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Business financing in San Bernardino County.

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

11 institutions are headquartered inside the San Bernardino County line, and 10 more keep a branch here. Below, we say which is which.

See the 21 doorsAsk a question

Not this lane? Home FinancingPersonal Financing

In this county21DOORS INSIDE THE COUNTY LINE
11HEADQUARTERED HERE
16FUND THIS LANE HERE
6OF THOSE, CDFI-CERTIFIED
THE DIRECTORY

The doors in San Bernardino 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.

Headquartered in San Bernardino County11
  • Alta Vista Credit UnionRedlands · Credit union
    Personal · Home · Business capital
  • AmPac Tri-State CDC Inc.SBA microlenderOntario · CDFI loan fund
    Community lending · Business capital
  • Arrowhead Credit UnionRancho Cucamong · Credit union
    Personal · Home · Business capital
  • Chaffey Credit UnionUpland · Credit union
    Personal · Home · Business capital
  • Neighborhood Housing Services of the Inland Empire, Inc.San Bernardino · CDFI loan fund
    Community lending · Business capital
  • IN THIS LIST

    7 of the 24 are CDFI-certified.

    The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.

  • Neighborhood Partnership Housing Services, Inc.Rancho Cucamonga · CDFI loan fund
    Community lending · Business capital
  • Thinkwise Credit UnionMinority depositorySan Bernardino · Credit union
    Personal · Home · Business capital
  • Fontana Credit UnionFontana · Credit union
    Personal
Show the other 3Show fewer
  • Inland Valley Credit UnionFontana · Credit union
    Personal · Home
  • U.p.s. Employees Credit UnionMinority depositoryOntario · Credit union
    Personal · Home
  • Vida Credit UnionCDFI-certifiedMinority depositoryOntario · Credit union
    Personal · Home
Keeps a branch in San Bernardino County10

Based elsewhere, with a member-facing office inside the San Bernardino County line. You can walk in.

  • America First Credit UnionRiverdale · Credit union
    Personal · Home · Business capital
  • Collegedale Credit UnionCollegedale · Credit union
    Personal · Home · Business capital
  • Credit Union of Southern Ca, AAnaheim · Credit union
    Personal · Home · Business capital
  • Financial Partners Credit UnionCDFI-certifiedDowney · Credit union
    Personal · Home · Business capital
  • Frontwave Credit UnionOceanside · Credit union
    Personal · Home · Business capital
  • NO SOCIAL SECURITY NUMBER

    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.

  • Global Credit UnionAnchorage · Credit union
    Personal · Home · Business capital
Show the other 4Show fewer
  • Orange County's Credit UnionCDFI-certifiedSanta Ana · Credit union
    Personal · Home · Business capital
  • Rize Credit UnionCDFI-certifiedEl Monte · Credit union
    Personal · Home · Business capital
  • The Golden 1 Credit UnionMinority depositorySacramento · Credit union
    Personal · Home · Business capital
  • W S S C Credit UnionMinority depositoryLaurel · Credit union
    Personal · Home
National — works with an ITIN3
  • Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender

    Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.

    Business capital
  • Grameen AmericaAccepts ITINNew York · National nonprofit lender

    Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.

    Business capital
  • Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender

    Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.

    Personal
A worn carpenter's bench at first light, hand tools and gloves laid out
OPEN DOORS IN SAN BERNARDINO COUNTY5 minority depositories
THE GUIDE

This guide helps solo contractors and small business owners in San Bernardino County, California understand their financing options. It focuses on local lenders, CDFIs, credit unions, and community programs that actually serve this region — including options for ITIN holders. Take your time reading through each section; there is no rush, and the right financing relationship is worth finding carefully.

WHO SAYS YES HERE
7CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

AmPac Tri-State CDC Inc. · Financial Partners Credit Union
18Credit unions

Owned 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.

Alta Vista Credit Union · America First Credit Union
FROM HERE

Same county, another question.

A modest house in warm evening lightHome FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN SAN BERNARDINO COUNTY →A porch at dusk, string lights on, two chairs pulled upPersonal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SAN BERNARDINO 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 →
The California counties with the most doors of this kind
Los Angeles County48 doorsSan Francisco County16 doorsOrange County15 doorsAlameda County14 doorsSan Diego County11 doorsSacramento County10 doorsFresno County10 doorsContra Costa County9 doors
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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions