Business financing in Perry County.

County-by-county financing guides. No paperwork. No social. No ID.

1 institutions are headquartered inside the Perry County line, and 1 more keep a branch here. Below, we say which is which.

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In this county2DOORS INSIDE THE COUNTY LINE

1HEADQUARTERED HERE

THE DIRECTORY

The doors in Perry 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.

THE MAP OF DOORSMississippi

Perry County

2: DOORS HERE
1: BASED HERE
54: MS COUNTIES WITH DOORS

At a glance

Lane: Business Financing
County: Perry County · 12K residents
State: Mississippi →
Institutions: 132 inside the county line · 1 headquartered here

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No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Perry County1

Richton Bank and Trust CompanyRichton · CDFI bank
Personal · Business capital

Keeps a branch in Perry County1

Based elsewhere, with a member-facing office inside the Perry County line. You can walk in.

Pine Belt Credit UnionHattiesburg · Credit union
Personal · Home

Serving all of Mississippi8

BankFirst Financial ServicesColumbus · CDFI bank
Personal · Business capital
Communities Unlimited, Inc.SBA microlenderFayetteville · CDFI loan fund
Community lending · Business capital
First BankMccomb · CDFI bank
Personal · Business capital
LiftFund, Inc.SBA microlenderSan Antonio · CDFI loan fund
Community lending · Business capital
Renaissance Community Loan Fund, Inc.SBA microlenderGulfport · CDFI loan fund
Community lending · Business capital
IN THIS LIST
9 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
The Jefferson BankGreenville · CDFI bank
Personal · Business capital
BankFirst Capital CorporationColumbus · CDFI
Community lending
First Southwest Corporation McComb, MSMccomb · CDFI
Community lending

National — works with an ITIN3

Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal

NO SOCIAL SECURITY NUMBER

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.

A worn carpenter's bench at first light, hand tools and gloves laid out — OPEN DOORS IN PERRY COUNTY

THE GUIDE

This guide helps solo contractors and small business owners in Perry County, Mississippi understand their financing options, from local credit unions and CDFIs to SBA-backed loans. It highlights the lenders and organizations that actually serve this area, explains what documents you'll typically need, and points out common traps to avoid. Whether you have a Social Security Number or an ITIN, there are real pathways to funding your business here in Perry County.

WHO SAYS YES HERE

1CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

Richton Bank and Trust Company

1Credit unions

Owned 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.

Pine Belt Credit Union

FROM HERE

Same county, another question.

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN PERRY COUNTY →

A porch at dusk, string lights on, two chairs pulled up

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN PERRY COUNTY →54MS COUNTIES WITH DOORSThe whole stateEvery county in Mississippi, in this same lane.65 institutions fund business financing inside Mississippi county lines.OPEN THE STATE →

The Mississippi counties with the most doors of this kind

Hinds County8 doors Jackson County6 doors Harrison County5 doors Rankin County4 doors Madison County4 doors Lauderdale County4 doors Simpson County4 doors DeSoto County3 doors

Across the network

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions