood the cost structure
I thought I understood the repayment model, but once the payments started, it became clear I hadn?t fully grasped the factor rate system. The daily deductions added up quicker than I expected, and I was locked into a contract I couldn?t exit early. The rep was helpful initially, but after funding, responses slowed. Not a scam, but not ideal if you're looking for affordable lending. I recommend reading the fine print twice before committing.
Anna Bishop
4/5.0
22, Dec 2023
Quick Access to Working Capital
I used Fora Financial to help manage cash flow between big contracts. The funding was quick, and I appreciated that they looked at business performance, not just credit score. The fees are on the higher side, but there were no surprises. The team was helpful, polite, and always responsive. It?s a good short-term option if you understand the costs and need quick access to cash. I would consider them again in the future if needed.
Charlotte Young
4/5.0
21, Dec 2023
Easy to work with
The entire process was straightforward: a simple online form, followed by a call and quick funding. They worked with limited credit history and offered a realistic plan. Rates are high, but acceptable for my short timeline.
Adrian Wells
5/5.0
10, Dec 2023
Straightforward Process, No Hassle
The team at Fora Financial helped me secure funding within 72 hours. The application was simple, and the contract terms were exactly what they told me during the call. I never felt pressured. The money helped me ramp up production ahead of a big order. While it?s not the cheapest financing, it was exactly what I needed at the time. I appreciated how easy it all was. Everything was laid out clearly and professionally.
Mason Allen
5/5.0
09, Dec 2023
Solid support for small biz owners
Friendly staff and realistic guidance made a real difference. They helped when I needed cash fast to reorder supplies. Repayments were automatic and predictable. I wish cost was lower, but system was solid overall.
Lucy Larson
5/5.0
28, Nov 2023
Better Than Expected Experience
I was hesitant at first, hearing mixed things about merchant cash advances, but Fora Financial exceeded my expectations. They were clear, fast, and treated me with respect. My rep checked in even after the funding to make sure everything was going well. I appreciated the personal touch. I used the capital to upgrade equipment in my auto shop, and it?s already paying off. The repayment process was seamless. I?d absolutely work with them again in the future.
Amelia Hall
4/5.0
27, Nov 2023
Transparent but pricey
I was upfront with them about needing a short-term bridge loan. They laid out factor rates and repayment plans clearly. The rate was high but transparent and matched the urgency of my need.
Evan Spencer
4/5.0
16, Nov 2023
Great Support for Small Businesses
Fora Financial made me feel like they actually care about small businesses. They listened to my needs and didn?t push a massive loan I couldn?t manage. The process was quick, and they guided me through every step. The daily repayments are strict but manageable. Their funding helped me expand my inventory and meet demand during a busy season. If you understand the costs and need fast access to capital, I?d recommend giving them a call.
Lucas Lewis
5/5.0
15, Nov 2023
Efficient and responsive
They responded to my documentation quickly, asked clear follow-up questions, and kept things moving. Funds were available in time to cover payroll. Cost is a bit higher than banks, but service made it worthwhile.
Kennedy Hunter
5/5.0
04, Nov 2023
Reliable, Honest, and Professional
My experience with Fora Financial was smooth and stress-free. They were upfront about their fees and didn?t try to hide anything in the fine print. Their team was communicative and made sure I understood the terms before moving forward. I used the loan to invest in marketing, and it paid off quickly. I appreciated how fast the entire process was and the professionalism I received. Definitely a good option for business owners who value efficiency and straight talk.
Mia Clark
4/5.0
03, Nov 2023
Appreciated one-on-one attention
My rep took time to explain details weekly vs daily payment plans. I never felt rushed. The terms are short but clearly explained and manageable given my seasonal business.
Charles Ford
5/5.0
23, Oct 2023
A Huge Help During a Difficult Time
My catering business took a hit during a slow season, and I needed fast capital to stay afloat. Fora Financial stepped in when others wouldn?t, and they made the process so easy. I had funding in two days and was able to cover my obligations without stress. The repayment plan was clearly explained and worked within my daily cash flow. Their service team checked in regularly and were always polite. This was a big help when I really needed it.
Benjamin White
5/5.0
22, Oct 2023
Helpful when traditional banks declined
Several banks turned me down because of my short business history. Fora Financial approved me within days. They clearly explained their process and walked me through the repayment options. Very grateful.
Violet Graham
4/5.0
11, Oct 2023
Good Experience With Room for Flexibility
I needed working capital fast to cover unexpected payroll issues. Fora Financial responded quickly, and within 48 hours, I was approved and funded. The process was simple and the staff was professional. I just wish there were more flexibility in repayment terms. Daily withdrawals can be tough, but with planning, they?re manageable. Overall, I?d recommend them to other small business owners who need quick funding without all the red tape. They delivered what they promised with no surprises.
Isabella Taylor
4/5.0
10, Oct 2023
Decent for urgent cash
I got funded quickly to handle unexpected taxes. It?s costlier than other sources, but they get things moving fast. Customer care followed up after disbursement to ensure I understood repayment schedule.
