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.
Revenue-Based Financing for Small Businesses: What It Costs and When It's Worth It
Revenue-based financing lets small businesses repay a lump sum as a percentage of monthly revenue — with no fixed payment and no equity given up. Here's what it actually costs, who it fits, and five red flags to watch for before you sign.
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Working Capital Loans for Small Business: A Practical Guide
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Short-Term vs. Long-Term Business Loans: A Decision Framework Built on Total Cost
Choosing between a short-term and long-term business loan isn't just about rates — it's about total cost of borrowing and monthly cash flow impact. This guide gives you a concrete decision framework with worked examples.
Small Business Term Loans Explained: Types, Rates, and How to Choose
A small business term loan gives you a lump sum of capital upfront, repaid over a fixed term — anywhere from 3 months to 25 years. Learn the types, real costs, lender options, and when a term loan is (and isn't) the right tool.
Ready to grow?
Apply now — no obligation, no hard credit check.