Business financing in Contra Costa County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Contra Costa County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Contra Costa County.
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.
- Apoyo Financiero Inc.Community lending · Business capital
- Community First LendingCommunity lending · Business capital
- Delta Schools Credit UnionPersonal · Home · Business capital
- Diablo Valley Credit UnionPersonal · Home · Business capital
- Mckesson & Healthcare Providers Credit UnionPersonal · Home · Business capital
- IN THIS LIST
5 of the 14 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Antioch Community Credit UnionPersonal · Home
- Atchison Village Credit UnionCDFI-certifiedMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Contra Costa County line. You can walk in.
- Communityamerica Credit UnionPersonal · Home · Business capital
- Operating Engineers Local Union #3 Credit UnionPersonal · Home · Business capital
- Self-Help Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Travis Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital - Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Contra Costa County is home to a wide range of small businesses, solo contractors, and real-estate investors — many of whom are immigrants or first-time borrowers. This guide walks you through the types of financing available locally, who qualifies, what documents you'll need, and which local organizations can actually help you. We highlight community lenders, CDFIs, and credit unions that serve the county before pointing to federal programs. Our goal is to help you make a calm, informed decision — no pressure, no jargon.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Apoyo Financiero Inc. · Community First LendingOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Communityamerica Credit Union · Delta Schools Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN CONTRA COSTA COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CONTRA COSTA COUNTY →49CA COUNTIES WITH DOORSThe whole stateEvery county in California, in this same lane.161 institutions fund business financing inside California county lines.OPEN THE STATE →
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