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I don't know about any money cheats as I've not used them with SC4. What I use are the money building/park mods. Place a few when starting a new city, let time move forward a couple of months to allow the buildings to generate income, then once you've reached the desired amount, start building. Another option is a Simoleon Mod. Place the file with the desired Simoleon amount in the mod folder before starting a new city, and away you go. I much prefer the money buildings though, as they can be used to provide a steady income, rather than a single boost at the start of a new city.
Money Parks: http://www.simtropolis.com/stex/details.cfm?id=2223 Simoleon Mod: http://www.simtropolis.com/stex/details.cfm?id=21283 Simoleon Mod (Increased amounts, for Rush Hour only): http://www.simtropolis.com/stex/details.cfm?id=21312
If you're unsure how the mods work, refer to the directions contained in the description of each mod. Further instructions on how to use mods can be found at the Simtropolis.com forums. Basically though it comes down to placing your mod/addon files into the proper folder in you SC4 program folder. Try not to run too many mods at once, and don't use multiples of the money mods I listed above at the the same time.