Business financing in Kings County.
County-by-county financing guides. No paperwork. No social. No ID.
13 institutions are headquartered inside the Kings County line, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Kings 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.
- 16
- DOORS HERE
- 13
- BASED HERE
- 55
- NY COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 2.7Mresidents of Kings County
- Elsewhere in NY
- New York County →51 doors — the biggest list of any other county in New York
- State
- New York →55 of 62 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.
BlocPower L.L.C. · BOC Capital Corp.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.
Brooklyn Cooperative Credit Union · Concord Credit Union- BlocPower L.L.C.Community lending · Business capital
- BOC Capital Corp.SBA microlenderCommunity lending · Business capital
- Brooklyn Alliance Capital, Inc.Community lending · Business capital
- Brooklyn Cooperative Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Concord Credit UnionCDFI-certifiedMinority depositoryPersonal · Business capital
- IN THIS LIST
5 of the 16 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.
- Consumers Credit UnionPersonal · Home · Business capital
- Polish & Slavic Credit UnionPersonal · Home · Business capital
- Transfiguration Parish Credit UnionMinority depositoryPersonal · Home · Business capital
Show the other 5Show fewer
- Berea Credit UnionMinority depositoryPersonal
- Bykota Credit UnionMinority depositoryPersonal
- Nym Credit UnionPersonal
- Spc Brooklyn Credit UnionMinority depositoryPersonal
- Sts Peter & Paul Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Kings County line. You can walk in.
- Ukrainian National Credit UnionPersonal · Home · Business capital
- Advantage Financial Credit UnionPersonal · Home
- Municipal Credit UnionMinority depositoryPersonal · Home
- 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
Nobody paid to be on this list.
The 16 doors inside the county line come off public data, and 13 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
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 (Mar 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.
Kings County is Brooklyn — one of the densest small-business economies in the country, built out of storefronts, kitchens, barbershops, renovation crews, delivery and for-hire driving, home care, and small workshops. It is also one of the best-served counties in America for community lending: several nonprofit CDFIs and more than a dozen credit unions are headquartered inside the county line. This guide covers what business financing is here, who qualifies, the documents, the doors worth knocking on, New York's disclosure rules, and the traps that hit Brooklyn businesses hardest.
It's a process, not a rejection.
Business financing is access to money to start, run, or grow a business:
- A term loan — a fixed amount on a fixed schedule, for equipment, a build-out, or a vehicle
- A line of credit — a limit you draw and repay, which is what you need when rent is due on the first and customers pay later
- A microloan — smaller amounts from nonprofit lenders, for businesses banks treat as too new or too small
- Equipment financing — for kitchen equipment, machines, a van; the equipment secures the loan
- A grant — never repaid, and never something you pay a fee to apply for
Brooklyn's business economy is a storefront economy: restaurants, bakeries, delis and bodegas, barbershops and salons, laundromats, auto shops, daycare and home care providers, licensed contractors renovating brownstones, for-hire and delivery drivers, market vendors, and small manufacturers in the old industrial corridors.
Two pressures define financing here, and they are not the ones in national articles.
The first is commercial rent — often the largest single cost, and the reason a line of credit matters more than a big term loan.
The second is getting paid. If you subcontract on renovation work, you are financing somebody else's project while you wait, and that gap is what most Brooklyn business loans are actually for.
Forget what the banks say.
The question is always whether you can repay and whether there is evidence. Everything you submit is evidence.
What they weigh:
- Revenue history through the bank account — in a cash-heavy storefront economy this is the deciding factor. A business doing well on cash with no deposit record is not financeable. The same business depositing everything is.
- Credit history, or your file under an ITIN if you have no Social Security Number
- Time in business — new is not disqualifying, it points you toward nonprofit microlenders first
- Your lease — for a storefront, lenders want to see you can occupy the space long enough to repay. Bring it.
