Unlock Capital for Local Businesses.
Locale Lending uses smart contracts and real-time data to automate and democratize small business lending.
What is Locale Lending?
Locale Lending is a decentralized small business lending protocol designed to increase access to government-backed credit in underserved local economies. By using dynamic, blockchain-based loan products, we democratize access to capital. Our system is compatible with industry-standard tools like Plaid for data verification, Reclaim Protocol for private data attestation, and established SBA-style underwriting criteria.
How It Works
Secure Onboarding
Connect your existing financial data securely using Plaid and create private, verifiable credentials with Reclaim Protocol.
Real-Time Underwriting
Our system uses ETRAN-compatible logic to analyze your data in real-time, providing fair and fast underwriting decisions.
Dynamic Loan Issuance
Once approved, a smart contract issues and adjusts the loan dynamically based on real-time business performance.
Automated On-Chain Management
Repayment and reporting occur automatically on-chain, ensuring transparency and reducing administrative overhead.
Why It Matters
Get faster approvals and access to flexible repayment terms without the predatory fees common in traditional lending.
Gain transparent, low-risk exposure to real-world small business credit, backed by verifiable data and smart contracts.
Utilize a compliant-by-design infrastructure for community lending programs that is transparent, efficient, and scalable.
Trust & Technology
Locale Lending is built on the Locale Network, an Arbitrum L3 rollup with Cartesi integration for verifiable off-chain computation. Our platform is the result of over 12 years of blockchain R&D by Modern Society Labs and supports zk-proof validation and encrypted data feeds to ensure security and privacy.