Where does 4 Hour Funding do business?

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)..

Does 4 Hour Funding charge an origination fee?

Yes, 4 Hour Funding charges a loan origination fee. 

What limitations does 4 Hour Funding set on the purpose of the loan?

Some lenders only provide business loans for certain purposes. 4 Hour Funding offers considers loan applications for the following reasons:

  • Equipment purchase

What types of business loans does 4 Hour Funding offer?

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:

  • Secured term loans

Does 4 Hour Funding charge a late fee?

No, 4 Hour Funding will not charge you a late fee. Yes, 4 Hour Funding charges borrowers with a late payment fee.

Does 4 Hour Funding charge prepayment fees?

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.

What do you need to qualify for a loan with 4 Hour Funding?

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:

  • Proof of income

What is the estimated funding time for a business loan via 4 Hour Funding?

4 Hour Funding can approve (or deny) a loan application within 4 hours and fund business loans within 1 business day of approval.

  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Months in Business
  • Verification Documents Required?
    • Business Formation Documents
    • Proof of Income
    • Proof of Residence
    • References
  • Business Loan Type
    Secured Term Loan
  • Intended Use of Funds
    • Equipment Purchase
    • Lease Improvements
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    Starting at 1
  • Loan Amount
    Up to $100000
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