Restaurants, service businesses, and local operators get funded based on what they actually earn — not just their credit score. Apply in minutes, get a decision today.
Decisions in minutes
No collateral required for loans under $100K
Clear approval reasons
Rates from 8% APR
13
Loans Originated
19
Total Investors
10.9%
Avg. Target Return (APR)
$30,000
Total Invested
Simple for borrowers. Powerful for investors.
Basic info about your business, how long you've been operating, and how much you need.
We securely connect to your business bank via Plaid to analyze your real cash flow — read-only, no changes made.
Our underwriting engine analyzes 12 signals from your real business data and gives you a clear decision with specific reasons.
Approved loans are funded through our investor network, typically within 3–5 business days.
Every loan on Tranchly has been underwritten using live bank and revenue data.
Buy fractional shares of individual loans or diversify across multiple businesses.
Receive monthly principal and interest payments as borrowers repay.
Local businesses we love to fund.
Restaurants & Food Service
Salons & Beauty
Trucking & Logistics
Medical & Dental Practices
E-commerce Sellers
Contractors & Trades
Retail Stores
Professional Services
If your business has 6+ months of history and $3,000+ in monthly revenue, you may qualify.
12-signal proprietary credit model analyzing cash flow, debt, maturity, and repayment history.
Every transaction is logged with a verifiable hash. Loan share issuance, transfers, and distributions — all auditable.
Watch repayment distributions arrive with every borrower payment. Pro-rata, automatically.
Need liquidity? Sell your loan shares to other investors at market price. Instant settlement.
Borrowers build a verified credit history. Better repayment = better rates = more capital.
Risk-adjusted returns backed by real business cash flows. Returns are not guaranteed; principal is at risk.
Apply in minutes. Get a real decision today.