Five Oceans Capital

ForwardLine Financial, LLC, established in 2003 and based in Woodland Hills, California, specializes in providing alternative financing solutions to small businesses across the United States. The company primarily offers short-term loans with terms ranging from six to fifteen months, utilizing technology and non-traditional credit algorithms to assess creditworthiness. This innovative approach allows ForwardLine to serve businesses that traditional banks often deem too small or risky for loans, with a focus on financing based on credit card sales rather than assets. By doing so, ForwardLine has introduced a new model of financing, commonly known as merchant loans or merchant cash advances, which has significantly impacted the small business lending landscape. Their streamlined online application process ensures a quick and efficient experience, offering instant credit decisions and funding as soon as the next business day, thereby enabling thousands of small business owners to access the capital needed for growth.