Lending built for every local market — city and country.
Homes, small businesses, and commercial real estate — financed by people who know both downtown blocks and back-country roads. Get pre-qualified in minutes, talk to a human the same day.
- Avg. response
- < 1 day
- Markets served
- Urban & Rural
- Loans funded
- 2,400+
People, not portals
Your loan officer answers their own phone — whether you're in the city or out on the farm.
Fast, automated pre-qual
Submit online from anywhere; get a real callback the same day.
Local underwriting
Decisions made by people who know your market — urban or rural.
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.
Loans for the way you actually live and work — in town or in the country
Three flagship programs. One friendly team that knows urban and rural markets.
Buy or refinance
City condos, suburban starters, and farmhouses alike. Conventional, FHA, VA, USDA, and jumbo — matched to your market.
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Working capital & equipment
From the downtown cafe to the rural feed store — fast SBA-backed and conventional loans for Main Street, everywhere.
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Acquire, build, refinance
Mixed-use, retail, multifamily, agricultural, and owner-occupied — DSCR, LTV, and a real human who knows your local market.
Learn moreRun the numbers in seconds
Our commercial real estate estimator computes payment, LTV, and DSCR live — so you walk into a conversation already informed.
Commercial Real Estate Estimator
Lenders typically look for 1.25x or higher.
For estimation only. Final terms depend on credit, property and underwriting.
Ready when you are.
Submit a quick inquiry and we'll reach out within one business day with next steps and a real human to talk to.