Business financing in Houston County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Houston County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Houston 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.
- 1
- DOORS HERE
- 0
- BASED HERE
- 52
- MN COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 19Kresidents of Houston County
- Elsewhere in MN
- Ramsey County →22 doors — the biggest list of any other county in Minnesota
- State
- Minnesota →52 of 87 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Houston County line. You can walk in.
- Altra Credit UnionPersonal · Home · Business capital
- African Development CenterSBA microlenderCommunity lending · Business capital
- African Economic Development SolutionsSBA microlenderCommunity lending · Business capital
- First Children's FinanceSBA microlenderCommunity lending · Business capital
- Neighborhood Development CenterSBA microlenderCommunity lending · Business capital
- Northeast Entrepreneur Fund, Inc.dba Entrepreneur FundBusiness capital
- Northwest Minnesota FoundationBusiness capital
- Southern Minnesota Initiative FoundationBusiness capital
- Southwest Initiative FoundationBusiness 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 (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.
Houston County is a rural county in southeastern Minnesota, home to small farms, Main Street businesses, and solo contractors who need practical, affordable financing — not one-size-fits-all national products. This guide walks you through what financing is available, who qualifies, which local and regional organizations actually serve this area, and how to protect yourself from predatory offers. Whether you have a Social Security Number or an ITIN, there are real pathways here. Take your time, compare your options, and lean on the local intermediaries who know this region.
- 1
- DOORS HERE
- 61
- ACROSS MN
Based in Onalaska, Wisconsin. 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.The rules where you are.
None of this is set by a lender. Minnesota 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 TAX9.80%
What Minnesota charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX9.80%
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 TAX6.875% state · 1.15% avg 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 HEREMedical Devices & Healthcare · Agriculture & Iron Ore · Retail & Food Processing
Minnesota'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
1 door sit inside the Houston County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 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
52 of Minnesota's 87 counties hold a door in this lane. If Houston 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 HOUSTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN HOUSTON COUNTY →52MN COUNTIES WITH DOORSThe whole stateEvery county in Minnesota, in this same lane.61 institutions fund small businesses inside Minnesota 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.