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Fast & Flexible Business Loans

Expand your business with the right type of financing with terms that match your strategy.

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Solve the Capital Equation

Many growing businesses get stuck between opportunity and access. You know there is demand, and you are ready to move, but lenders want proof you can operate at a larger scale. We match businesses with lenders that see opportunity, so that you can access the capital you need to grow.

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5-minute application & 24-hour approval
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One-on-one service. Say “goodbye” to lender call centers.
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We negotiate with lenders on your behalf.
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Our packaging means less hunting and a faster close.

Why Choose Us ?

Three steps to capital

Save Time & Money

Our thorough process prepares your business for borrowing, working to ensure there are fewer delays and a faster close.

Get Expert Loan Advice

We prioritize borrower knowledge. When you work with 4T’s Capital Funding you get more than a loan. You gain the knowledge to borrow smarter.

Get Multiple Loan Options

Our commitment is to provide options. Because we are not the lender’s representative, we source many choices to empower you to act.

BUSINESS FINANCING

Our Services

We source funds for a full range of business applications, including:
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Commercial Real Estate Loans

Purchase multifamily, office, retail, or industrial properties to expand your holdings.
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Fix & Flip

Purchase and renovate properties for resale with fast-acting funds that operate on a lifecycle of three years or less.
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Construction Loans

Build from the ground up or rehabilitate major facilities with construction financing staged based on construction milestones.
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Equipment Loans

Access the tools and technologies of your trade with financing that won’t leverage your current assets.
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Factoring Accounts Receivable

Accelerate cash flow with a factoring contract that delivers funds upon contract approval. Deliver consistently without wondering where funds will come from.
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Hard Money

Leverage assets to free up captive capital, lower interest rates, and to put money to work for your business.
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Lines of Credit

Beat business credit card rates and increase your limits with secured or unsecured lines of credit.
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SBA Loans

Lower monthly payments and access reasonable business interest rates with federally backed funds. Find out if you qualify.
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Working Capital Loans

Balance your cash flow with a combination of funds that help you maintain flexibility as you grow and take on new clients.
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Get started now. Access the capital necessary to thrive.

Our process is simple. With a little information we begin positioning your business for borrowing. Through a consultative process we vet and include or exclude potential lenders based on your goals. We facilitate professional packaging to expedite your loan through the financing pipleline to insure you receive funds in the shortest time possible.

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Our Blog

Read the latest on the financing industry
Construction Loans: Why Developers Shouldn\’t Wait for 2025

Construction Loans: Why Developers Shouldn\’t Wait for 2025

Discover how upcoming changes in the commercial real estate (CRE) financing market may impact your projects. Learn why it\’s crucial to secure construction loans before 2025, as lender appetites shift due to valuation challenges, debt maturity pressures, and evolving market conditions. With fewer lending opportunities and competitive financing predicted, acting now could be your key to long-term success in a changing industry.

Is It Time to Refinance?

Is It Time to Refinance?

This article summarizes Q4 economic predictions and helps you decide if it\’s the right time to refinance your business debt. Discover the benefits of refinancing, view a simple cost-saving example, and learn how to prepare your business to reach its goals in 2025.