Business loans & CRE from 6.5% on select programs — funding in 24 hours.
Get pre-qualified in minutes. Local underwriting, 24‑hour funding, and real‑human support for small business, investment property, and commercial real estate.
How much funding do you need?
Takes about 60 seconds · no credit pull to start
Select your state to see loan programs and market notes for your area.
Secure, TLS-encrypted application. For commercial financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
- Avg. response
- < 1 day
- Approval rate
- ~90%
- Loans funded
- 2,400+
Don't wait on capital — start today, fund in 24 hours.
Unsecured working capital from $20K to $2M and commercial real estate from 6.5% on select programs — requests submitted today get a same-day callback and can fund within 24 hours once documents are received. Every day you wait is a day of deals, equipment, and inventory you can't move on.
- • Same-day callback from a real local advisor
- • Minimal documentation for unsecured working capital
- • Rates and pricing move with the market — lock your terms early
*Funding timelines and pricing vary by program, documentation, and approval.
Every program at a glance
Max LTV, max loan size, and starting rates for the full lineup — investment property, commercial real estate, equipment financing, and unsecured business capital.
| Program | Max LTV | Max loan | Rate from | Details |
|---|---|---|---|---|
| Fix & Flip 100 | 100% | $0.5M | 12% | |
| Bank Statement Loans | 90% | $3M | 7.5% | |
| Condo Loans | 90% | $4M | 7.25% | |
| 1099 Loans | 90% | $2M | 7.5% | |
| DSCR / Investor Loans | 85% | $3M | 7% | |
| LTV Stacking | 85% | $3M | 7.5% | |
| Asset Qualifier Loan | 80% | $3M | 7.25% | |
| High-Risk Business Income Loan | 80% | $2M | 8.75% | |
| 1 Year P&L Product | 80% | $2M | 7.75% | |
| Closed-End Second (CES) — Investment Property Equity | 80% | $0.75M | 9.5% | |
| Foreign National CRE | 75% | $3M | 8.25% | |
| Bridge Star Loan | 75% | $2M | 9% | |
| No Minimum DSCR | 75% | $2M | 8% | |
| Unsecured Business Line of Credit | Unsecured | $500K+ | Varies | |
| Unsecured Fast Working Capital | Unsecured | $500K+ | Varies | |
| Unsecured Business Capital | Unsecured | $2M | Factor priced |
Indicative figures only. Final pricing, LTV, and terms depend on the full borrower and property profile.
Closed-End Second (CES): pull rental equity, keep your low first mortgage
Cash out the equity in a non-owner-occupied investment property without refinancing the first lien you already have. Stand-alone or piggyback, with light-doc Bank Statement/1099, P&L Only, or DSCR qualification.
- $50,000 – $750,000 loan amounts
- Up to 80% combined LTV
- First mortgage stays untouched
- Credit scores from 660
Investment property only. Not available in U.S. Territories, MI, NJ, NY, TN, or WV.
- Loan amount
- $50K – $750K
- Max CLTV
- 80%
- Indicative rate
- 9.5% – 12.5%
- Min FICO
- 660
- Max combined lien balance
- $3.5M at 80% CLTV · $4M at 75% CLTV
Two ways to get started
Business owners apply and track their deal in a client portal. Brokers sign up and submit deals directly for the fastest response.
For business owners
Apply in minutes and your account is created automatically. Sign in anytime to see your loan amount, term, and where your deal stands.
Client sign-upFor brokers
Sign up free, submit deals straight through the broker portal, and track every response without a phone tag.
Broker sign-upFunded in three simple steps.
Minimal documentation. No pledged real estate. Funding within 24 hours after documents are received.
Application
~5 minutes
A short online application plus your last 4–6 months of business bank statements.
Approval & docs
Same day
Real offers side-by-side. Your advisor helps you pick the fit and gathers final docs.
Funding
Within 24 hours
Sign digitally and funds hit your business account — same-day options available.
Approval rate
~90%
For qualified business owners
Max cash-out LTV
80%
Investment property equity
Loan range
$20K – $2MM
Unsecured business loans
Time to fund
24 hours
Same-day options available
A local loan store for urban, suburban, and rural markets
Main Street storefronts, suburban strip centers, and county-road operations all get the same underwriting attention — commercial real estate from 6.5% on select programs and unsecured business capital from $20,000 to $2,000,000, with DSCR investment loans starting at $75,000.
Urban business loans
Downtown retail, mixed-use, office and infill multifamily — CRE, bridge and fast working capital for city operators competing on speed.
Suburban business loans
Strip centers, medical and professional suites, service contractors and suburban rentals — DSCR from $75,000 and equipment financing with minimal docs.
Rural business loans
Feed stores, shops, farms-adjacent businesses and small-town Main Street — flexible collateral views and unsecured capital funded in 24 hours.
Quick answers before you apply
Your local business loan store — ready when you are.
Answer three questions and an advisor calls you back with program fit and next steps.
Secure, TLS-encrypted application. For commercial financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
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