Had a very bad experience with Forward Line this week. Worked with them to get a very small business loan--$5,000-$8,000. Was verbally told by rep it was approved. Spent a number of hours on the phone, and online getting the documents to "protect their interests". Had a very large loan with them in approximately 2008 for $85,000 that my company at that time paid off a little slower because of the economy crash and housing crises. We deal in fine art and framing. They got all their money and interest which is not cheap. So went through the procedure now to get a small new loan being told it was approved by the rep, and then was waiting for over 24 more hours and no call back. Left numerous messages. I assumed something was wrong no calls back etc. Then when I speak with the rep he tells me my score is fine but something else is wrong and it is disapproved after I was already told I was "approved." Actually I got the money elsewhere and am relieved as the upfront large interest fee is added in front of the loan, and I plan to pay it off early which would cost me a lot of upfront interest. By the way the reason it was disapproved was because in the bad 2008/2009 economy it took extra time to pay off the $85,000 loan which they anyways collected a ton of interest off me and my processing fees and extra money to paid off the loan, of which had my Visa/MC processing business to take it out of. I would suggest to look elsewhere as in my opinion they charge excessive interest, and set it up so it is a win/win situation for them and do not really care about the end user. By the way I like the person who helped me attempt to get the loan, he was very helpful, but in reality the executives are looking out for their interests of course with not a lot of care for the end user in my opinion. You can contact them and make your own judgement. Reason I give them a 3 is the rep is a good guy and gave it a strong attempt to get through to management. Much more economical ways in my opinion to get a good loan that can be paid off fast without so much up front interest added in the front end.