Business financing in Dukes County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Dukes County line. We do not hide that — below are the doors that serve it from the rest of Massachusetts.
Not this lane? Home FinancingPersonal Financing
No institution is headquartered inside the Dukes County line.
That is not a gap in this page, and it is not unusual: 12 of Massachusetts's 14 counties hold a door in this lane, and Dukes County is not one of them. What does serve it is below, by name and by town.
The doors in Dukes 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.
- 11
- DOORS HERE
- 0
- BASED HERE
- 12
- MA COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 21Kresidents of Dukes County
- Elsewhere in MA
- Suffolk County →31 doors — the biggest list of any other county in Massachusetts
- Doors
- 11serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- State
- Massachusetts →12 of 14 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Common Capital, Inc. · Cooperative Fund of the Northeast, Inc.They will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Accion Opportunity Fund · Grameen America- 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
5 of the 11 doors that serve this county 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 the 11 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Dukes County — home to Martha's Vineyard and the Elizabeth Islands — has a seasonal, tourism-driven economy where small contractors, hospitality businesses, and real estate investors face unique financing challenges. This guide walks you through the types of business financing available locally, who qualifies, what documents you'll need, and which local and regional lenders, CDFIs, and credit unions actually serve this island community. We highlight honest, accessible options and warn you about common traps so you can make informed decisions without pressure.
- 11
- SERVE IT
- 63
- ACROSS MA
Based in Springfield, Massachusetts. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Lowell, Massachusetts. An SBA intermediary, so the money is federal microloan money and the decision is made locally rather than by a national credit box.
BEST FORWorking capital, equipment and payroll for a small business.Based in Watertown, Massachusetts. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Dorchester, Massachusetts. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Everything below is set by Massachusetts, and it reads the same in every county in it. Who opens the door is not: 3 of the 11 above will take an ITIN instead of a social security number.
The rules where you are.
None of this is set by a lender. Massachusetts sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- BUSINESS TAX8.0%
What Massachusetts charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX8.0%
It depends on how the business is registered. A sole proprietor almost never pays it — worth knowing which side of that line you are on before you apply.
- SALES TAX6.25% state · no local
What you collect on a job, and what your materials cost. It is the gap between a bid that holds and one that does not.
- WHERE THE MONEY IS HEREBiotech & Life Sciences · Higher Education & Research · Technology & Software
Massachusetts's three biggest sectors. A local lender reads your file against them — a trade that serves these is a trade they already understand.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
No institution is based inside the Dukes County line, and we say so out loud: the 11 doors above serve it from outside.
- 02
5 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
3 will open an application with an ITIN instead of a social security number. There is no citizenship test at the door.
- 04
12 of Massachusetts's 14 counties hold a door in this lane. If Dukes County does not have the one you need, the whole state is one click away.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN DUKES COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN DUKES COUNTY →12MA COUNTIES WITH DOORSThe whole stateEvery county in Massachusetts, in this same lane.63 institutions fund small businesses inside Massachusetts 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.