Business financing in Macomb County.
County-by-county financing guides. No paperwork. No social. No ID.
6 institutions are headquartered inside the Macomb County line, Warren included, and 18 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Macomb 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.
- 24
- DOORS HERE
- 6
- BASED HERE
- 76
- MI COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 881Kresidents of Macomb County
- Covers
- Warren
- Elsewhere in MI
- Wayne County →43 doors — the biggest list of any other county in Michigan
- State
- Michigan →76 of 83 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.
Ignite Credit Union · Michigan First 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.
Advia Credit Union · Alliance Catholic Credit Union- Christian Financial Credit UnionPersonal · Home · Business capital
- Freestar Financial Credit UnionPersonal · Home · Business capital
- Ukrainian Selfreliance Michigan Credit UnionPersonal · Home · Business capital
- A.b.d. Credit UnionMinority depositoryPersonal · Home
- Extra Credit UnionPersonal · Home
- IN THIS LIST
4 of the 24 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Tandem Credit UnionMinority depositoryPersonal · Home
Based elsewhere, with a member-facing office inside the Macomb County line. You can walk in.
- Advia Credit UnionPersonal · Home · Business capital
- Alliance Catholic Credit UnionPersonal · Home · Business capital
- Community Choice Credit UnionPersonal · Home · Business capital
- Cornerstone Community Financial Credit UnionPersonal · Home · Business capital
- Credit Union 1Personal · Home · Business capital
- NO AGENDA
Nobody paid to be on this list.
The 24 doors inside the county line come off public data, and 24 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
- Credit Union OnePersonal · Home · Business capital
Show the other 12Show fewer
- Dfcu Financial Credit UnionPersonal · Home · Business capital
- Genisys Credit UnionPersonal · Home · Business capital
- Ignite Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Lake Michigan Credit UnionPersonal · Home · Business capital
- Lake Trust Credit UnionPersonal · Home · Business capital
- Michigan First Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Michigan Legacy Credit UnionPersonal · Home · Business capital
- Parda Credit UnionPersonal · Home · Business capital
- People Driven Credit UnionPersonal · Home · Business capital
- Public Service Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Security Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Vibe 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
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 (Mar 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.
This guide helps solo contractors, small business owners, and real estate investors in Macomb County, Michigan understand their financing options without the jargon. We focus on local lenders, community development organizations, and credit unions that actually serve this region — not just national programs. Whether you have a Social Security number or use an ITIN, there are real pathways available to you. Take your time, compare your options, and never rush into a loan you don't fully understand.
- 24
- DOORS HERE
- 119
- ACROSS MI
Based in Battle Creek, Michigan. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Lathrup Village, Michigan. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is CDFI-certified.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Romulus, Michigan. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is CDFI-certified.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Warren, Michigan. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Everything below is set by Michigan, and it reads the same in every county in it. The 24 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Michigan 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 TAX6.0%
What Michigan charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX6.0%
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 TAX6.0% 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 HEREAutomotive Manufacturing · Agriculture & Cherries · Furniture & Office Products
Michigan'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
24 doors sit inside the Macomb County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
4 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
76 of Michigan's 83 counties hold a door in this lane. If Macomb 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 MACOMB COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MACOMB COUNTY →76MI COUNTIES WITH DOORSThe whole stateEvery county in Michigan, in this same lane.119 institutions fund small businesses inside Michigan 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.