How Local Fund works

We're community finance, not a payday lender and not a faceless app. Money raised locally, lent locally, with every step out in the open.

If you need help

Interest-free, £10–£1,000. Borrow £100, owe £110 — and the £10 is waived completely when you repay on time.

1
Tell us what you need
A few minutes: how much (£10–£1,000), what for, and a little about you. You can save and come back.
2
A quick affordability check
We make sure repayments work for you. If now isn't the right time, we'll point you to free, kind support.
3
A 90-second video
Record or upload a short clip — it's how we keep things human, not faceless.
4
Confirm it's you
A simple ID check keeps everyone safe.
5
Track every step
Watch your application move along like a parcel. We email you at every stage.

1
Confirm your company
We look you up at Companies House. Limited companies and PLCs proceed; sole traders are looked after on the personal route.
2
The ask & the offer
Tell us what the money does for the high street. We propose revenue-share or a secured loan.
3
Directors & paperwork
Director details and ID. Personal guarantees apply above £500 — we'll always tell you up front.
4
Funds released
Only once every check is complete. Then we tell your story.

It begins with your postcode.