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Tier 4 are lenders who provide funding for higher risk small business owners (new businesses, low credit, high-risk or restricted industries). Terms tend to be shorter, and origination costs a bit higher. However, the benefit of a Tier 4 product is that you usually have access to more financing that with a lower tier lender and lenders are willing to lend to a wider array of small business owners. Further, fewer stipulations are usually included and funding can come in as little as 30 minutes, depending on the lender.