Business financing in Monroe County.
County-by-county financing guides. No paperwork. No social. No ID.
9 institutions are headquartered inside the Monroe County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Monroe 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.
- Esl Credit UnionPersonal · Home · Business capital
- Genesee Co-Op Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Greater Rochester Housing PartnershipCommunity lending · Business capital
- Neighborhood Housing Services of Rochester IncCommunity lending · Business capital
- PathStone Enterprise Center, Inc.SBA microlenderCommunity lending · Business capital
- IN THIS LIST
5 of the 16 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Ukrainian Credit UnionPersonal · Home · Business capital
- Advantage Credit UnionPersonal · Home
- Brockport Credit UnionPersonal · Home
Show the other 1Show fewer
- Rochester & Monroe Co Emp Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Monroe County line. You can walk in.
- Alternatives Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Finger Lakes Credit UnionPersonal · Home · Business capital
- Kinecta Credit UnionPersonal · Home · Business capital
- Visions Credit UnionPersonal · 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
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 Monroe County, New York understand their financing options in plain language. It highlights local lenders, CDFIs, credit unions, and ITIN-friendly institutions that actually serve the Rochester area — not just national programs. Whether you are just starting out or looking to grow, the best first step is connecting with a local intermediary who knows your community and your economy. Take your time, compare options, and never feel pressured to sign anything you do not fully understand.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Alternatives Credit Union · Genesee Co-Op 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.
Alternatives Credit Union · Esl Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN MONROE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MONROE 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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