Adam Elliott
5/5.0
29, Sep 2023
Supportive Team, Fast Results
Fora Financial was there for me when I needed to upgrade my salon?s interior before the holidays. The team took the time to understand my goals and provided funding that matched my revenue. The application process was efficient, and the funds were delivered quickly. I loved that I could speak to a real person who genuinely cared about my business. It wasn?t cheap, but the results were worth it. It helped me improve my client experience dramatically.
James Wilson
5/5.0
28, Sep 2023
Supportive during growth phase
As we scaled our online store, I appreciated having a human contact, my Capital Specialist guided me on preorder funding. They are not budget, but their support helped us keep inventory in stock without delays.
Leah Daniels
4/5.0
17, Sep 2023
Helped Me Expand When I Needed It Most
I run a landscaping business, and I needed funding to add new equipment for summer contracts. Banks dragged their feet, but Fora Financial had me funded in under three days. I appreciated how quickly everything moved. Their customer service was knowledgeable, and I didn?t feel like just a number. The interest was higher than I would?ve liked, but the speed and support made it worthwhile. If you?re in a time crunch, this is a strong option to consider.
Sophia Thompson
2/5.0
16, Sep 2023
Customer support vanished post-funding
Before I signed, my rep was incredibly responsive. After the deal closed, I couldn?t get a straight answer on anything related to my account. Emails went unanswered for days, and phone calls kept being routed elsewhere. I needed flexibility during a slow period, and there was none. It felt like once they had my signature, I was on my own. That?s not what I expected for the fees I paid.
Nolan Harper
5/5.0
05, Sep 2023
Professional and Transparent
What stood out to me about Fora was how honest and transparent the entire process was. I wasn?t hit with hidden fees, and the repayment structure was clearly explained before I signed anything. The funding allowed me to expand my inventory ahead of a big seasonal push. Their team was responsive and never pressured me. The daily repayment took some getting used to, but everything went exactly as they said it would. They made me feel like a priority.
Elijah Moore
2/5.0
04, Sep 2023
Not transparent about total cost
I was told the fees were standard for merchant cash advances, but the total payback amount ended up being nearly double what I received. The factor rate system wasn?t explained in a way that made the cost obvious upfront. I felt misled, even if technically nothing was hidden. Make sure you understand the total repayment obligation, not just what you?re getting funded.
Ava Davis
4/5.0
23, Aug 2023
Good for flexible funding needs
I used their revenue advance product, so payments adjust with my daily sales. This flexibility helped during slower weeks. There?s a fee premium, but worth it to align repayments with cash flow.
Stella West
4/5.0
23, Aug 2023
Quick Capital With Great Support
I needed fast funds for unexpected inventory costs and found Fora Financial. Their team was helpful, straightforward, and didn?t waste my time with unnecessary paperwork. Within 48 hours of applying, I had the funds. The repayment schedule was aggressive but manageable, and the communication throughout was top-notch. I appreciated the transparency, and while the overall cost was higher, I got exactly what I needed, when I needed it. Great experience overall and worth considering for short-term needs.
Noah Miller
5/5.0
11, Aug 2023
Reliable in tight timelines
I had a vendor due date coming up. Fora Financial stepped in and got funds to me within 48 hours. They were transparent about lending terms and didn?t pressure me into more than I needed.
Cameron Stone
5/5.0
11, Aug 2023
Lifesaver When Traditional Loans Failed
After getting denied by multiple banks, Fora Financial gave my small bakery the funding it needed to get through the off-season. The process was fast, and my account manager stayed in touch every step of the way. Yes, the cost was higher than a traditional loan, but the speed and support made it worth it. Daily payments were clear and manageable. They truly helped me bridge a gap when no one else would. I?m very satisfied with the outcome.
Emma Johnson
4/5.0
30, Jul 2023
Streamlined and professional
The process felt streamlined: one-page application, quick follow-up call, and funding in a couple of days. The customer service team was professional and courteous. Terms are short, so be ready for quick repayment.
Claire Wallace
2/5.0
30, Jul 2023
Felt pressured to close
The rep was nice, but I felt rushed to sign the contract without fully understanding the long-term implications. They followed up constantly until I agreed. I should?ve taken more time to compare other offers.
Liam Anderson
5/5.0
19, Jul 2023
Clear communication throughout
From the online form through to payout, the communication was clear. They explained how factor rates differ from interest, no hidden surprises. My account manager checked in after funding to ensure it was working out.
Aaron Hart
2/5.0
18, Jul 2023
Fast, but too expensive
They definitely deliver quickly, but the fees and repayment terms made me regret the decision. Payments hit daily, and there?s no flexibility once the agreement is signed. Not the worst, but I wouldn?t recommend unless you're truly desperate.
Olivia Bennett
4/5.0
07, Jul 2023
Accepts less-than-ideal credit
With a credit score under 600, most banks said no. Fora Financial said yes. They required simple business documentation and were honest about the cost. I got funding fast and avoided long bank processes.
