These are all ways to get immediate access to your future business income. Put simply, you sell tomorrow’s money at a discount so you can spend it today.

Merchant cash advance (MCA) is the quickest solution with the least paperwork, and it's best for businesses that can't get approved by banks or don't have time to wait. Funders care about consistent revenue from customers.

• Standard approval: Over 1 year in business, $20K+ monthly sales
• Typical cost: 1.20-1.50 factor rate (the amount you pay back).
• Usual term: 3-12 months
• Repayment: Fixed % of sales, withdrawn either daily or weekly

Invoice factoring is an advance tied to specific B2B invoices. Best for suppliers, freight, staffing and manufacturers whose customers pay on 30, 60 or 90 day terms. Funders care more about the buyer’s credit than yours.

• Standard approval: Reputable, credit-worthy customers, over 6 months of transaction history with customers, no defaults / UCCs
• Typical cost: 3-10% per 30 days
• Usual term: 30-120 days
• Repayment: When invoice is paid by customer

Revenue-based financing is the middle-ground option: slower than an MCA, faster than a bank, cheaper and less controlling than selling equity. These are usually for software, subscription and e-commerce companies with recurring revenue that can be verified with finance platforms.

• Standard approval: Clean credit, 12-18+ months operating history, healthy customer retention
• Typical cost: 1.3-2X total repayment depending on term
• Usual term: 6-24 months
• Repayment: 5-15% monthly revenue automatically withheld by payment processor

No, our financing is not a loan, and we don't offer any loan products. Instead, we purchase a portion of your future revenue for a flat rate with a flat fee structure, called the "factor rate."

For example, with a $10,000 advance and a factor rate of 1.2, you'd pay back $12,000.

The rates we can offer vary widely based on your business' performance, industry, other financing activity, the term of the repayment, and more. Generally, you can expect our rates to be around the same as the industry standards: usually between 1.1 and 1.4 for most businesses.

The main things you'll need are:

• Time in business: at least 6 months, preferably over 1-2 years
• Monthly revenue: at least $10,000, preferably over $25,000
• A business bank account and at least 3 months of recent bank statements

We also look at your revenue consistency, industry, and other financing activity.

We don't require great credit, collateral, or complicated paperwork - unlike banks.

Learn more about our process here.

Alternative financing generally does cost more than traditional bank loans, because we take on more risk and provide funds with fewer requirements and faster approvals. Many of our clients are in a difficult financial situation that banks won't touch - but we can.

We always ensure that payments fit comfortably within your cash flow. The important question isn't "Is it expensive?" but "Will the return on using these funds outweigh the cost?" 

That's why our goal is to provide more than just funding - we want to give you practical advice on how to strengthen your business so that you can get approved for cheaper capital in the future. 

We're also direct with our perspective - if we think you can qualify for rates cheaper than ours, we're proud to tell you and show you how, because we always want you to get the best deal on your money.

We work with most industries including restaurants, retail, construction, healthcare, transportation, manufacturing, professional services, and more.

We fund businesses ranging from $10,000 to over $5 million in monthly revenue. Whether you're a small local business or a growing mid-sized company, we have solutions tailored to your specific industry challenges and opportunities.

No, we never perform hard pulls on your credit, even though many competitors do. In fact, we actively partner with a credit repair team to help remove improper hard pulls from your profile and improve your score for future financing, as part of our mission to get you a better deal.

While we do consider your overall financial health, we place much greater emphasis on your business performance and cash flow than personal and business credit history. Many of our clients have less-than-perfect credit because we understand that personal financial challenges don't define your business's potential.

In rare cases, we may perform a "soft pull" on your credit, which doesn't affect your credit score or show up on your credit profile.

We directly fund between $10,000 and $1,000,000. The exact amount your business qualifies for is typically between 20-60% of your average monthly revenue. 

We also work with partners to fund amounts smaller and larger than our direct range.

Payments are simple, automatic, and structured to work with your cash flow, not against it. Your payment amount is typically a percentage of your daily/weekly sales, and we offer daily, weekly, bi-weekly, and monthly payment frequencies depending on what makes the most sense for your business.

Payment amounts and frequency are something we discuss with you during our consultations, so please bring up any questions or concerns you have when speaking with your 4D Advisor.

Talk to us as soon as you're worried a payment will bounce or overdraft your account. We're here to work together, not demand repayment during a week you can't afford.

Things we can help with when you contact us:

• Reviewing your cash flow and giving advice
• Adjusting payment amounts and schedules temporarily
• Providing bridge funding during a tough period

The worst thing you can do is stop payments without talking to us. If that happens, we'll try our best to get in touch and figure out a solution - but if you go dark, our last resort is to move to collections, which we always want to avoid. We never want a negative impact to your business.

The alternative financing industry tends to have a poor reputation because many competitors use misleading language, lack transparency, charge excessive fees, and use aggressive sales and collection tactics. These practices are unfortunately common - but we do things different.

We've built 4D on transparency, fair pricing, and sustainable funding relationships that prioritize your success with us, not for us. We're partners in your growth, not simply providers of capital. That's why we include strategic guidance and support beyond just funding, helping you build toward cheaper, more sustainable financing options in the future.

Yes, we can still work with you. We specialize in working with high-risk companies. A default, UCC, or bankruptcy isn't an automatic decline for us, but we'll need to understand the specific circumstances of your business.

It's important that you're honest with us. Unfortunately, many merchants that apply will hide bad MCA history, and some will even falsify documents in their application, which hurts us and is the main reason our rates are higher than bank rates.

We understand the nature of alternative financing and we're here to help work through issues you may have had with competitors.

We get it. You're not alone - many business owners have had negative experiences with alternative financing. That's why we started 4D - to do things different:

• Complete transparency about costs and terms
• Active consultation and advice before, during, and after funding
• Personalized offers structured for your success
• Dedication to helping your business find less expensive capital in the future

Competitors might say all of the same things. But we prove it, each step of the way. Schedule a consult with us and see what we mean.

Possibly. As direct lenders, we're often cheaper than brokers or middlemen because we don't add commissions, markups, or junk fees.

But we won't promise we can beat competitor's rates because our offers are based on how we evaluate your business, not a competitor's approval.

It's always good to get a few opinions. We're happy to discuss what we can offer and any other offers you may have - if they're better than ours, we'll tell you!

Our leadership has over a decade of experience in finance and business administration, and we've collectively funded over $100,000,000.

We've seen countless situations - from inspiring comebacks to horror stories - and that's why we've started 4D in 2025: because you deserve a better deal.

We understand your skepticism - we're well aware that many competitors are constantly launching new names, because they've burned their reputation. But we're here to stay, and we hope that our transparency and dedication to your success will continue to grow our brand.

Our goal is for every contact to become a testimonial, even those that don't become a client. Contact us to see what we mean.

We're happy to work with brokers that share our dedication to transparency, consistency, and success of our merchants. We offer:

• Same-day approvals (typically within 2-4 business hours)
• Straightforward submission requirements
• Live broker support and shareable materials
• Fast, transparent payouts

Unlike many competitors, we have an approval process for our brokers to make sure they're aligned with our values. After an interview, we'll contact some of your current and past customers to hear their experience with you, and we'll also review your online presence to confirm you're operating ethically.

These guardrails allow us to offer a best-in-class customer experience - and that makes it easier for you to close deals with your merchant.

Please send us an email to learn more and schedule a meeting. Thanks for your interest!