Our Programs


4-Hour Funding Programs

Application-Only Program

4 Hour Funding offers you an Application-Only approval program for up to $200,000, but the rules can vary based on the amount. Unlike many firms, 4 Hour Funding looks at numerous non-credit bureaus and scoring information to approve deals. Factors that may allow us to approve deals outside of our normal parameters include:

  • The company (or business owner) owns the business real estate
  • Extremely good bank balances (over $25,000+)
  • Long time in business (10+ years)
Application-Only $150k-$200k Program

4 Hour Funding now offers Application-Only approvals for amounts between $150,000 and $200,000.

Laser & Light Therapy Program

Certain types of Laser and Light Equipment are not acceptable for financing through the Centra 4 Hour Funding system. Weaker Laser Systems (class 1 and 2) and LED Therapy equipment have very few medical benefits and 4 Hour Funding does not believe that customers can economically employ these units.  All lasers must be FDA Approved – not just FDA cleared.

Medical/Dental Program

The Medical and Dental Program gives your applicant credit for the time in business based upon their medical license start date versus their practice start date.  As a result, your medical and dental applications will score out at a better credit tier and will also allow you to offer attractive payments your new and start-up medical applications. 

No Prepayment Penalty Contract Program

4 Hour Funding now offers the no prepayment penalty program for customers who specifically ask for this feature or want a short-term funding solution and do not want to be locked into a long-term contract. Not many lenders offer this program, but this is perfect for competitive situations. 

New Business Program Up to $75K

4 Hour Funding offers a New Business Program for businesses incorporated for less than 2 years up to $75K for select equipment and industries.

90-Day Deferral Program

Your customers may be eligible for the “90-Day Deferral Program”.  This program is restricted to customers approved at credit tier 2A or better.

6-Month Step Program

This new program offers deferral contract beyond 90-days and is only offered for amounts between $35,000 and $100,000. This program is restricted to applications approved for credit tiers 1A, 1B, or 2A. 

Monthly Bonus Program

4 Hour Funding is currently offering Brokers the ability to earn a monthly bonus based upon your monthly production.


Centra Funding Customer Mobile App

Now available for our customers!

The new Centra Funding Customer App was released in the summer of 2020 for all 4 Hour Funding/Centra customers. Customers can access all their account details right from their phone! To gain access, customers should contact customerapp@centrafunding.com.