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The Company

Four Point Capital provides innovative funding products to help small businesses increase working capital, improve cash flow, and take advantage of growth opportunities. These products, including PAYgrow payroll funding, deflect the challenges that arise from diminished credit availability and changes in lending practices and provide capital by allowing businesses to fund its payroll on terms, turning a normal, predictable expense into a source of cash.

Four Point Capital evaluates requests for funding in a non-traditional way and focuses more on strength of asset base and experience of management than cash flow. We establish a credit limit based upon your needs and your ability to collateralize the credit. We then craft a predetermined payroll float period of 30 to 60 days that correlates with the amount of credit extended.

For example, if a business has a monthly payroll, tax and benefit liability of $30,000 and needs $45,000 in credit, that would correlate to 45 day payment terms for that business’s payroll and related liabilities. Four Point Capital’s affiliate, Four Point HR, then processes all payrolls and debits each payroll amount in accordance with your float period terms.

Four Point Capital serves as a responsible partner to your business and your employees, and provides you the capital that returns your focus to operations, growth and profit. We establish a mutually beneficial partnership in which we charge responsible fees, back them up with unparalleled service and work closely with your company to build a long-term relationship.

The Result

  • Customized debt and asset funding solutions to give businesses the cash they need
  • Simplified processes from the application process to the Web-based back end operations
  • Positive cash flow without intrusion into customer relationships
  • Greater opportunity for growth through access to capital that is normally tied up in company payroll
  • Proactive, professional customer communication


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