
This guide helps solo contractors, small business owners, and real-estate investors in Saginaw County, Michigan understand their financing options in plain, honest language. It focuses on the local lenders, CDFIs, credit unions, and community programs that actually serve this region — not just national programs. Whether you have a Social Security number or an ITIN, there are real pathways here. Read at your own pace and reach out to any institution listed when you feel ready.
Ask Iris. She'll explain it the way it should have been explained the first time.