ORIGENCAPITAL
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Your origin is your strength

Start here.

County-by-county financing guides. No paperwork. No social. No ID.

Harris County · TX54 listed
Texas BayCredit union · CDFI-certified
Golden Bank, NACDFI bank · Houston
PrimeWayCredit union · Minority depository institution
Open this county
Iris · ask anything

Can I get a loan if I've been turned down before?

Yes. A bank's no is that bank's policy, not your record. Credit unions and CDFIs read the whole story — and many take an ITIN.

Ask your own
Select your route

Whatever you're looking for…

Three lanes, one promise: you start at your county and see who actually lends there. No forms. No calls.

A worn carpenter's bench at first light, hand tools and gloves laid out
Capital · Equipment · Credit

Business Financing

What you qualify to get. Where to start. No bank to reject you first.

What you qualify for — before any bank sees you.

  • Credit unions
  • CDFI banks
  • SBA microlenders
PrimewayCredit union · Houston, Harris County
1,949 doors1,788 counties51 statesEnter
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The Directory

An honest directory.

3,488
Institutions listed
3,143
Counties covered
51
States + DC
EN·ES
Two languages

The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.

Every institution here comes from public federal data. None of them paid to be listed, and none of them know you came — we never send your name anywhere.

  • Nobody paid to be listed
  • 3,488 institutions, none of them ours
  • No forms. No ID. No name.
Where every row comes from
  • CDFI Fund — certified CDFIsJAN 2026
  • NCUA — credit union call report2026-03
  • SBA — microloan intermediariesJUL 2026
  • ITIN-friendly national tier, verified by handJUL 2026
The map of doorsOne dot = a county with doors
County map of the United States. Each warm dot marks a county with institutions in the directory.
Begin at your state

All 51 — one click each. The warm eight are the largest Hispanic markets.

Full index
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
What we believe

You are not a credit risk.You never were.No one explained it to you.

Isabella — editor, Origen Capital
Bexar County · TX17 listed
River CityCredit union · CDFI · San Antonio
Generations CommunityCredit union · San Antonio
SoarionCredit union · San Antonio
Open this county

1,198 counties still have no listed door. We say so instead of inventing one.

Isabella, editor of Origen Capital, at her desk — painted portrait
A note from the editor

Built for you first.

You've been looking for financing for years. Not because you don't qualify. But because no one explained what you qualify for in a language you can use. Every door you knocked on asked for things you didn't have before you could even ask your question. Origen Capital is different.

Only answers. No agenda.

Isabella · editorLearn more
Two languages, one page

Every county exists in English and in Spanish. Same page, written twice.

Harris County, TXENCondado de Harris, TXES
Inside every county page
  • Who lends here
  • What they ask for
  • Where to start
  • What to avoid
The Journal

Long reads, plainly told.

Essays from Isabella on how money works in this country. In both languages.

ALL ESSAYS →
IRIS AI

Ask a question. Get a clear answer.

Answered in English and SpanishNo account. No name.3,143 counties · 3,488 institutions