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thank you for the qualified comment though
I'm using a M.2 drive and only experience this hanging when retrying a business event. If I retry before the race is finished it comes up very quickly, it only delays if you restart the race after completion. 5800X3D, RTX 3080 and 32GB 3600Mhz RAM. Plenty of room on the 2TB M.2 also. So yes, I can confirm it's not a hardware issue.
but the tip with just restarting the event from the pause menu instead of finishing the job then retrying saved me. thanks
All good, I got fed up waiting also so just kept eye on time and if I'm not going to make it I just restart in the menu to save time.
https://www.reddit.com/r/forza/comments/d9bw24/fix_for_slow_forza_horizon_4_load_times_and_login/
https://photos.app.goo.gl/Eue48MFab7vq8g5h8
TLDR; Remove CarPass, Bond Pack, and Formula Drift.
In your driver settings (ATI/Nvidia control panel), find the graphics settings for Forza 4 and set VSync to "Always on".
For me, this eliminated the sequence in which you see a Mc Laren Senna driving in different seasons. This sequence tries to optimize graphic settings.
A different solution that refers to the same problem is to delete the "TargetHardwareProfiler.dll" in the game folder (didn't work for me).
This is the only consistent thing that has worked for me, too. I'll try deleting all for the "free" cars that came with each extra pack at some point later. Now to figure out how to get the character voices to stop talking with me for each event.
Glad it's helping people. Not a fix but something we can do to make our lives a little bit easier.