Revenue Advance
A Revenue Advance is revenue-based financing that adapts to how your business performs. You receive up to $1.5 million upfront and repay a set percentage of your daily or weekly revenue, so payments rise during busy periods and ease when sales slow down.
Quick Stats
| Loan Amounts and Terms |
|
|---|---|
| Repayment Schedule |
|
| Requirements |
|
| Funding Time |
|
Funding up to $1.5M
Term up to 18 months
Daily or Weekly Repayments
Time in business 6+ months
570 FICO score
$240k+ annual revenue
In as little as 24 hours of acceptance
How Does A Compare?
How to Get a Revenue Advance
1
Apply
Submit the easy online application within minutes and a Capital Specialist will call to discuss your funding request.
2
Get A Decision
You will receive your approval status in as little as 4 hours after submitting all necessary documentation.
3
Receive Your Funds
You'll receive a lump-sum payout in as little as 24 hours of offer acceptance. Spend it at your own pace, as you need it.
Revenue Advance
A revenue advance has no usage restrictions, so you can put the funds wherever your business needs them most. It’s especially well suited to businesses with seasonal or uneven sales, since payments adjust with your cash flow.
Seasonal Inventory & Staffing
Stock inventory and staff up ahead of your busy season. Payments rise as sales pick up and ease once things slow down.
Equipment & Technology
Replace aging equipment or add tools and software that boost efficiency, without locking into a fixed monthly payment.
Expansion & Renovations
Open a new location, move into a larger space, or renovate your current one while keeping day-to-day operations running smoothly.
What Sets Us Apart from the Rest
Revenue Advance FAQ
-
Your payment is a set percentage of your daily or weekly revenue, so the dollar amount changes with your sales. For example, at a 10% payment percentage, a week with $12,000 in revenue means a $1,200 payment, and a slower week with $8,000 in revenue means an $800 payment. Your Capital Specialist will confirm the percentage and the total repayment amount in your offer before you accept it.
-
Repayment terms for a Fora Financial Revenue Advance are typically 4 to 18 months. Because payments are a percentage of revenue, a stronger sales period repays the advance faster and a slower one stretches it out within that term.
Paying early can lower your total cost. Fora Financial offers early repayment discounts on the Revenue Advance, so repaying ahead of schedule can reduce your total repayment. Confirm the discount terms in your offer before you accept it.
-
The term merchant cash advance is used broadly, and structures vary by provider, so the useful comparison is how each offer works. With many merchant cash advances, repayment is a share of card sales or a fixed daily withdrawal. With a Fora Financial Revenue Advance, repayment is a set percentage of your daily or weekly revenue, so payments adjust as your sales change. In both cases total repayment is set by a factor rate when you accept the offer.
Fora Financial’s Revenue Advance is a separate product with its own terms and structure. When you compare offers, check how repayment is calculated, whether payments flex with revenue, and what the total repayment amount is.
-
A revenue advance is priced with a factor rate, a multiplier applied to the amount funded. For example, a $100,000 advance at a 1.3 factor rate means total repayment of $130,000, so the cost of the advance is $30,000. That cost is set when you accept the offer.
A 1.3 factor rate does not equal a 30% APR. The annualized cost depends on how long repayment takes. To compare offers priced differently, compare total repayment and effective APR. Your Capital Specialist will provide a full breakdown of total repayment before you accept any offer.
-
Payments adjust with your sales. Because you repay a percentage of daily or weekly revenue, payments rise in busy periods and ease when sales slow down, instead of staying fixed regardless of cash flow.
Flexible use of funds. A revenue advance has no usage restrictions, so you can put the funds toward inventory, staffing, equipment, expansion, or anything else your business needs.
Speed. You can receive an approval decision in as little as 4 hours, and funding can arrive in as little as 24 hours from offer acceptance.
Tradeoffs to weigh. Financing is a cost. Total repayment is set by the factor rate when you accept the offer, and early repayment discounts may reduce it if you repay ahead of schedule. Payments also rise when sales are strong, so confirm the percentage, the early repayment terms, and total repayment before you decide.
-
Many business owners search for this as a revenue-based business loan. A Fora Financial Revenue Advance is the same kind of revenue-based financing: you receive capital upfront and repay a set percentage of your daily or weekly revenue, so payments rise and fall with sales.
The difference is in how it is priced. A revenue advance uses a factor rate, a fixed multiplier applied to the amount funded, instead of an interest rate. Total repayment is set when you accept the offer.
-
Fora Financial provides revenue advances from $5,000 up to $1,500,000. The amount you qualify for depends on your revenue, time in business, and cash flow consistency. A Capital Specialist reviews your file and can help you size the request to your revenue before you commit to anything.
-
The right choice depends on how your sales behave. A revenue advance fits seasonal or uneven sales, since payments are a percentage of revenue and ease when sales slow. A small business loan fits a defined purchase with steady sales, since payments are fixed on a daily or weekly schedule and you know exactly what comes out and when.
Prepayment works similarly on both. Fora Financial offers early repayment discounts on its revenue advance and its small business loan, so paying early can reduce your total repayment on either one. Confirm the prepayment terms for any offer in writing.
-
Applying does not affect your personal credit score. Fora Financial uses a soft credit inquiry to check your initial options, with no cost to apply and no obligation to accept an offer. A hard inquiry may follow later in the process if you proceed to final approval. If a personal guarantee is required, missed payments could affect your personal credit, and timely payments can help build your business credit.
Get Financing Today
Apply online in minutes and get an approval decision for your small business funding in as little as 4 hours.
