Who is 4 Hour Funding?


Hour Funding Advantages

  1. Customer can see the equipment and take it home the same day!
  2. Many customers are buying because they have an immediate need – they want it now.
  3. Vendors are paid prior to delivery (unlike current leasing programs which pay after delivery).
  4. Customers who must wait 4+ days for funding can lose items to cash paying customers.

Most auction and web-based companies do not deal with equipment financing companies because their sales timeline is faster.

The financing contract often serves as the “line-in-the-sand” that fully commits the customer. The longer it takes to conclude, the more likely it is that the sale will be lost.

Customer service is most recognized when service is fast and efficient.

How it Works

Apply Online

(3 Minutes)

In order to speed the approval process, all applications must be entered online. 4HourFunding.com does not accept fax or email scanned applications. Our simplified online application only takes 2 minutes to fill out!

Credit Approval

4HourFunding.com processes your application and issues a credit decision (usually within 2 hours) by email.

Electronic Documents and Signature

(1 Hour)

4HourFunding.com emails legally binding documents for electronic signature.  The customer signs his/her documents on their computer or cell phone.  The transaction is now considered closed.  No checks are needed to close as 4HourFunding.com will ACH the customer’s bank account at funding time.


4HourFunding.com sends 100% of invoice amounts to the vendor. Unlike many funding companies, we pay 100% of invoice prior to any delivery of equipment.  All funding’s are paid by ACH so you receive your money fast!