Skylar Hamilton
5/5.0
06, Jul 2023
Delivered on what they promised
My favorite part of working with Fora was that there were no surprises. They told me what to expect and followed through. Fast approval, clear terms, and friendly service made it an overall great experience.
Declan Boone
2/5.0
25, Jun 2023
Approval was fast, but at what cost?
They move quickly and had funding in my account within two days. However, the repayment schedule was not clearly explained. Daily withdrawals depleted my account faster than anticipated. I ended up borrowing again to keep up. It became a cycle. Their customer service was courteous, but the structure of the loan felt predatory in hindsight. It?s not designed for sustainable long-term use.
Thomas Bryant
4/5.0
24, Jun 2023
Good option if time is tight
If you need funding and don?t have time to go through a bank, Fora works. My only issue was the daily repayment, which required some budgeting. But everything else was solid and well-explained.
Tessa Norris
3/5.0
13, Jun 2023
Aggressive sales tactics
After I inquired, I was called multiple times a day for weeks. Even after I told them I wasn?t ready, they kept following up. Eventually, I took a small advance, but the fees were astronomical. It felt like they prioritized closing a deal over understanding my business?s needs. I paid it off early, but they wouldn?t give any discount or early repayment credit. I won?t use them again.
Audrey Griffin
5/5.0
12, Jun 2023
Easy to work with
I appreciated how approachable their team was. They listened to my business needs and didn?t push me into borrowing more than necessary. It felt like a partnership, not a transaction. The speed was just a bonus.
Hayden McKinney
5/5.0
01, Jun 2023
Friendly and informative team
My Capital Specialist, Jordan, was thoughtful, professional, and accessible. They helped me understand repayment terms and helped lock in funding for a seasonal cash crunch. I wish rates were lower, but I appreciate the transparency and responsiveness.
Andrew Butler
4/5.0
31, May 2023
Great service, short payoff term
I needed cash fast, and they delivered. I didn?t realize the payoff term was so short until I was halfway in, but they were upfront. The experience overall was pleasant and professional.
Daisy Maxwell
4/5.0
20, May 2023
Good service for startups
As a new business with modest credit, I was pleasantly surprised that they approved me. No collateral needed and they explained the factor rate model clearly. Their service felt personal and supportive, though the rates are higher than standard bank loans.
Savannah Perry
5/5.0
19, May 2023
Gave me peace of mind
Running a small business comes with surprises. Having Fora Financial step in so quickly helped me sleep easier during a rough patch. They kept things clear, stayed in touch, and delivered on time.
Zane Chandler
3/5.0
08, May 2023
Not for businesses with variable income
As someone with inconsistent sales month-to-month, the daily payment structure was brutal. There was no way to pause or adjust when I had slow days. It felt like they designed the product without understanding how small businesses actually operate. I had to take out another loan just to keep up with this one. It's just not sustainable if you don?t have steady revenue.
Christian Flores
3/5.0
07, May 2023
Communication issues after funding
Before I signed, the rep was responsive and available. After funding, it became hard to reach anyone for support. I needed to change my payment method and couldn't get a straight answer. Very frustrating and not what I expected.
Reagan Sims
3/5.0
29, Apr 2023
Communication broke down midway
Started off well, with clear communication and quick responses. But once my account was funded, I found it nearly impossible to get answers about anything. I had questions about payment timing and options for early payoff, but no one seemed to have authority to help. For the amount of money I paid in fees, I expected better service. It felt like a set-it-and-forget-it loan, at my expense.
Brooklyn Henderson
2/5.0
26, Apr 2023
High cost not clearly explained
I was approved fast, which was great, but the total cost ended up being way more than I expected. The factor rate system can be confusing, especially for first-time borrowers. Not ideal for small businesses watching every dollar.
Marcus Newton
5/5.0
17, Apr 2023
Fast turnaround when I needed cash
Needed working capital to restock inventory quickly. Fora Financial approved within 24 hours and funds hit my account in less than three days. The fees are noticeable but acceptable given the urgency and ease of the process.
Nathan Morris
3/5.0
14, Apr 2023
Daily payments drained cash flow
I wasn?t expecting daily withdrawals to hit my account so quickly and aggressively. It made managing other expenses difficult. The funding was fast, but I wish they had been clearer about how the repayment would impact my operating budget.
Isla Dawson
4/5.0
05, Apr 2023
Helpful and responsive
I had a very smooth approval process at Fora Financial. Their representative walked me through options clearly and answered every question patiently. Funding arrived faster than expected. The cost is a bit steep, but overall they delivered on what they promised.
Paisley Coleman
4/5.0
02, Apr 2023
Reasonable option for quick funds
The cost of the loan was higher than I wanted, but I had cash within 48 hours. If you go into it understanding how factor rates work, it?s a reasonable option. Good for quick working capital.
Fora Financial
Since 2008, Fora Financial has provided over $4 billion in working capital to more than 55,000 businesses. With funding options ranging from $5,000 to $1.5 million, you can access the capital you need without hard credit checks and with potential prepayment discounts.
Address
10018
New York
United States
Website
forafinancial.com
Email
info@forafincial.com
Telephone
877-514-8062
