4 Hour Program Funding

For... Construction Restaurant & Food Truck Medical & Dental Manufacturers

$200,000 - Application Only
100% Prefunding
60 Months (5 Years)
6 Month & 90 Day Deferred Program
No Pre-Payment Penalty
Titled Vehicles Allowed
Medical Program
New Business Program

Get Started Today & Speak With An Advisor

First Name

Last Name

Business Name

Email Address

Business Phone

Mobile Phone

Your Credit Score

Your Industry

Time in Business

Annual Sales

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How To Qualify For 4 Hour Funding

3 + Months in Business

We fund all businesses, from the most ancient, to those taking their first steps (with 650+ credit) and everything in between.

5,000 Monthly Gross Sales

If your credit score is 650 or higher, there are no required sales minimums — TRAM has the perfect financing option for you!

600 FICO Score

You don’t need squeaky clean credit to qualify for a small business loan—we work with all credit profiles.

FinTech
Speed

Easy 15-second application to get options in just minutes and funding in hours!

TRAM's Way to Fund Equipment Purchases

TRAM Funding combines efficient application processing/decisioning along with eliminating the redundant funding processes.
Approvals usually happen in under 120 minutes and documents arrive in the customer’s email in minutes.
Documents are signed on their cell phone or computer using e-signature technology and completion of the document signing triggers funding.

How It Works

Step 1 - Apply Online

In order to speed up the approval process, all applications must be entered online.
TRAM Funding does not accept fax or scanned email applications.
Our simplified online application only takes 2 minutes to fill out!

Step 2 - Credit Approval

TRAM Funding partners will process your application and issues a credit decision (usually within 2 hours) by email.

Step 3 - E-Docs & E-Signatures

Legally binding documents are emailed for electronic signature.
The customer signs his documents on their computer or cell phone.
The transaction is now considered closed.
No checks are needed to close. Funding completed through ACH at the customer’s bank

Step 4 - Funding

TRAM Funding partners sends 100% of invoice amount to the vendor.
Unlike many funding companies, 100% of invoice is paid prior to any delivery of equipment.
All fundings are paid by ACH, so your vendors receive their money fast!

Why is Fast Important?

Fast access to good financing is the most critical element in any high priced equipment purchase. The speed of car financing is the biggest reason why car sales dwarf every other heavy equipment sales item in the world. Until now, the same convenience was not available to vendors selling business equipment.

Consider the advantages of a 4 Hour Equipment Financing solution:

Customers can see the equipment and take it home the same day!
Many customers are buying because they have an immediate need – they want it now!
Vendors are paid prior to delivery (unlike current leasing programs which pay after delivery).
Customers who must wait 4+ days for funding can lose items to cash paying customers.
Most auction and web-based companies do not deal with equipment financing companies because their sales timeline is slower.
The financing contract often serves as the “line in the sand” that fully commits the customer. The longer it takes to conclude the more likely it is that the sale will be lost.
Customer Service is most recognized when service is fast and efficient.

10 Reasons Why
TRAM Funding Offers
Best Financing Options

		Bank	Direct Lenders
Paperwork	3 Months Bank Statements No Tax Returns Required	2 Years Tax Returns 2 Years Financials	3 Months Bank Statements 1 Year Tax Return 1 Year Financials
Application	One Page – One Minute DocuSign	Lengthy Paper Intensive	Multi – Page Application
Number of Lenders	75 +	1	1
Service Level	Business Advisor	Processor	Programmatic
Approval Process	Hours / Days	Weeks / Months	Days / Weeks
Speed to Funding	Hours / Days	Months	Days / Weeks
Collateral Requirements	Not Necessary	Always	Sometimes Required
Business Profitability	Not Necessary	Last 2 Years	Sometimes Required
Credit Score	No Minimum FICO	680 + FICO	600 + FICO
Credit Check	Soft Pull	Hard Pull	Hard Pull

Creating Opportunities

Seize the opportunity to grow your business and gain access to the capital you need.

4 Hour Program Funding

Simple Application

No Minimum FICO

Larger Amounts

Same Day Funding

How To Qualify For 4 Hour Funding

3 + Months in Business

5,000 Monthly Gross Sales

600 FICO Score

TRAM's Way to Fund Equipment Purchases

How It Works

Step 1 - Apply Online

Step 2 - Credit Approval

Step 3 - E-Docs & E-Signatures

Step 4 - Funding

Why is Fast Important?

10 Reasons Why
TRAM Funding Offers
Best Financing Options

Creating Opportunities

4 Hour Program Funding

Simple Application

No Minimum FICO

Larger Amounts

Same Day Funding

How To Qualify For 4 Hour Funding

3 + Months in Business

5,000 Monthly Gross Sales

600 FICO Score

TRAM's Way to Fund Equipment Purchases

How It Works

Step 1 - Apply Online

Step 2 - Credit Approval

Step 3 - E-Docs & E-Signatures

Step 4 - Funding

Why is Fast Important?

10 Reasons Why TRAM Funding Offers Best Financing Options

Creating Opportunities

10 Reasons Why
TRAM Funding Offers
Best Financing Options