4 Pillar Funding logo

4 Pillar Funding

Saratoga Springs, NY private credit advisory arranging $50K–$20M working capital: lines of credit, term loans, ABL, equipment, factoring, PO and SBA financing.

E-commerce & Marketplace Financing:
Revenue-Based Financing
Inventory & Purchase Order Financing:
Purchase Order FinancingInventory Financing
Receivables Financing:
Invoice Factoring
Term Loans & Lines of Credit:
Online Term LoansBusiness Lines of Credit
SBA & Government-Backed Loans:
SBA 7(a) Loans
Asset-Based & Equipment Financing:
Asset-Based LendingEquipment Financing & Leasing
Cash Advances:
Merchant Cash Advance
Growth & Structured Debt:
Acquisition Financing
Tags:
#Inventory#$1m+#Working Capital#Large Purchase Orders#Buying A Business#Unpaid Invoices#Equipment#Broker / Marketplace

Rates & Cost

What the financing costs, normalized so lenders can be compared.

Estimated APR:
Lender does not publish
Pricing (as quoted by lender):
"Non-dilutive working capital facilities from $50K to $20M for privately held U.S. companies."
Fees:
Lender does not publish (broker/advisory fee, if any, not disclosed)
Early payoff:
Lender does not publish

Repayment Terms

How and how fast you pay it back, and how flexible it is.

Repayment schedule:
Depends on product: installments (loans/LOC), on customer payment (factoring), daily/weekly debits (MCA)

Eligibility & Access

Who qualifies and what you have to put on the line.

Funding amount:
$50K–$20M facilities
Minimum revenue:
Targets companies with $1M–$500M revenue
Minimum time in business:
Lender does not publish
Credit check:
No credit pull for the initial consultation; underwriting terms not published
Collateral & lien:
Lender does not publish

Speed & Service

How fast you get funded and how the lender treats you.

Time to funding:
Preliminary recommendation in ~48 hours (site); sales email claims most clients funded in 24–48 hours
Lender status:
Needs verification

LenderMap Scores

Our composite score and borrower-reported data. Paid placement never affects scores.

What borrowers say:
BBB A+ (accredited since 2021); Trustpilot 4.1/5 from ~112 reviews (93% 5-star, 5% 1-star citing pushy sales calls)
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4 Pillar Funding is a Saratoga Springs, New York firm that calls itself a private credit advisory and arranges non-dilutive working capital for privately held U.S. companies. Its site lists facilities from $50K to $20M across lines of credit, term-style loans, asset-based lending, equipment financing, invoice factoring, purchase order and inventory financing, revenue-based financing, SBA and bank-style loans, debt refinancing and acquisition financing, and it targets companies with $1M to $500M in revenue. The process starts with a consultation rather than an application, with no credit pull at that stage, and the firm says it delivers a preliminary recommendation in about 48 hours. It does not publish rates, fees or terms, and it does not say whether it funds deals itself or places them with outside lenders. The company has operated since 2019 under CEO Ryan Hurley, holds an A+ BBB rating (accredited since 2021) and a 4.1 Trustpilot score from about 110 reviews, though a minority of reviewers report aggressive sales calls and merchant cash advance upsells.

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