4 Hour Funding is a direct lender based in Plano, TX. It was founded in 2014 and offers access to business loans in 50 states (and Washington, DC)..
Yes, 4 Hour Funding charges a loan origination fee.
Some lenders only provide business loans for certain purposes. 4 Hour Funding offers considers loan applications for the following reasons:
Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. 4 Hour Funding provides access to the following business loan types:
No, 4 Hour Funding will not charge you a late fee. Yes, 4 Hour Funding charges borrowers with a late payment fee.
Yes, 4 Hour Funding charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.
4 Hour Funding doesn’t disclose its credit score minimum.
4 Hour Funding requires businesses to be in business for at least 18 months in business. Active duty servicemembers and their covered dependents are eligible to apply for a loan via 4 Hour Funding. Its rates and terms fall within the limits of The Military Lending Act.
Only U.S. citizens and permanent residents can apply for a loan.
To qualify, applicants may need to provide the following documentation:
4 Hour Funding can approve (or deny) a loan application within 4 hours and fund business loans within 1 business day of approval.
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