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.
How to Choose an Invoice Factoring Company
A practical decision guide for small business owners: confirm factoring is the right tool, compare companies on what actually matters, and spot the contract clauses that cost you later.
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Invoice Financing for Small Business: How It Works
Invoice financing lets small businesses unlock 70–90% of unpaid invoice value within 24–48 hours. Learn exactly how it works, what it costs — with a worked $10K example — and when to use it.
Equipment Financing with Bad Credit: What Are Your Options
Bad credit doesn't close the door on equipment financing. Learn which lenders work with scores as low as 500, what rates to expect, and how to build a stronger application.
Ready to grow?
Apply now — no obligation, no hard credit check.