Stripe Capital vs Fora Financial

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Stripe CapitalStripe	Fora FinancialFora Financial
In one line	Advances repaid as a cut of your Stripe sales	Short-term loans with published factor rates and fees
Starting price	Flat fee, no interest	Factor rates from 1.13
Six-person team	Flat fee, no interest	Factor rates from 1.13
Plans	One flat fee per loan, no interest; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	Loans and revenue advances up to $1.5M over 4-18 months; factor rates 1.13-1.50 (early payoff can cut to 1.05); origination fee from 2.5% plus a wire fee; daily or weekly payments
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Stripe only	Soft credit check to apply
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK	US
Phone support	Every plan	Plans not stated (US)
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	Fora Financial has a public status page. Status page
Trustpilot score	Not listed	4.7 / 5 from 1,122 reviews
Fit: Retail shop	50	72
Fit: Restaurant or café	40	75
Fit: Service business	60	65
Fit: Agency or studio	60	50
Fit: Trades or contractor	40	70
Fit: Online store	90	60
Why people pick it	No paperwork Repayment flexes with sales	Published factor-rate range and fees Early payoff discount, no prepayment penalty
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Short terms make the cost high Its pages list different minimums
	Visit Stripe Capital ↗	Visit Fora Financial ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices