1–2 days
To first funds · indicative
Lending Lab · powered by Chelcie
Capital that keeps pace with the work you’re doing.
Fast, transparent small loans for small businesses and 501(c)(3) charities. Connect once, qualify in minutes, and go from application to funding — without the maze of forms and calls.
Indicative terms below. Actual credit offered by our lending partners at approval.
Capital access · live
sandbox
Small-business loansWorking capital, equipment, inventory
Eligible
Charity & nonprofit funding501(c)(3) program & operating liquidity
Eligible
Grants & state programsMatched alongside your loan
Scanning
Open your application
Decision in minutes
$2.5k–$75k
Loan range · indicative
6 · 12 · 24 · 36
Repayment terms · months
0.95
Source-match confidence*
*Indicative only. Amounts and timing are illustrative and not a guarantee of approval, specific terms, or a commitment to fund. Final eligibility, rate, and terms are determined by the lender of record at application.
How it works
From idea to funding, in four structured steps
No branches, no paperwork mountain. Connect once and we do the matching and coordination — you approve and receive.
Step 01 · Connect
Link or upload
Securely link your business or nonprofit accounts, or upload a recent statement. Setup takes minutes — no account-hopping.
Step 02 · Match
We surface your options
Chelcie scans every source you qualify for — small-business loans, nonprofit funding, grants, and state programs — and prioritizes by fit.
Step 03 · Underwrite
Transparent decision
A fast, data-driven review returns a clear decision and a plain-language quote — every rate and fee disclosed up front.
Step 04 · Fund
Accept and receive
Approve your terms and funds are routed to your account, as fast as the next day. Repayment runs on a schedule you can always see.
Who we fund
Built for the organizations banks overlook
Two audiences, one simple application. Chelcie matches you to the capital that fits your mission and scale.
Small businesses
For the shops, studios, and service firms keeping neighborhoods running
Working capital, equipment, inventory builds, and cash-flow bridges for small and independent businesses — including early-stage and first-time borrowers.
- No minimum time-in-business required for some terms*
- Funds a bank or card, as fast as the next day
- One simple application, reviewed the same day
501(c)(3) & nonprofits
For the charities and nonprofits the community relies on
Program funding and operating liquidity for registered charities and 501(c)(3) organizations — from local food banks to community foundations.
- Eligible uses include programs, payroll, and reserves
- Matched alongside eligible grants & state programs
- Mission-fit terms, not one-size-fits-all rates
*Illustrative. Some loans may require a minimum operating history. Final eligibility is determined by the lender of record at application.
The loan
Small loans, sized to your need
One application. Transparent terms. Whether you’re bridging cash flow, buying equipment, or keeping a program running, Chelcie matches your loan to how you actually operate.
What you get
*All terms (rate, fees, total, timing) are indicative and are disclosed precisely within your quote at the point of application. No account, and no impact to business credit, is created by viewing this page.
See your range
Illustrative$2,500$75,000
$1,000 – $1,400 / mo
Estimated monthly range, illustrative only — not an offered rate. Your actual APR, fees, and total of payments are disclosed at the point of your quote.
Start funding
Start your funding in about 10 minutes
Begin your application right here. You stay with Lending Lab; our lending partners handle the credit decision and the funding. Checking your options is free and does not affect your business credit.
Start funding
Click “Start funding” to open the application · powered by Chelcie
Prefer to open it on its own? Launch ↗
Free
to check your options
~10 min
to apply
Clear
terms before you commit
Why Lending Lab
Capital coordination, minus the friction
Fast & fully digital
No branches, no waiting rooms. Connect your accounts or upload a statement, and move from application to funding in the time it takes to close a week.
No hidden costs
Every rate and fee is disclosed inside your quote, in plain numbers — before you commit. No origination surprises, no closing games.
Built for the overlooked
We prioritize small businesses and 501(c)(3) charities that traditional banks turn away — with mission-fit terms and same-day decisions.
One connection, many sources
Chelcie doesn’t just offer one loan. It matches your loan alongside eligible grants and state programs, so you see the whole picture.
Fair by design
We evaluate every application on its merits. We do not discriminate on any basis prohibited by the Equal Credit Opportunity Act or applicable law.
Plain language
Real terms, real totals, real repayment schedules — explained the way a human would, not buried in a twelve-page schedule you’ll never read.
Eligibility
Who can apply
A short list of requirements to get you started. Final eligibility is determined by the lender of record at application.
For small businesses
- A U.S.-based business, incorporated or operating as a sole proprietor
- An active business bank account
- At least a modest revenue history (most terms accept early-stage operations)
- A legal representative who is 18 or older
For 501(c)(3) charities & nonprofits
- A registered 501(c)(3) or other recognized nonprofit, charitable or religious organization in good standing
- An organization bank account under your legal name
- Current tax filings (most recent 990 or equivalent)
- A legal representative who is 18 or older
Requirements are illustrative; some programs accept applicants with shorter operating histories. Final eligibility — and the rate, term, and total disclosed to you — is determined by the lender of record at application.
FAQ
Questions you’re probably asking
Does checking my options cost anything? +
No. Checking your options on Lending Lab is free, and does not create or check your business credit. A lender of record may run a credit inquiry only if you apply and consent.
Can 501(c)(3) charities apply? +
Yes. We serve registered charities and 501(c)(3) organizations as well as small businesses. Eligible uses include program funding, operating liquidity, payroll, and reserves — subject to underwriting.
Who actually extends the loan? +
Lending Lab is powered by Chelcie, a capital-coordination layer. Our lending partners set credit terms, approve or decline applications, disburse funds, and receive repayment. Chelcie matches you to available capital — including loans, grants, and eligible programs.
How fast can I get funds? +
Most applications are reviewed within a day, and first funds often arrive within 1–2 business days after approval. These are indicative targets only; actual timing depends on underwriting, verification, and disbursement.
What can I use the loan for? +
Generally: working capital, inventory, equipment, seasonal bridging, and — for nonprofits — program and operating liquidity. Permitted and prohibited uses are disclosed precisely in your quote. Some loan programs may restrict specific uses.
What if I’m not approved? +
A declination does not obligate you to anything. You’ll receive a clear reason when available, and you’re welcome to apply again or revisit when your circumstances change. There is no fee for a declination.
Is this an offer of credit? +
No. Amounts, rates, terms, and timing shown on this page are for illustration only and do not constitute an offer, commitment, or pre-qualification of credit. The binding terms — including APR, fees, and total of payments — are disclosed in the application before you agree to anything.
Will you sell my data? +
We do not sell your data. Information you provide is used to coordinate your capital access, process your application through our lending partners, and keep you safe — in line with our Privacy Policy. See privacy@chelcie.app for questions.
Start funding
Ready when you are.
One application. Transparent terms. Funding that keeps pace with your mission — not the other way around.
Start funding