Business financing in Barnstable County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Barnstable County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Barnstable 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.
- Cape & Islands Community Development Inc.Community lending · Business capital
Based elsewhere, with a member-facing office inside the Barnstable County line. You can walk in.
- Service Credit UnionPersonal · Home · Business capital
- Common Capital, Inc.SBA microlenderCommunity lending · Business capital
- Community Teamwork, Inc.Business capital
- Cooperative Fund of the Northeast, Inc.Community lending · Business capital
- Dorchester Bay Neighborhood Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- Grow America Fund, Inc.Community lending · Business capital
- IN THIS LIST
6 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Jobs for Fall River Inc.Business capital
- NDC Community Impact Loan FundCommunity lending · Business capital
- New Bedford Economic Development Council, IncBusiness 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.
This guide helps solo contractors and small business owners in Barnstable County, Massachusetts understand their financing options — from local credit unions and CDFIs to SBA-backed programs and state-level resources. We highlight the local intermediaries who actually know the Cape Cod and Islands economy, including seasonal business patterns, tourism cycles, and housing market dynamics. Origen Capital is a directory, not a lender — we never collect your personal information. Use this guide to ask better questions and walk into any lender conversation with confidence.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Cape & Islands Community Development Inc.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.
Service Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN BARNSTABLE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN BARNSTABLE COUNTY →12MA COUNTIES WITH DOORSThe whole stateEvery county in Massachusetts, in this same lane.66 institutions fund business financing inside Massachusetts county lines.OPEN THE STATE →
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