Business financing in Livingston County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Livingston County line, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Livingston 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.
- Lake Trust Credit UnionCDFI-certifiedPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the Livingston County line. You can walk in.
- Dfcu Financial Credit UnionPersonal · Home · Business capital
- Lake Michigan Credit UnionPersonal · Home · Business capital
- Michigan State University Credit UnionPersonal · Home · 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
1 of the 7 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
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, small business owners, and real estate investors in Livingston County, Michigan understand their local financing options — from community banks and credit unions to CDFIs and SBA-backed loans. We highlight the local intermediaries that actually serve this area, explain what documents you'll likely need, and point out common traps to avoid. Origen Capital is a directory, not a lender — we're here to help you find the right door to knock on.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Lake Trust Credit UnionOwned 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.
Dfcu Financial Credit Union · Lake Michigan Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN LIVINGSTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN LIVINGSTON COUNTY →76MI COUNTIES WITH DOORSThe whole stateEvery county in Michigan, in this same lane.120 institutions fund business financing inside Michigan county lines.OPEN THE STATE →
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