Business financing in Oldham County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Oldham County line, but 2 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Oldham 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 Oldham County line. You can walk in.
- L & N Credit UnionPersonal · Home · Business capital
- Liberty Credit UnionPersonal · Home · Business capital
- Community Ventures Corporation, Inc.SBA microlenderCommunity lending · Business capital
- Human/Economic Appalachian Development CorporationCommunity lending · Business capital
- Kentucky Highlands Investment CorporationSBA microlenderCommunity lending · Business capital
- Mountain Association for Community Econ. Dev.Business capital
- Purchase Area Development DistrictBusiness capital
- IN THIS LIST
4 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.
- Redbud Financial Alternatives, Inc.Community lending · Business capital
- Southeast Kentucky Economic Dev. Corp. (SKED)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.
Oldham County, Kentucky is one of the fastest-growing counties in the state, and local financing options have grown along with it. Whether you're a solo contractor, a small landlord, or a first-time business owner, this guide walks you through who qualifies, what documents you'll need, which local lenders and CDFIs actually serve this area, and how to protect yourself from predatory offers. Federal programs like SBA loans are useful tools, but the real starting point is the local intermediary layer — community lenders, credit unions, and nonprofit lending partners who know Oldham County's economy firsthand.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN OLDHAM COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN OLDHAM COUNTY →41KY COUNTIES WITH DOORSThe whole stateEvery county in Kentucky, in this same lane.30 institutions fund business financing inside Kentucky county lines.OPEN THE STATE →
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