Business funding without the runaround
Capital based on the revenue you already produce, from $10,000 to $2,000,000. One application, a real answer from a real person, and funds in your account in as little as 24 hours.
No collateral. No application fee. Checking your options does not affect your credit.
Three steps, and none of them involve a branch visit
Traditional lenders take weeks to tell you no. We use your actual revenue, not a credit committee, and we tell you where you stand the same day.
Apply in under ten minutes
A short form covering your business, time in operation and monthly revenue. No tax returns, no business plan, no personal guarantee upfront.
Send three months of statements
Upload them securely or connect your bank read-only. This is the only underwriting document we need to make a decision.
Review terms and get funded
You see the full cost, the remittance schedule and the term before you sign anything. Approved files fund the same or next business day.
Know the number before you talk to anyone
Most funders make you hand over your details before they will tell you anything. Move the slider and see the range your revenue supports — no form, no credit pull, no phone call.
- —Based on the same multiple our underwriters start from
- —No personal information required to see a range
- —A real offer follows three months of statements
See what you could qualify for
Most approvals land between 80% and 150% of a month's revenue.
Estimate only, based on typical revenue based funding. Actual offers depend on time in business, deposit consistency, industry and existing obligations.
We fund our own deals, and we know when not to
Foretrust underwrites and funds with its own capital, so decisions are ours to make. When a file needs a product we do not offer, we place it with a vetted partner rather than forcing a fit.
Revenue based funding
Capital today against the revenue your business is already producing. Remittance can flex with your card sales or run as a fixed ACH against total deposits, whichever fits how money actually reaches you.
Business line of credit
Draw what you need, pay only on what you use, and reuse the line as you repay. The right tool for recurring gaps in working capital rather than one large purchase.
Term loans, SBA and equipment
Some files need a product outside our box. We place those with vetted partners, introduce you directly, and stay involved through closing rather than handing you off.
Compare funding options with clear information
We underwrite industries most lenders decline outright
Seasonality, thin credit and irregular deposits are not disqualifiers here. They are the normal shape of a working business.
Not on the list? Most of what we fund is not. Call and ask.
Why operators come back to us
You talk to the same person start to finish
No call centre queue and no handoff to a closer you have never spoken to. The person who takes your file is the person who funds it.
The full cost is on the term sheet
Factor rate, total remittance, term and every fee, in plain numbers, before you sign. If a number changes, we tell you why.
Renewals priced on performance
Pay as agreed and your next round costs less. We track your history and it earns you better terms, which is how it should work.
We say no quickly
If the file does not work, you hear it the same day with the reason. Nobody benefits from a two-week maybe.
For banks, credit unions and referral partners
You decline the majority of the small business applications that reach you, and the relationship usually ends there. Foretrust funds with its own capital, so a referral is not passed down a broker chain. You send the file, we underwrite it, and your client stays your client.
See the partner program- ✓We are the funding source. Your file is not brokered out or shopped to a panel
- ✓Warm handoff for declined credit files, with status visibility on every referral
- ✓Competitive referral compensation, paid on funding
- ✓Documented disclosure practices in every state that requires them
- ✓Your client returns to you bankable, not buried in stacked positions
Foretrust funded us in a day when our bank had been sitting on the file for a month. They walked through the whole cost before we signed, which nobody else did.
Questions worth asking before you take capital
What is revenue based funding, exactly?
It is a purchase of your future receivables, not a loan. You receive capital today and remit an agreed portion of your revenue until the purchased amount is delivered. Because it is a sale rather than a loan, it carries a factor rate rather than an interest rate, and it is not reported as debt in the way a term loan is. Some states classify this as sales-based financing, and we disclose it that way where required.
How is the cost calculated?
Your funded amount is multiplied by a factor rate to produce the total remittance. $50,000 funded at a factor of 1.30 means $65,000 remitted in total. The cost is fixed at signing and does not increase if repayment takes longer than projected.
What do you actually need from me?
A completed application and your three most recent months of business bank statements. For larger requests we may ask for a fourth month, a voided check and proof of ownership. We do not require tax returns or a business plan.
Does applying affect my credit?
Reviewing your options does not. We pull a soft inquiry to assess the file. A hard inquiry only occurs if you accept an offer and proceed to funding, and we tell you before it happens.
Can I qualify with bad credit or existing funding?
Often, yes. Approval weights deposit consistency and time in business more heavily than credit score. Existing positions are not automatically disqualifying, though they affect the amount and the terms available to you.
What happens if my sales drop?
On a percentage-based structure, your remittance drops with them. On a fixed ACH structure, contact us before a payment fails. Reconciliation is available on most files and we would rather adjust the schedule than watch an account default.
Find out what you qualify for today
Ten minutes to apply, three months of statements, an answer the same day.
Start my application