Overview of FundLocal: Who We Are and What We Offer

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Welcome to FundLocal, where we specialize in providing local businesses with access to better funding options. Whether you're looking to expand your business, purchase new equipment, or simply manage your cash flow, FundLocal is here to make the funding process as simple and stress-free as possible. We understand the unique needs of small businesses, and our goal is to help you secure the capital you need to grow and thrive.

Who We Are

FundLocal is dedicated to supporting the backbone of our economy: local businesses. We work with small businesses across a wide range of industries, from construction and restaurants to manufacturing and auto repair. Our clients are typically owner-operator businesses with annual revenues of less than $5 million, and we pride ourselves on offering personalized funding solutions tailored to the needs of each business.

Our team is passionate about helping entrepreneurs like you access the funding you need without the hassle of traditional lending. We know that time is money, so we’ve streamlined our process to ensure quick decisions and fast funding.

What We Offer

At FundLocal, we offer several types of business financing options, designed to meet the varying needs of small businesses:

  1. Business Lines of Credit
    A flexible funding option that allows you to borrow as needed and only pay interest on what you use. A line of credit is ideal for managing cash flow, handling unexpected expenses, or taking advantage of new business opportunities as they arise.

  2. Equipment Financing
    Need to purchase or upgrade equipment for your business? Equipment financing helps you acquire the tools and machinery you need without large upfront costs. This option is perfect for businesses that rely on expensive equipment to operate, such as manufacturing, construction, or auto repair.

  3. Working Capital Loans
    If you need short-term financing to cover everyday operational expenses—such as payroll, inventory purchases, or marketing—our working capital loans can help. These loans provide the quick cash you need to keep your business running smoothly without disrupting your operations.

Our Process: Fast, Simple, and Transparent

At FundLocal, we’ve made the application and approval process as easy as possible. Here’s how it works:

  1. Provide Basic Business Information
    Share some essential details about your business to get started. We don't need a lot of paperwork—just enough to understand your needs.

  2. Receive a Quote with No Obligation and No Hard Credit Check
    Once we have your information, we'll send you a funding quote. There’s no obligation to proceed, and our quote won’t affect your credit score.

  3. Submit Your Application
    If you like the offer, you can proceed with a formal application. We make this step quick and easy, so you can get back to running your business.

  4. Upload Your Business Bank Statements
    Depending on your location (3 months of bank statements for most states, 4 months for CA, NY, and UT), we'll review your recent business activity to assess your eligibility.

  5. Get an Approval Decision
    We pride ourselves on quick decisions—typically within a few hours to the next business day.

  6. Accept or Decline Funding
    Once approved, you can choose to accept or decline the funding offer based on what’s best for your business.

  7. Sign the Contract
    If you accept the offer, you’ll sign the contract electronically, saving time and avoiding unnecessary paperwork.

  8. Complete Verbal Verification Call
    For added security, we conduct a quick verbal verification call to confirm the details of your agreement.

  9. Receive Funds in Your Business Checking Account
    Once all steps are completed, the funds will be transferred directly to your business checking account. In most cases, you’ll have access to your funds within one business day.


At FundLocal, we understand that small business owners are busy, so we’ve designed a streamlined, user-friendly funding process that gets you the cash you need without unnecessary delays or red tape.

For more information, explore the rest of our knowledge base or contact our support team—we're always here to help!