Start now, not next fiscal year.
Most rebuilds cost about what the company already pays software vendors each year. Fora can spread that cost into fixed weekly payments, so the work can start this quarter instead of waiting for next year's budget.
See what financing changes.
Enter the project cost and the SaaS spend it would replace. The calculator compares financing with paying cash and includes Fora's early-payoff discounts.
We assume your current SaaS bills run until the rebuild ships, then stop.
Held to full term: illustrative 31% fixed fee, no payoff check to write.
Three-year software spend
Illustrative math, not an offer. The model uses Fora's July 2026 quote: up to 18 months, fixed weekly drafts, a 10% effective rate in the first quarter of the term, and 15% in the first half. Later payoff rates are estimates toward the 31% full-term quote; actual terms depend on underwriting. The defer option finances up to six months of payments. Rebuild totals exclude hosting and maintenance, while SaaS totals assume no annual price increases.
Fora provides the financing. Your company owns what we build.
Your company signs directly with Fora. Runpoint's price stays the same whether you borrow or pay cash, and we receive no financing fees.
Send the file
For $20,000 to $250,000, Fora asks for an application and four months of business bank statements. From $250,000 to $1.5 million, it asks for six months of statements, a year-to-date profit and loss statement and balance sheet, accounts receivable and payable aging, a debt schedule, and the latest business tax return. Above $1.5 million, we call first.
Fora reviews it
Underwriting uses a soft credit pull and a short call to understand the business. Requests over $400,000 go to a credit committee that meets daily. Approval has no cost.
Funds arrive
Once approved, funds can arrive by wire within days. Fora can split larger projects into two installments, 30 to 60 days apart, to match how we bill the build.
Repay on a fixed schedule
Terms run up to 18 months with equal weekly drafts. Repaying within the first quarter of the term drops the effective rate to 10%; repaying within the first half drops it to the mid-teens. The financing takes no equity and requires no restrictive covenants or warrants.
The questions a CFO asks first.
Is this really cash-flow neutral?
Payments begin after funding. Fora can finance up to the first six months of payments along with the project, giving most builds time to reach go-live before cash leaves the company. That cushion raises the amount financed and the fee; the calculator includes both.
Who is likely to qualify?
Fora's current profile is a privately owned, US-based business with $1 million to $50 million in annual revenue, at least six months of revenue-producing operations, and no open bankruptcies. There is no EBITDA requirement. Requests from $500,000 to $1 million are squarely in its wheelhouse; the client sheet lists checks up to $3 million.
What does it cost?
Fora sets a fixed fee during underwriting. At the full 18-month term, the fee typically runs from 20 to 35 percent of the amount financed. Paying early lowers it. The calculator shows the written early-payoff windows and labels the rest as estimates.
Why finance if we have the cash?
Most clients pay cash, and that costs less. Financing may make sense when the rebuild is missing from this year's budget and the next planning cycle is a year away. If a key SaaS renewal comes first, the company may be locked into another year of payments.
Bring us your SaaS bill and your renewal dates.
We'll show you what a rebuild would cost and whether financing makes sense for your timing. If it doesn't, we'll say so.