Fora Financial

Fora Financial

Direct lender offering small business financing

Overview

Fora Financial provides flexible working capital to small and medium-sized businesses through small business loans, revenue advances, and lines of credit. These products work by offering up to $1.5 million in funding with repayment structures tied to either fixed terms or a percentage of daily sales, allowing for faster approvals and funding than traditional banks. The company distinguishes itself by serving businesses with lower credit scores and using a soft credit pull during the application process to protect the applicant's credit rating. Its goal is to simplify the funding process for entrepreneurs by providing accessible capital that supports business expansion and cash flow management.

Significant Headcount Growth

About Fora Financial

Simplify's Rating
Why Fora Financial is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

201-500

Company Stage

Debt Financing

Total Funding

$256.9M

Headquarters

New York City, New York

Founded

2008

Get referred to Fora Financial

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • February 2026 originations rose 17.1%, with record December 2025 monthly funding volume.
  • June 2026 securitization saw strong demand and lower interest rates across note classes.
  • Nearly 6,000 businesses funded in 2025 shows durable borrower demand across industries.

What critics are saying

  • September 2022 breach exposed sensitive borrower data; class-action activity lingered into 2025.
  • New York trade-secret and borrower litigation keeps legal costs and reputational damage recurring.
  • Merchant-cash-advance underwriting faces default spikes in recessions, threatening securitization performance and warehouse access.

What makes Fora Financial unique

  • 2008-founded New York lender offers fast, soft-pull funding within 24-72 hours.
  • June 2026 ABS and upsized warehouse gave Fora Financial over $325M committed funding.
  • SOC 2 Type II completion in 2026 strengthens trust with institutional investors and borrowers.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$256.9M

Above

Industry Average

Funded Over

2 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison
Coming Soon

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

401(k) Company Match

Generous Time Off Plan

Flexible Spending and Commuter Benefits

Hybrid Work Options

Growth & Insights and Company News

Headcount

6 month growth

6%

1 year growth

6%

2 year growth

6%
Fora Financial
Aug 11th, 2026
Fora Financial named to the Inc. 5000 for the ninth time.

Fora Financial named to the Inc. 5000 for the ninth time. By: Fora Financial | August 11, 2026 Fora Financial, a leading provider of working capital solutions to business owners nationwide, today announced its inclusion on the 2026 Inc. 5000 list, marking the company's ninth appearance on the ranking of America's fastest-growing private companies. The Inc. 5000 evaluates companies based on percentage revenue growth over a three-year period, honoring businesses that have sustained growth through shifting economic conditions. "Being named to this list nine times says something about consistency, not just growth," said Jared Feldman, Co-Founder and CEO of Fora Financial. "Business owners have trusted us with their working capital needs since 2008, and that trust is what keeps this streak going." Since its founding, Fora Financial has provided over $5 billion in working capital to more than 55,000 businesses across the country, funding everything from equipment purchases to payroll to expansion projects. The company's continued appearance on the Inc. 5000 reflects sustained demand for accessible, fast financing among businesses navigating today's economic landscape. About Fora Financial. Founded in 2008, Fora Financial provides business owners with flexible and timely financing solutions across a wide range of industries. Guided by a commitment to customer service and long-term relationships, Fora Financial is headquartered in New York, NY.

PR Newswire
Jun 15th, 2026
Fora Financial closes $130M securitisation, its fourth ABS since 2019

Fora Financial, a US small business lender, has closed a $130 million asset-backed securitisation, its fourth since 2019. The three-year facility will refinance existing debt and support general corporate purposes. The company has now raised over $400 million across four securitisations, with improving terms in each successive transaction. The latest facility attracted strong demand from both new and returning investors, resulting in lower interest rates. Combined with a recently expanded warehouse facility, Fora Financial now has over $325 million in committed funding. Founded in 2008, the New York-based company has provided more than $5 billion in working capital to over 55,000 businesses nationwide. CFO John Egerman said the successful securitisation demonstrates continued investor confidence despite macroeconomic volatility.

Fora Financial
Jun 15th, 2026
Fora Financial closes $130 million securitization, its fourth return to the ABS market since 2019.

Fora Financial closes $130 million securitization, its fourth return to the ABS market since 2019. By: Fora Financial | June 15, 2026 Fora Financial, a leading provider of financing to small and medium-sized businesses nationwide, today announced the closing of its fourth asset-backed securitization (ABS). The proceeds from the 3-year, $130 million facility will be used to refinance the company's existing ABS and for general corporate purposes. Since its inaugural ABS in 2019, Fora Financial has raised more than $400 million across four securitizations, improving its borrowing terms with each successive transaction. That consistency reflects both the company's growth as an originator and the institutional confidence investors have in its small business portfolio. The new facility saw strong demand across all note classes, drawing both new and existing investors, resulting in a lower interest rate. "Amidst heightened macroeconomic and market volatility, I'm pleased that Fora Financial was able to issue our 4th ABS and with improved terms across the board," said John Egerman, CFO of Fora Financial. "Coupled with our recently upsized warehouse facility, Fora Financial now has in excess of $325M of committed funding to continue providing small businesses across the US with access to capital quickly and efficiently so they can continue to serve their customers." About Fora Financial. Founded in 2008, Fora Financial offers flexible and timely financing solutions to small and medium-sized businesses across a diverse range of industries. With a focus on customer service and long-term relationships, Fora Financial has provided over $5 billion in working capital to more than 55,000 businesses nationwide. The company is headquartered in New York, NY.

Equipment Finance Advisor
Apr 27th, 2026
Landscaping firm secures $750K to shift from residential to commercial contracts

A landscaping company generating $10 million in annual revenue has secured $750,000 in funding from Fora Financial to support its shift from residential projects to larger municipal and commercial contracts. The transition created liquidity challenges as upfront costs for bigger jobs outpaced existing cash flow. After encountering delays with traditional bank financing, the 15-year-old company returned to Fora Financial, with whom it had previously worked. Initially seeking $250,000, the business secured a 12-month financing package three times larger after learning it could reduce capital costs through early repayment. The funding enabled the company to hire additional staff and purchase materials for multi-million-dollar contracts. The business is now targeting over 50% year-over-year growth and is on track for its strongest quarterly performance in early 2024.

Fora Financial
Apr 3rd, 2025
Fora Financial Extends, Upsizes $26 Million Investment-Grade Corporate Note Issuance

Fora Financial, a leading provider of flexible financing to small and medium-sized businesses, today announced the closing of $16 million in new unsecured corporate notes, rated investment grade by Egan-Jones Ratings Company.

Recently Posted Jobs

Sign up to get curated job recommendations

Fora Financial is Hiring for 8 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify. Browse all jobs →