The project works. It just missed this year's budget.
Most clients pay cash, and cash costs less. Financing is for the cases where waiting would mean another planning cycle and another year of software contracts.
The tradeoff is straightforward: expect the project to cost roughly 15 to 30 percent more, depending on when the financing is paid off.
See the cost of moving the project into this year.
Enter the project cost and the SaaS spend it would replace. The calculator shows the financing premium, the year-one budget impact, and the cost of waiting.
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, 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
Fora starts with an application and recent business bank statements. Larger requests also need current financials, receivables and payables reports, a debt schedule, and the latest business tax return.
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 or pay off early
Terms run up to 18 months. 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.
Can this avoid a new budget request?
Sometimes. Fora can finance up to the first six months of payments along with the project, giving many builds time to launch before cash leaves the company. That cushion raises both the amount financed and the fee; the calculator includes it.
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. Paying off within the first half of the term can bring the effective rate to the mid-teens. At the full 18-month term, the fee typically runs from 20 to 35 percent of the amount financed. The calculator labels estimates clearly.
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.