Business financing in Washington County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Washington County line, Greenville included, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Washington 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.
- 2
- DOORS HERE
- 1
- BASED HERE
- 54
- MS COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 45Kresidents of Washington County
- Covers
- Greenville
- Elsewhere in MS
- Hinds County →17 doors — the biggest list of any other county in Mississippi
- State
- Mississippi →54 of 82 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.
Hope 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.
Hope Credit Union · Delta Credit Union- Delta Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Washington County line. You can walk in.
- Hope Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- BankFirst Financial ServicesPersonal · Business capital
- Communities Unlimited, Inc.SBA microlenderCommunity lending · Business capital
- First BankPersonal · Business capital
- LiftFund, Inc.SBA microlenderCommunity lending · Business capital
- Renaissance Community Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- IN THIS LIST
1 of the 2 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.
- The Jefferson BankPersonal · Business capital
- BankFirst Capital CorporationCommunity lending
- First Southwest Corporation McComb, MSCommunity lending
- 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.
Washington County, Mississippi has a tight-knit business community centered on the Mississippi Delta, with local CDFIs, credit unions, and SBA-connected lenders ready to work with small businesses and solo contractors. Whether you have a Social Security Number or an ITIN, local intermediaries can help you find the right loan or financing path. This guide walks you through what financing options exist, who qualifies, what paperwork you need, and which local organizations actually serve this county. We also flag the warning signs of predatory lenders so you can protect yourself and your business.
- 2
- DOORS HERE
- 67
- ACROSS MS
Based in Jackson, Mississippi. 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, and it is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Greenville, Mississippi. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORA personal loan, or building a credit file from nothing.The rules where you are.
None of this is set by a lender. Mississippi 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 TAX5.0%
What Mississippi charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX5.0%
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 TAX7.0% state · 0.07% 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 HEREAgriculture & Catfish · Shipbuilding & Defense · Automotive Manufacturing
Mississippi'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
2 doors sit inside the Washington 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 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
54 of Mississippi's 82 counties hold a door in this lane. If Washington 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 WASHINGTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WASHINGTON COUNTY →54MS COUNTIES WITH DOORSThe whole stateEvery county in Mississippi, in this same lane.67 institutions fund small businesses inside Mississippi 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.