Business financing in Fresno County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Fresno County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Fresno 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.
- Fresno Area Hispanic FoundationCommunity lending · Business capital
- Fresno Community Development Financial InstitutionBusiness capital
- Fresno Community Development Financial Institution dba Access Plus CapitalCommunity lending · Business capital
- Fresno Grangers Credit UnionPersonal · Home · Business capital
- Noble 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.
- Valley Small Business Development CorporationSBA microlenderCommunity lending · Business capital
- Educational Employees Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Fresno County line. You can walk in.
- Operating Engineers Local Union #3 Credit UnionPersonal · Home · Business capital
- Self-Help Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- The Golden 1 Credit UnionMinority depositoryPersonal · Home · Business capital
- Valley First 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.
Fresno County has a growing network of local lenders, nonprofit financing organizations, and credit unions that serve small businesses, solo contractors, and real-estate investors — including those who use an ITIN instead of a Social Security Number. This guide walks you through what business financing is, who typically qualifies in the Central Valley economy, what documents you will need, and which local organizations actually serve Fresno County. It also covers California-specific rules and common traps to avoid so you can make a confident, informed decision at your own pace.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Fresno Area Hispanic Foundation · Fresno Community Development Financial Institution dba Access Plus CapitalOwned 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.
Fresno Grangers Credit Union · Noble Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN FRESNO COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN FRESNO 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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