Business financing in Franklin County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Franklin County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Franklin 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.
- Adirondack Economic Development CorporationSBA microlenderCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the Franklin County line. You can walk in.
- Sea Comm Credit UnionPersonal · Home · Business capital
- Accompany CapitalBusiness capital
- Adirondack Economic Development CorporationSBA microlenderCommunity lending · Business capital
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- BOC Capital Corp.SBA microlenderCommunity lending · Business capital
- Business Consortium Fund, Inc.Community lending · Business capital
- IN THIS LIST
7 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.
- Columbia Economic Development Corp. dba Choose ColumbiaBusiness capital
- Community Capital New York, IncSBA microlenderCommunity lending · Business capital
- Harlem Entrepreneurial Fund, LLCSBA microlenderCommunity lending · 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
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.
This guide helps solo contractors and small business owners in Franklin County, New York find the right financing for their needs. It covers who qualifies, what documents you will need, which local lenders and CDFIs actually serve this region, and what to avoid. Origen Capital is a directory — not a lender — and this guide is here to help you make an informed, confident decision at your own pace.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Adirondack Economic Development CorporationOwned 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.
Sea Comm Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN FRANKLIN COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN FRANKLIN COUNTY →55NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.112 institutions fund business financing inside New York county lines.OPEN THE STATE →
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