4 Hour Funding

4 Hour Funding

in Business Loans from 4 Hour Funding


4 Hour Funding


in Business Loans from 4 Hour Funding

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Loan Amount Up to $100,000
APR 10% - 99%
Loan Term (Months) 24 - 60 months

4 Hour Funding Review

4 Hour Funding is a business financing offering by 4 Hour Funding, based in Plano, TX. Founded in 2014, 4 Hour Funding offers access to business loans in 50 states (and Washington, DC).

4 Hour Funding FAQ

What are 4 Hour Funding’s rates?

4 Hour Funding offers a business financing product that ranges from 10% APR up to 99% APR.

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?

4 Hour Funding considers loan applications for business purposes, such as:

  • Equipment Purchase
  • Working capital

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 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 is the maximum loan term you can get with 4 Hour Funding?

4 Hour Funding offers business loans with terms ranging from 24 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for 4 Hour Funding?

4 Hour Funding requires companies to be in business for at least 18 months. Businesses don't have to meet a minimum annual revenue to be considered.

4 Hour Funding does not require or does not disclose a credit score minimum.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the 4 Hour Funding product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by 4 Hour Funding. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Proof of identity

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.

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

About 4 Hour Funding


  Available in 50 states and Washington, D.C.
  • 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

Employment Statuses Considered Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
  • Veterans
Minimum Months in Business 18
Verification Documents Required
  • Proof of Identity
  • Proof of Income
Loan Amount Up to $100,000
APR 10% - 99%
Loan Term 24 - 60 months

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