Revenue-appropriate facilities
We serve companies from $1M to $500M in revenue. Facility size, documentation, and structure scale to match your operation.
Private Credit Advisory
Capital structured around your business.
Working capital facilities from $50K to $20M for U.S. operators with $1M—$500M in revenue.
$500M+
Capital deployed for U.S. operators since inception
Most capital providers treat every business the same. Fill out the application, get a number, take it or leave it. We think that's backwards. The structure should follow the situation — not the other way around.
Trusted by operators
- 1,000+
- Businesses funded
- 50+
- Industries served
- $500M+
- Capital deployed
- 48hr
- Avg. preliminary recommendation
Inc. 5000 #251
Forbes Business Council
BBB A+ Rated
1,000+ Businesses Funded
50+ Industries
$500M+ Deployed
Albany 40 Under 40
110+ Trustpilot Reviews
Why operators choose 4 Pillar
Built for companies that have outgrown simple lending.
Whether you're managing $5M or $300M in revenue, we structure capital around how your business actually operates — not around a one-size-fits-all product.
Use-of-funds structuring
Every facility is evaluated around proceeds, repayment capacity, seasonality, and receivables behavior — not just credit score.
Consultation-first process
Speak with an underwriter or advisor before submitting any sensitive documents. No blind applications.
Transaction-backed credibility
Our recommendations are grounded in real deal experience across manufacturing, transportation, healthcare, and professional services.
Our approach
Consultation first. Application when you're ready.
Most capital providers push you toward an application before you know whether the product is right. We start with a conversation about your business, timing, and use of funds — then recommend a facility structure that fits.
When you're ready to move forward, our documentation process scales to your situation. A $200K line of credit requires different materials than a $10M asset-based facility, and we handle both with the same level of attention.
See how we compare to banks, online lenders, and other capital providers.
Capital solutions
Explore our full range of working capital facilities.
Line of Credit
Flexible access for recurring working capital needs.
View DetailsAsset-Based Lending
Facilities supported by receivables, inventory, or equipment.
View DetailsEquipment Financing
Capital for revenue-producing assets and fleet replacement.
View DetailsRevenue-Based Financing
Flexible capital evaluated around deposits and use of funds.
View DetailsView all capital solutions — including PO financing, factoring, SBA, debt refinancing, and acquisition capital.
What clients say
Trusted by operators who value substance over speed alone.
"They understood our receivables cycle and seasonal compression before we finished explaining it. First capital partner that felt like they'd actually read our financials."
"We needed $1.5M in 3 weeks for a project mobilization. Our bank said 60 days minimum. 4 Pillar structured a facility around our milestone schedule and funded in 11 days."
"The consultation alone was worth it. They showed us why a line of credit was wrong for our situation and recommended a structure that actually matched our cash flow."
The right capital structure changes a business. The wrong one constrains it. Our job is knowing the difference.
Ryan Hurley, CEORecent transactions
Real capital deployed for real operators.
Working capital facility supporting purchase order growth and supplier deposit requirements during a 3x revenue expansion.
Liquidity solution addressing seasonal receivables compression and payroll pressure across a 200+ driver fleet.
Bridge capital enabling a second-location expansion without equity dilution or personal guarantee exposure.
View more case studies across manufacturing, transportation, healthcare, professional services, and other industries.
Ready to discuss your capital needs?
Start with a consultation. No application, no credit pull, no commitment at this stage.