Financing programs
18 program categories across five groups, from working capital through commercial real estate. What separates the platform is not the catalog. It is that a file is evaluated against the criteria a funding source applies before it is ever presented to one.
Before the submission
A funding source evaluates a file against defined criteria: revenue behavior, existing obligations, documentation completeness, business credit reporting, and how consistently the entity presents. That evaluation normally happens after a file is submitted — at the point where the only outcomes left are approval, counteroffer, or decline.
The platform runs that evaluation before submission. The same categories of analysis, applied at a different moment — while what it finds can still be acted on.
This is the difference between being told what is wrong and being told what is wrong in time to fix it. A thin credit file, an address that does not match across records, a missing document, an obligation that changes how a request should be structured — each is routine work when it surfaces early, and each is a reason for decline when it surfaces late.
The boundary
This is analysis, not approval. Four Corner Holdings, LLC is not a bank, lender, broker-dealer, or financial institution, and does not make credit decisions. The platform evaluates readiness against the criteria funding sources apply. It does not hold the decision, and no platform output is an approval, a pre-approval, or a guarantee of any outcome.
What the evaluation reads
Business credit reporting
What the business credit file shows, which tradelines are reporting, and where reporting is thin or absent — read before a funding source reads it.
Entity and identity consistency
How the business presents across formation records, listings, and filings. Inconsistencies that look trivial to an owner are a common source of friction in review.
Cash-flow and obligation analysis
Revenue behavior and existing obligations evaluated under the model appropriate to the request, whether traditional cash-flow or revenue-based.
Documentation completeness
Which documents a given structure requires, which are present, and which are missing — determined before a submission goes out rather than after a request comes back.
Readiness over time
Position tracked as the file changes, so progress is visible and the timing of a submission is a decision rather than a guess.
Business-credit data is accessed through approved system workflows on defined refresh cycles — never on user demand, and never triggered by a borrower.
Problems surface while they are still fixable
A gap found before submission is a task. The same gap found after submission is a decline sitting in the file. The work happens in the order that keeps options open.
Documented rules instead of improvised answers
Guidance comes from the same framework every time, so what one team member tells a client matches what another would. Consistency is a product feature, not a matter of who answered the phone.
Submissions go out prepared
Documentation assembled, inconsistencies resolved, and the structure matched to the request before anything is presented for review.
The catalog
Grouped by how each instrument is underwritten rather than by lender or product name. Which structure fits a given business is determined by the file, not by the category it starts in.
Financing structured around business operations and cash flow, where repayment is drawn from ongoing revenue rather than a specific asset.
Revolving credit for working capital and business operating expenses, drawn and repaid as needed rather than taken as a single lump sum.
Fixed monthly payments over a defined period, used for expansion, equipment, hiring, or consolidating operating costs.
Repayment calculated as a percentage of monthly revenue, so the payment moves with business performance instead of staying fixed.
Funding structured against daily credit-card and bank receipts, repaid through a portion of those receipts as they are collected.
Structured to retire existing short-term advances and replace multiple obligations with a single longer-dated position.
All financing is originated and underwritten by independent third-party funding sources and is subject to their underwriting, credit approval, documentation verification, and final discretion. Structures and terms shown describe the instruments themselves, not an offer, a commitment, or an indication that any particular business qualifies. Availability and terms vary. Not all applicants qualify.
Financing partially guaranteed by a government program, which generally allows longer amortization than conventional commercial debt.
The broadest SBA structure. Used for working capital, business acquisition, equipment, refinancing, and commercial real estate.
Long-term financing for owner-occupied commercial real estate and major equipment purchases.
An SBA-backed structure with streamlined underwriting requirements relative to standard SBA processing.
Smaller-balance SBA financing for startups and established businesses, covering working capital, inventory, equipment, and growth.
All financing is originated and underwritten by independent third-party funding sources and is subject to their underwriting, credit approval, documentation verification, and final discretion. Structures and terms shown describe the instruments themselves, not an offer, a commitment, or an indication that any particular business qualifies. Availability and terms vary. Not all applicants qualify.
Financing underwritten primarily against property value, project economics, or rental income rather than the operating business.
Purchase, refinance, or renovation of commercial property held for business use or investment.
Investment-property financing evaluated on the property's rental income rather than the borrower's personal income.
Short-term financing that covers the gap between acquiring or repositioning a property and arranging permanent financing.
Short-term financing for the acquisition and renovation of investment property intended for resale.
Ground-up construction financing for new development, typically drawn in stages against completed work.
All financing is originated and underwritten by independent third-party funding sources and is subject to their underwriting, credit approval, documentation verification, and final discretion. Structures and terms shown describe the instruments themselves, not an offer, a commitment, or an indication that any particular business qualifies. Availability and terms vary. Not all applicants qualify.
Financing secured by a specific asset, where the equipment itself carries much of the structure.
Financing for the purchase of new or used business equipment, secured by the equipment acquired.
Financing for commercial trucks, trailers, fleets, buses, and other transportation equipment.
Releases capital from equipment the business already owns free and clear, converting an owned asset into working capital.
All financing is originated and underwritten by independent third-party funding sources and is subject to their underwriting, credit approval, documentation verification, and final discretion. Structures and terms shown describe the instruments themselves, not an offer, a commitment, or an indication that any particular business qualifies. Availability and terms vary. Not all applicants qualify.
Financing for change of ownership, where underwriting weighs both the acquiring party and the business being acquired.
Financing to acquire an existing business, a franchise, or an ownership interest in an operating company.
All financing is originated and underwritten by independent third-party funding sources and is subject to their underwriting, credit approval, documentation verification, and final discretion. Structures and terms shown describe the instruments themselves, not an offer, a commitment, or an indication that any particular business qualifies. Availability and terms vary. Not all applicants qualify.
Important
Platform outputs support readiness evaluation and workflow. They are not credit decisions and are not guarantees of approval. Product availability, terms, and eligibility vary. Not all applicants qualify. Program categories describe the types of financing the platform can route. No specific structure, amount, rate, term, or timeline is offered or guaranteed to any business, and eligibility for any category is determined by the funding source, not by Four Corner Holdings, LLC.
Next step
A structured walkthrough of how a file is read, what the platform flags before submission, and how the routing decision is made. We qualify first so the session is worth your time.
Financing is subject to underwriting and program eligibility. Platform outputs support readiness evaluation and workflow; they are not guarantees of approval.
