4 Hour Funding

in Business Loans

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4 Hour Funding


in Business Loans

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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.

SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


  • Headquarters
  • 1400 Preston Road
    Plano, TX 75093 USA
  • Visit Site


Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Months in Business
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Verification Documents Required
  • Business Formation Documents
  • Proof of Income
  • Proof of Residence
  • References
Loan Amount
Up to

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