Business funding without the runaround.
No hard credit check. No salesperson. No nonsense.
How it works
Three steps to funded
From application to deposit in under 24 hours — no boilerplate.
Apply
Answer a few questions about your business.
Review
We'll review and reach out the same day.
Fund
Money in your account in as little as 24 hours.
Built for the businesses that built Main Street. Same-day decisions, no boilerplate, and a real person on the other end of every application.
Funded for local operators
Average time to funding
From 200+ business owners
Surprise fees, ever
Trusted by local operators across the country
We had funds in the account by end of day. The team asked the right questions and moved fast.
Camino Bakery, Head of Operations
I expected the usual back-and-forth. fundlocal just looked at the business and gave us an answer the same afternoon.
Granite Coffee Co., Lead Buyer
Best small-business lender we have worked with. Real people, fast answers, fair terms.
Westside Auto, General Manager
From the blog
Tips, stories, and updates for local business owners.
Documents Needed for Business Funding: Complete Checklist
Know exactly what documents lenders want before you apply for business funding — organized by funding type, with explanations of what each document reveals to an underwriter.
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How to Build Business Credit: A Step-by-Step Roadmap
A phase-based roadmap to building business credit — from legal foundation and bureau registration to trade lines and score monitoring — without touching your personal credit.
What Credit Score Do You Need for a Business Loan?
Exact minimum credit score requirements by loan type — SBA, bank, online, and equipment financing — plus what lenders weigh beyond FICO and how to close the gap if your score falls short.
Ready to grow?
Apply now — no obligation, no hard credit check.