Responsible funding

Last updated: September 9, 2026

This is a draft prepared for review. Have counsel licensed in each state where you operate review and approve it before publication, and review it again when a state rule or product changes.

Capital that a business cannot carry is not a service to anyone. These are the commitments we hold ourselves to, and the ones you should hold any funder to.

State disclosures come first

These commitments do not replace any disclosure, notice, right or remedy required by the law that applies to your transaction. Review the State disclosures page and the final disclosure and agreement for your business before signing; those documents control if this general guide differs from them.

We show the whole cost before you sign

Factor rate, total remittance, term, remittance amount and frequency, and every fee. In plain numbers, in writing, before signature. If a figure changes between offer and closing, we tell you what changed and why.

We size to what the business can carry

An approval is capped by what the deposit history supports, not by what the merchant asks for or what maximises our revenue. We will offer less than requested when that is the honest number.

We do not push stacking

Taking a second or third position on top of existing funding is how healthy businesses get into trouble. Where a merchant already carries positions, we account for them, and we will decline rather than add weight a business cannot handle.

We reconcile when revenue falls

If sales drop, contact us before a payment fails. If your agreement or applicable law provides a reconciliation process, we explain how to request it and what information is needed. Do not assume that reconciliation, an adjustment or a waiver is available unless the agreement or applicable law says so.

We decline quickly and explain why

A file that will not work gets a same-day answer and a reason. We do not keep merchants waiting to protect a pipeline number.

We price renewals on performance

A merchant who has paid as agreed may be considered for different renewal terms. Renewal pricing, eligibility and any new disclosure depend on the new offer, underwriting and applicable state requirements; prior performance does not guarantee a lower cost.

Tell us if we fall short

If any of this does not match your experience with us, contact info@foretrust-funding.com or call (215) 514-6931. A commitment nobody can hold us to is not a commitment.