Company overview
Brokerage · HQ · Saratoga Springs, NY
Merchant cash advanceLine of creditInvoice factoringSBA loansTerm loan
4 Pillar Funding, legally known as 4 Pillar Consulting, LLC, is a financial services brokerage that connects small businesses with a network of third-party lenders for various financing solutions. The company operates primarily as an intermediary, marketing itself as the fastest-growing online small business brokerage in New York's Capital District.
Company focus
- Legal name
- 4 Pillar Consulting, LLC
- Business role
- Brokerage
- Headquarters
- Saratoga Springs, NY
- Founded
- 2019
- Employees
- 11-50
- Geography
- Nationwide
- Excluded industries
- Firearms, Cannabis, Adult Entertainment, Gambling
- Specialties
- Fast Funding: The company prominently advertises a rapid funding process, with claims of providing working capital 'as quickly as 24 hours' and within a 24-48 hour window from the submission of a completed application., Broad Product Offering (Brokerage Model): As a brokerage, 4 Pillar Funding provides access to a diverse range of financial products from a network of third-party lenders. This includes Merchant Cash Advances (MCA), Revolving Lines of Credit, Invoice Factoring, SBA Loans, and Term Loans, allowing them to cater to a wide variety of small business needs., Renewal Program: The company has a renewal process in place, as evidenced by its privacy policy and SMS marketing programs which mention contacting customers regarding 'renewal eligibility.' However, specific details such as the required pay-down percentage or renewal cadence are not publicly disclosed., Client Education: The company positions itself as an educator for clients on alternative lending options, aiming to guide them through the process of securing financing., Accessibility for Lower Credit Scores: The company's product guidelines indicate an accessible entry point for businesses, with minimum FICO score requirements as low as 500+ for products like MCAs, Term Loans, and SBA Loans.
Reported eligibility
- Minimum credit score
- 500
- Monthly revenue from
- $8,333
- Time in business (months)
- 6
- Accepts stacked positions
- No
- Maximum positions
- 0
Funding & terms
- Funding from
- $8,333
- Funding up to
- $5,000,000
Third-party reputation
- Reported research
- The company maintains a strong positive reputation on major online review platforms. On Trustpilot, it has an 'Excellent' rating of 4.8 out of 5 stars from over 1,200 reviews. Similarly, its Google Business Profile shows a 4.7 out of 5-star rating from approximately 450 reviews. The overwhelming majority of reviews are positive, consistently praising the speed and efficiency of the funding process, the professionalism and responsiveness of the staff, and the company's ability to provide capital when traditional banks would not. The small number of negative reviews echo the themes found in BBB complaints, focusing on a perceived lack of transparency regarding rates and repayment terms, and feeling misled about the total cost of capital.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.