Business financing in Modoc County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Modoc County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Modoc 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.
Based elsewhere, with a member-facing office inside the Modoc County line. You can walk in.
- Sage Credit UnionPersonal · Home · Business capital
- AmPac Tri-State CDC Inc.SBA microlenderCommunity lending · Business capital
- California Coastal Rural Development CorporationSBA microlenderCommunity lending · Business capital
- CDC Small Business Finance CorporationBusiness capital
- Fresno Community Development Financial InstitutionBusiness capital
- Housing Trust Fund of Santa Barbara CountyCommunity lending · Business capital
- IN THIS LIST
5 of the 12 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- IRC's Center for Economic OpportunityBusiness capital
- Main Street LaunchSBA microlenderCommunity lending · Business capital
- National Asian American CoalitionSBA microlenderCommunity lending · 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.
Modoc County is one of California's most rural and sparsely populated counties, and finding the right financing takes knowing where to look locally. This guide walks solo contractors, small business owners, and real-estate investors through the financing landscape — from CDFI lenders and credit unions that actually serve the area, to state programs built for rural economies like Modoc's. Whether you have a Social Security Number or an ITIN, there are real options available to you. Take your time, compare what's out there, and never rush into a loan you haven't fully read.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN MODOC COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MODOC 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 →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.