Senior attention from day one
You speak with decision-aware advisors from the first conversation — not account managers, not intake specialists.
About 4 Pillar Funding
A boutique commercial finance partner for owner-led companies.
We help business owners and finance leaders navigate the non-bank capital market with clarity, direct accountability, and facility recommendations grounded in real operating context.
Our story
Founded by operators who understand what business owners need from a capital partner.
4 Pillar Funding was built on a simple principle: business owners deserve senior attention, clear guidance, and practical capital options — not a call center, not a generic application, and not a one-size-fits-all product pushed without context.
Based in Saratoga Springs, New York, we work directly with owners, CFOs, and finance leaders across the United States to evaluate working capital facilities from $50K to $20M. Every conversation starts with understanding your business before recommending a structure.
We publish exactly how we work and how we are compensated, and hold our content to written editorial standards — because in commercial finance, opacity is the industry default and we think transparency is better business.
Understand your options clearly
We explain tradeoffs in plain language: cost, speed, documentation requirements, flexibility, and repayment fit for your situation.
Recommendations built around your business
Every facility recommendation is structured around use of funds, repayment capacity, and operating context — not a generic product grid.
Leadership
Founder-led. Directly accountable.
Ryan Hurley
Ryan works directly with business owners to evaluate non-dilutive working capital options, compare facility structures, and navigate the tradeoffs between speed, documentation requirements, cost, and flexibility. Forbes Business Council member. Named to Albany Business Review's 40 Under 40 class of 2026.
Sean Hurley
Sean supports clients through the capital review and funding process with a focus on clear communication, mutual fit, and practical structuring for operating businesses across industries.
Recognition
Measured by growth, accountability, and client outcomes.
Inc. 5000 — No. 251 (2024)
Ranked #251 on the Inc. 5000 list of fastest-growing private companies in America. Top 5% nationally.
Inc. 5000 — No. 2,027 (2025)
Back-to-back Inc. 5000 recognition with 214% three-year revenue growth. Sustained, not one-time.
Albany's 2nd Fastest Growing
Named the second fastest-growing company in the Albany region by Albany Business Review (2025, small division).
40 Under 40 — Albany (2026)
CEO Ryan Hurley recognized in Albany Business Review's 40 Under 40 class for leadership in commercial finance.
Credentials
Trust built on transparency and accountability.
Forbes Business Council
Recognized membership for expertise in commercial finance advisory and capital markets guidance.
BBB A+ Rating
Accredited with the Better Business Bureau with an A+ rating reflecting consistent professionalism and client satisfaction.
110+ Trustpilot Reviews
Consistent client feedback reflecting transparent communication and professional handling throughout the funding process.
Saratoga Springs, NY
Established local presence with a national client base spanning manufacturing, healthcare, transportation, and professional services.
Ready to talk about your capital needs?
Start with a consultation. No application required upfront.