How It Works

A transparent, human-reviewed path from assessment to introduction

Every step in this process keeps a real person involved before anything is finalized, and keeps the decision of whether to pursue a provider introduction entirely in your hands.

Complete the assessment
You start by completing the funding-readiness assessment, answering questions about your business, such as time in operation, revenue, existing debt, and documentation on hand. The assessment is educational and preliminary: it is not an application to any lender or provider, and nothing you enter is submitted to a third party at this stage.
Receive a preliminary readiness category
Based on a fixed set of deterministic rules, the assessment produces a preliminary readiness category describing, in general terms, how prepared your business appears for certain funding categories. This is a general educational signal, not an approval, not a credit decision, and not a prediction of your odds of approval with any specific provider.
Human administrator review
Human review required
Before anything is finalized, a human administrator at GrowLocal Capital reviews your assessment. This review step exists so that no report or referral is generated automatically. A person looks at your situation, checks for anything the rules may have missed, and confirms the readiness category makes sense before anything reaches you.
Receive an educational action plan
After administrator review, you receive an educational readiness report and action plan. This typically highlights documentation you may want to gather, funding categories worth learning more about, and general preparation steps. The report is educational guidance, not a financial, legal, or credit recommendation, and it does not commit you to anything.
Authorize a referral when appropriate
Client authorization required
If, after reviewing your report, you decide you would like to be introduced to an independent funding provider, you can choose to authorize a referral. This step is entirely client-initiated. GrowLocal Capital does not automatically send your information to any provider. You control whether a referral happens at all.
Apply directly with an independent provider
If you authorize a referral, a GrowLocal Capital administrator selects and confirms an appropriate independent provider. You then apply directly with that provider under its own underwriting process. GrowLocal Capital does not submit applications on your behalf, does not make underwriting decisions, and cannot guarantee any approval, rate, term, or funding amount.

Protected boundaries

Human review required

No report or referral is created without a person reviewing your submission first.

Your decision, your authorization

Provider introductions only happen with your explicit written authorization.

What is and isn't true

GrowLocal Capital approves applications
Independent providers make underwriting decisions
Referral authorization is optional
GrowLocalHub services are optional
Funding outcomes are guaranteed
Provider selection is automated

GrowLocal Capital is not a lender and does not make credit decisions. Funding products are offered by independent providers and are subject to their underwriting, terms, availability, and applicable requirements. GrowLocal Capital may receive compensation from certain providers when a referred business obtains or purchases a product. No approval, rate, term, introductory period, or funding amount is guaranteed.

Ready to start?

The assessment takes about five minutes and is reviewed by a person before you receive your report.

Check My Funding Readiness

Complete the assessment

You start by completing the funding-readiness assessment, answering questions about your business, such as time in operation, revenue, existing debt, and documentation on hand. The assessment is educational and preliminary: it is not an application to any lender or provider, and nothing you enter is submitted to a third party at this stage.

Receive a preliminary readiness category

Based on a fixed set of deterministic rules, the assessment produces a preliminary readiness category describing, in general terms, how prepared your business appears for certain funding categories. This is a general educational signal, not an approval, not a credit decision, and not a prediction of your odds of approval with any specific provider.

Human administrator review

Human review required

Before anything is finalized, a human administrator at GrowLocal Capital reviews your assessment. This review step exists so that no report or referral is generated automatically. A person looks at your situation, checks for anything the rules may have missed, and confirms the readiness category makes sense before anything reaches you.

Receive an educational action plan

After administrator review, you receive an educational readiness report and action plan. This typically highlights documentation you may want to gather, funding categories worth learning more about, and general preparation steps. The report is educational guidance, not a financial, legal, or credit recommendation, and it does not commit you to anything.

Authorize a referral when appropriate

Client authorization required

If, after reviewing your report, you decide you would like to be introduced to an independent funding provider, you can choose to authorize a referral. This step is entirely client-initiated. GrowLocal Capital does not automatically send your information to any provider. You control whether a referral happens at all.

Apply directly with an independent provider

If you authorize a referral, a GrowLocal Capital administrator selects and confirms an appropriate independent provider. You then apply directly with that provider under its own underwriting process. GrowLocal Capital does not submit applications on your behalf, does not make underwriting decisions, and cannot guarantee any approval, rate, term, or funding amount.