Business financing in San Juan County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the San Juan County line, Farmington included, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in San Juan 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.
- 5
- DOORS HERE
- 2
- BASED HERE
- 23
- NM COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 122Kresidents of San Juan County
- Covers
- Farmington
- Elsewhere in NM
- Bernalillo County →13 doors — the biggest list of any other county in New Mexico
- State
- New Mexico →23 of 33 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.
First Financial Credit Union · U.S. Eagle 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.
First Financial Credit Union · Four Corners Credit Union- Four Corners Credit UnionMinority depositoryPersonal · Business capital
- High Desert Community Credit UnionPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the San Juan County line. You can walk in.
- First Financial Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Sunward Credit UnionPersonal · Home · Business capital
- U.S. Eagle Credit UnionCDFI-certifiedPersonal · 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
2 of the 5 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.
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.
San Juan County runs on the gas field, the trades that keep it running, and the businesses around Farmington, Aztec, Bloomfield, Kirtland and the Navajo Nation. This guide explains how business financing works here, who tends to qualify, what paperwork to gather, and which doors are actually open: two credit unions based in the county, three Albuquerque credit unions with branches here, and three national nonprofits that lend to ITIN holders. It also covers New Mexico rules and the traps that catch contractors when work slows down.
It's a process, not a rejection.
Business financing is money you use to start, run, or grow a business: a loan you pay back over time, a line of credit you draw on when a job needs materials, an equipment loan secured by the truck or welder itself, or a small microloan to get a first contract moving.
In San Juan County, a lot of small-business money has always followed the energy economy. The San Juan Basin gas field, and the coal mining and power generation that once anchored the area, built a deep bench of independent operators: welders, pipeline and roustabout crews, hot-shot drivers, mechanics, equipment yards, and the diners, motels and supply stores that serve them.
As coal has wound down and gas activity rises and falls with prices, many of those workers have gone out on their own, and that is exactly when financing questions start.
Farmington is the commercial center, Aztec is the county seat, and much of the western part of the county is Navajo Nation land around Shiprock. That last point matters: businesses operating on tribal land deal with tribal leasing and business rules, which changes what a lender can take as collateral. Know which side of that line your business sits on before you apply.
Forget what the banks say.
Lenders look at the same core things everywhere: can you repay, what does your credit history show, how long have you been working, and does the plan make sense. What changes here is how your income looks on paper.
Good candidates in San Juan County often include:
- Oilfield and pipeline subcontractors paid on 1099s by operators or service companies
- Welders, electricians, HVAC techs and mechanics who have left a company to work for themselves
- Hot-shot and heavy-haul drivers financing a truck or trailer
- Restaurants, food trucks, and retail shops in Farmington, Aztec and Bloomfield
- Artists, silversmiths and weavers selling through galleries, trading posts or markets
- Small ranching and hay operations
If your income swings with the gas price, say so up front and show it with bank statements over a full year.
A lender who sees both the busy months and the slow ones trusts the numbers more.
If your credit is thin or your business is new, start with a microloan or a credit union relationship rather than a big bank loan. An ITIN instead of a Social Security number does not disqualify you, but it narrows the doors to the ones listed below that say so.
Get your papers in order.
Every lender has its own list, but most will ask for some version of this:
- 01Government-issued photo ID, and your SSN or ITIN
- 02Your New Mexico business registration and your gross receipts tax registration number
- 03Contractor's license if you do construction, electrical, plumbing or mechanical work
- 04Two years of personal tax returns
Plus business returns if you file them separately
- 05Six to twelve months of business bank statements
Twelve is better in a boom-and-bust economy
- 061099s and copies of master service agreements or contracts with the companies you work for
- 07List of equipment and vehicles you own
With titles if you plan to use them as collateral
- 08One-page plan
What you do, who pays you, and how the loan gets repaid
The doors worth knowing.
Here is what the directory actually shows for San Juan County, sorted by how close each door is to home.
ALL 5 DOORS, BY NAME AND BY TOWN- 5
- DOORS HERE
- 29
- ACROSS NM
Based in Albuquerque, New Mexico. 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 Albuquerque, New Mexico. 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 Kirtland, New Mexico. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and working capital, equipment and payroll for a small business.Based in Albuquerque, New Mexico. 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.
Don't fall into these traps.
When gas prices drop and work slows, the offers start. Watch for these:
Sold as fast business funding, an MCA buys a slice of your future sales at a steep discount and pulls payments daily or weekly from your account. In a slow month that can drain you. Treat it as a last resort, not a first one.
A low monthly payment with a huge final payment is a bet that work will still be strong when it comes due. Read the end of the contract, not just the first page.
A legitimate lender does not ask for a large fee before you get the money. A 'processing fee' wired before approval is a red flag.
Putting your pickup up as collateral to make payroll can cost you the vehicle you need to do the work.
In the United States a notario público is not a lawyer and cannot give legal advice on contracts or immigration. Do not pay one to 'fix' your business paperwork.
Anyone who says the offer expires today is selling you something. Take the papers home, read them, and compare at least two options.
Everything below is set by New Mexico, and it reads the same in every county in it. The 5 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
A few state-level things every San Juan County business owner should have straight before applying:
Registration: LLCs and corporations register with the New Mexico Secretary of State. Sole proprietors can work under their own name, but a registered business looks cleaner to a lender.
Gross receipts tax: New Mexico taxes most sales of goods and services through its gross receipts tax, and you register with the state Taxation and Revenue Department. Lenders reviewing your books will look for it, and unpaid gross receipts tax is one of the fastest ways to sink an application.
Contractor licensing: construction, electrical, plumbing and mechanical work requires a license through the state's Construction Industries Division. Unlicensed work can make a contractor ineligible for many loans and contracts.
Tribal land: businesses located on the Navajo Nation follow tribal business and leasing rules. Lenders treat leased tribal land differently from private land, so ask early.
State economic development: the New Mexico Economic Development Department runs programs for small businesses and job creation; the SBDC can tell you which apply to your size and trade.
The short version.
- 01
San Juan County is built on people who work with their hands and go out on their own when the oilfield turns. Financing is available here, but it pays to start local: the two credit unions based in Kirtland and Aztec, then the Albuquerque credit unions with branches in the county, especially the two that are CDFIs.
- 02
If you have an ITIN, the national nonprofits in this guide are the doors that say so. Gather a full year of bank statements, your gross receipts tax registration, and your licenses before you ask, and get free help from the SBDC to put the package together.
- 03
Origen Capital is a directory, not a lender. We do not collect your information or sell you anything. Use this guide as a map, and talk directly to the institutions when you are ready.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN SAN JUAN COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SAN JUAN COUNTY →23NM COUNTIES WITH DOORSThe whole stateEvery county in New Mexico, in this same lane.29 institutions fund small businesses inside New Mexico 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.