Check business funding eligibility with no hard credit pull and no obligation to accept an offer.

CB Cal Barton Cashback Credit & Funding Intelligence

Recommended funding partner Check My Options

Business funding • Soft credit check

See how much business funding you may qualify for with no hard credit pull.

Fora Financial helps established, revenue-producing businesses check funding eligibility online. Applying is free, there is no obligation to accept an offer, and checking your options will not affect your credit score.

Check My Funding Options

Free application No obligation Review the full terms before accepting

Potential business funding Up to $1.5M Amount and eligibility depend on underwriting.

No hard pull

Fast decision process Approval status may be available in as little as four hours after required documents are received.

Credit score stays untouched The application uses a soft credit check that does not affect your credit score.

Simple documentation Be prepared to provide your three most recent business bank statements.

See What My Business May Qualify For

Financing is not guaranteed. Amounts, terms, products, approval timing, and funding timing vary by provider and applicant.

6+ months Generally required time in business

$20K/mo Approximately $240,000+ annual revenue

570+ Published minimum personal FICO guideline

3 statements Recent business bank statements to prepare

Before you apply

Make sure this is the right lane for your business.

This is designed for established businesses with consistent deposits, not brand-new companies looking for startup money.

Meeting the published minimums does not guarantee approval. Fora reviews the full business profile, including revenue consistency, cash flow, credit history, industry, existing obligations, and documentation.

Your business has been operating for at least six months.
You consistently generate around $20,000 or more in monthly gross revenue.
You use a U.S. business checking account with regular deposits.
You need working capital for a clear business purpose and can support repayment from cash flow.

Your business is pre-revenue or less than six months old.
You are looking for a grant, a 0% APR business credit card, or a credit-building tradeline.
Your business cannot comfortably support daily or weekly payments if those are included in the offer.
You plan to accept funding without reviewing the total repayment amount, fees, payment frequency, and term.

What happens next

A straightforward path from application to decision.

You can check eligibility without committing to take the money.

Complete the online application

Share basic information about yourself, your business, time in business, annual revenue, and business checking account.

Submit your recent bank statements

Fora generally asks for three recent business bank statements. A Capital Specialist may request additional information based on your application.

Review the offer before deciding

Compare the amount, total repayment, term, payment frequency, fees, and provider. You decide whether the offer makes sense for your business.

Business loans and revenue advances may be issued by Fora Financial, Celtic Bank, or unaffiliated third-party funding providers. The provider should be identified in the agreement before you sign.

Use the capital strategically

Funding should solve a real business problem.

The best use is one that supports revenue, protects cash flow, or creates a measurable return.

Bridge a cash-flow gap

Cover payroll, rent, or operating expenses while waiting for customer payments or a seasonal revenue cycle.

Purchase inventory

Buy stock ahead of a busy season, fulfill a large order, or capture a supplier discount when the economics make sense.

Expand the business

Support equipment, hiring, a new location, renovations, or marketing tied to a clear growth plan.

My take

Check the offer. Then judge the numbers, not just the approval.

I am sharing this because a lot of business owners want to know what may be available without putting another hard inquiry on their credit. But approval is only the first step. Before accepting anything, make sure you understand the total repayment, how often payments are taken, how the payment fits your cash flow, and exactly who is providing the capital.

— Cal Barton

Common questions

Know what you are checking before you apply.

These answers are general. The final agreement controls the actual product, provider, cost, and repayment terms.

Will checking my options hurt my credit score?

Fora states that its application uses a soft credit check that does not affect your credit score.

What are the general minimum requirements?

Published guidelines generally include at least six months in business, approximately $240,000 in annual revenue, a personal FICO score of 570 or higher, a U.S. business checking account, and no open bankruptcy. Other underwriting criteria apply.

What documents should I have ready?

Start with your three most recent business bank statements. Depending on the amount, product, provider, and business profile, additional documentation may be requested.

Is this a traditional bank loan?

Not necessarily. Available financing may include a business loan, revenue advance, line of credit, or another product from Fora or a funding partner. Confirm the product type and provider in the agreement.

What should I compare before accepting?

Look beyond the approved amount. Review the total repayment, term, payment frequency, payment amount, origination or other fees, prepayment terms, collateral or UCC provisions, and the effect on monthly cash flow.

Is approval or funding guaranteed?

No. Approval, amount, product, provider, pricing, terms, decision timing, and funding timing depend on underwriting, documentation, business hours, and applicant qualifications.

See what may be available without putting a hard inquiry on your credit.

Check your eligibility, review the details, and only move forward if the numbers make sense for your business.

Ready to check your options?

The application is free, uses a soft credit check, and does not obligate you to accept an offer.