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.
- 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.
Get your home or property appraised — on us.
Contact The Local Loan Store™ now and let us know you want a free appraisal. Whether you're buying, refinancing, or financing an investment property, this is the easiest way to start the conversation — no obligation.
- • Same-day callback from a real loan officer
- • Works for home, investor, and commercial properties
- • Brought to you by Monumental Funding Solutions LLC
*Terms and availability may vary. Ask us for full details.
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 programsApprovals 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.
Exactly what you need — nothing you don't.
For fast unsecured working capital and equipment funding, most files close with just these items.
Fast unsecured working capital
- One-page application (business name, EIN, contact info)
- Most recent 4–6 months of business bank statements
- Government-issued photo ID for the majority owner(s)
- Voided business check or bank letter (for funding)
No tax returns, no financial statements, and no collateral required for most approvals.
Equipment financing & refinancing
- One-page application (business name, EIN, contact info)
- Most recent 3–6 months of business bank statements
- Equipment invoice, bill of sale, or existing payoff/loan statement
- Government-issued photo ID for the majority owner(s)
Titled equipment (trucks, trailers, machinery) may require the title or a payoff letter from the current lienholder.
Free up cash trapped in equipment you already own.
If your business owns titled or serialized equipment — trucks, trailers, construction machinery, CNC or shop equipment, medical or dental units, restaurant hardware — we can refinance the existing loan, cash you out on owned equipment, or restructure the term to lower your monthly payment.
Eligibility
U.S.-based business, 6+ months in operation, equipment titled or invoiced to the business. Most industries welcome; equipment typically 1–15 years old.
How it works
Send the current payoff or the equipment invoice. We value the asset, structure a new loan against it, pay off the existing lien, and wire any remaining equity to your business account.
What you can expect
Lower monthly payments through a longer term, tax-cash-out of trapped equity, or a single consolidated payment across multiple pieces of equipment.
Timeline
Soft offer within one business day of receiving statements. Funding typically within 24 hours after final documents and payoff letter are received.
Equipment types
All titled & serialized
Trucks, trailers, machinery, medical, restaurant
Cash-out
Up to 100%
Of appraised equipment value
Payoff & consolidation
Yes
Roll multiple loans into one payment
Funding
24 hours
After final docs received
From "send docs" to funded — in under 24 hours.
Our standard timeline for working capital and equipment requests. Business hours, Monday–Friday.
Hour 0
Docs received
You upload bank statements, ID, and (for equipment) invoice or payoff letter.
Hours 1–4
Underwriting
Our team shops your file across our funder network and returns real offers side-by-side.
Hours 4–8
Approval & signing
You pick the offer. Final approval issued and closing documents e-signed digitally.
Within 24 hours
Funds wired
Proceeds hit your business bank account — same-day possible for complete files before 3 PM ET.
Timelines are typical, not guaranteed. Third-party items (payoffs, titles, bank verification) can extend closing.
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.