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).

What are 4 Hour Funding’s rates?

4 Hour Funding offers business loans with fixed APRs starting from 10% to 99%.

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 a loan with 4 Hour Funding?

4 Hour Funding doesn’t disclose its credit score minimum. 4 Hour Funding requires companies to be in business for at least 18 months.

Only U.S. citizens and permanent residents can apply for a loan. To qualify, applicants may need to provide the following documentation:

  • Proof of Identity
  • 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, 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

Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Self-Employed
Military Status
  • Non-Military
  • Veterans
Minimum Months in Business
Verification Documents Required
  • Proof of Identity
  • Proof of Income
Loan Amount
Up to
Loan Term (Months)
24 - 60
1 360
10% - 99%
0% 100%+

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