Business loans & CRE from 6% — 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.
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.
Investing in rentals? Read the DSCR loan requirements guide — ratio math, credit floor, and LTV caps.
- 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.
Don't wait on capital — start today, fund in 24 hours.
Unsecured working capital from $30K to $2M and commercial real estate from 6% — 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.
The local business loan store
Three flagship programs. One friendly team that knows urban and rural markets.
Purchase, Refinance & Equity
Acquire new rentals, refinance existing doors, or pull equity out for the next deal — DSCR and asset-based programs built for investors.
Explore investment property programs
Working capital & equipment
Fast unsecured working capital with minimal documentation options available and 24-hour funding after docs received. Equipment refinancing and business lines of credit also available.
Explore small business programs
Acquire, build, refinance
Mixed-use, retail, multifamily, and agricultural — DSCR, LTV, and a real human who knows your local market.
Explore commercial real estate programsClosed-End Second (CES) — Investment Property Equity
Pull equity out of a non-owner-occupied rental without refinancing your low-rate first mortgage. $50,000 – $750,000, up to 80% CLTV, with Full Doc, Bank Statement/1099, P&L Only, or DSCR (min 1.00) qualification. Combined lien balances to $3.5M at 80% CLTV or $4M at 75% CLTV. Full appraisal required; investment property only.
Every program at a glance
Max LTV, max loan size, and starting rates for the full lineup. Click “View more” for full guidelines.
| 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% | |
| Cannabis 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% |
Indicative figures only. Final pricing, LTV, and terms depend on the full borrower and property profile.
Approvals most lenders won't touch — and equity you can actually access.
Because we shop across a deep shelf of business and investment-property lenders, our approval rates run well above the typical bank. If you own an investment property with trapped equity, we make it simple to unlock — DSCR cash-out, bridge, and asset-based programs that qualify on the deal, not just your tax returns.
- ~90% approval for qualified business owners across our funder network.
- Up to 80% LTV cash-out on investment properties — pull equity for the next deal.
- DSCR programs qualify on property cash flow, not W-2 income or tax returns.
- One application, multiple offers side-by-side — you pick the fit.
Approval rate
~90%
For qualified business owners
Max cash-out LTV
80%
Investment property equity
Loan range
$30K – $2MM
Unsecured business loans
Time to fund
24 hours
Same-day options available
$30,000 to $2,000,000 — funded in three simple steps.
No collateral. No pledged real estate. Just a fast, transparent process built for business owners who need capital now.
Application
~5 minutes
Complete a short online application with your basic business info and last 4–6 months of bank statements. No tax returns required for most programs.
Approval & Doc Collection
Same day
Receive real offers side-by-side. Your advisor helps you choose the best fit and gathers any final documents needed to close.
Funding
Within 24 hours
Sign digitally and funds hit your business account — often the same day for complete files received before the 3 PM cut-off.
Equipment, credit lines & fast working capital
Three partner-funded programs with full parameters, document lists, and worked illustrations on each page.
Equipment financing
New and used equipment funded from a dealer, vendor, or private party.
- $30,000 to $5 million
- No set credit score minimum
- Financing rates from 8.5%
Business line of credit
Draw, repay, and draw again — pay interest only on what you use.
- $1,000 to $500,000+
- No credit score minimum
- Affordable interest rates
Fast working capital
One application, multiple offers, funding as fast as the same day.
- $1,000 to $500,000+
- No credit score minimum
- Competitive financing rates
Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Applying opens the partner's secure prequalification portal in a new tab.
Run 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 property, borrower, and underwriting.
Your local business loan store — 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.
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.