- Licenses — food service, home care, contracting, and for-hire work each carry a city or state license, and lenders check that yours is current
Funded here regularly: restaurant and food-cart owners, bodega owners, salon and barbershop owners, licensed contractors and trade subs, cleaning companies, home health and childcare providers, for-hire drivers, market vendors, and small repair shops.
If you file taxes with an ITIN, you are not disqualified. Your credit file is thinner, not your business.
Get your papers in order.
Have these together before you apply and you cut the process roughly in half:
- 01Government-issued photo ID, and your ITIN or Social Security Number
- 02Certificate of assumed name (DBA) filed with the county clerk, or LLC or corporation paperwork
- 03Your certificate of authority for sales tax, if you sell taxable goods
- 04Industry license your work requires
Food service permit, contractor license, home care or childcare license, for-hire vehicle license
- 05Your commercial lease, or a letter from your landlord
- 06Last two years of personal tax returns
Plus business returns if the business files separately
- 07Last three to six months of business bank statements — all of them
- 08Profit-and-loss statement
One you prepared yourself is a legitimate start
- 09One-page description
What you sell, who buys it, how the loan gets repaid
- 10Certificates of insurance
And workers' compensation if you have employees
- 11Invoices or contracts if you subcontract
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Brooklyn has one of the richest community lending pools in the country.
ALL 16 DOORS, BY NAME AND BY TOWN- 16
- DOORS HERE
- 112
- ACROSS NY
Based in Brooklyn, New York. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Brooklyn, New York. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job. It lends SBA microloan money.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Brooklyn, New York. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Brooklyn, New York. 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 FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.
Don't fall into these traps.
The single biggest financial threat to Brooklyn small businesses. A company buys a share of your future receipts and debits your account daily or weekly regardless of sales. Marketed as "funding," "same-day approval," or "no credit check," often by cold call and text. Restaurants and bodegas get stacked with several at once until the daily debits exceed the day's revenue.
Taking a second advance to pay the first. This is how businesses close.
to "find you funding." A legitimate lender does not require a large fee before funding, and a broker who takes a fee and disappears is a common story here. Grant application fees are always fraud.
A personal guarantee on a commercial lease follows you after the business closes.
In much of Latin America a notario is a lawyer. A New York notary public is not, and cannot give legal or immigration advice.
No legitimate offer expires today. Get the disclosure form, take it home, compare two.
Everything below is set by New York, and it reads the same in every county in it. The 16 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
New York gives small-business borrowers protections that exist almost nowhere else. Use them.
New York requires providers of commercial financing to give you standardized written disclosures, including the total cost, before you sign. If a salesperson quotes a "factor rate" verbally and will not put the total cost on a disclosure form, walk away. That refusal is the answer.
Watch for this clause — it lets a lender obtain a judgment against you without a hearing. New York has restricted its use, but it still appears in contracts. Never sign one.
New York caps interest on many loans, and the highest rates are a criminal matter here. That is why the most aggressive products are structured as "purchases of receivables" rather than loans — to sit outside the cap.
A sole proprietor using a business name files a certificate of assumed name with the **county clerk**; an LLC or corporation files with the **Department of State**. Sales tax requires a certificate of authority from the state tax department.
The state and the city both run minority- and women-owned business certification programs that open access to public contracts. Applying is free.
The short version.
- 01
If you run a business in Brooklyn, you are in one of the best-served counties in the country for community lending. Three nonprofit CDFIs are based inside the county line, two mission-oriented credit unions are headquartered here, more than a dozen other credit unions operate locally, and three national nonprofits lend to ITIN filers.
- 02
The order that works: run every dollar through the business account, get your license and lease in hand, then call the CDFIs first and the credit unions second.
- 03
Ask every institution two questions up front: do you lend to ITIN holders, and do you report my payments to the credit bureaus? The second is how this loan makes the next one cheaper.
- 04
And the rule that matters most here: demand the written disclosure of total cost before you sign any financing. New York gives you the right to it. The products that hurt Brooklyn businesses are sold by people who would rather talk than put the number on paper.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN KINGS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN KINGS COUNTY →55NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.112 institutions fund small businesses inside New York 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.