Business financing in Putnam County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Putnam County line. We do not hide that — below are the doors that serve it from the rest of New York.
Not this lane? Home FinancingPersonal Financing
No institution is headquartered inside the Putnam County line.
That is not a gap in this page, and it is not unusual: 55 of New York's 62 counties hold a door in this lane, and Putnam County is not one of them. What does serve it is below, by name and by town.
The doors in Putnam 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.
- 11
- DOORS HERE
- 0
- BASED HERE
- 55
- NY COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 98Kresidents of Putnam County
- Elsewhere in NY
- New York County →51 doors — the biggest list of any other county in New York
- Doors
- 11serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- 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.
Adirondack Economic Development Corporation · Ascendus Inc.They will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Accion Opportunity Fund · Grameen America- 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
6 of the 11 doors that serve this county 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 the 11 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
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.
Putnam County is a commuter county of small towns, lakes, and New York City reservoirs, and its small-business economy runs on the trades: landscapers, builders, remodelers, cleaners, and the shops in Brewster, Carmel, Mahopac, and Cold Spring. No lender in our directory is based inside the county, so this guide is honest about that and walks you through the New York mission lenders that serve the whole state and the national nonprofits that take ITIN borrowers. It covers who qualifies, what to bring, New York rules, and the traps to skip.
It's a process, not a rejection.
Business financing is money you borrow to start, run, or grow your work: a microloan for tools and a trailer, an equipment loan for a skid steer or a commercial mower, a line of credit to cover payroll while you wait for a homeowner to pay, or a larger loan to buy a truck or open a storefront.
Putnam County sits between Westchester and Dutchess, and much of it drains into the reservoirs that supply New York City. That shapes the economy. Many residents commute south on Metro-North, and the people who stay local to work tend to serve homeowners: landscaping and tree work, masonry, painting, remodeling, septic and excavation, house cleaning, snow plowing.
Brewster's main streets hold restaurants, bakeries, delis, and service businesses, many owned by immigrant families from Latin America.
Cold Spring and the river towns lean on visitors.
That economy has a rhythm. Landscaping and outdoor construction peak from spring through fall; snow removal and interior work carry the winter. Homeowner jobs often pay on completion, so you buy materials before you are paid. Lenders who understand that look at your full year and your receivables, not one slow month.
Forget what the banks say.
Lenders ask whether you can repay, whether you have repaid before, and whether the business makes sense. Strong candidates in Putnam County include:
- 01Landscapers and tree crews with a book of repeat homeowner clients
- 02Masons
Painters, carpenters, and remodelers with a county home improvement license
- 03Excavation and septic contractors working under the watershed rules
- 04Cleaning businesses serving homes and offices
- 05Restaurants
Bakeries, delis, and shops on the main streets of Brewster, Carmel, and Mahopac
- 06Subcontractors paid on 1099s by general contractors in Putnam and Westchester
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
- 01Photo ID
New York driver's license, passport, or other government ID
- 02Social Security number or ITIN
- 03Your business certificate (DBA) filed with the Putnam County Clerk, or your LLC filing with the New York Department of State
- 04Your Putnam County home improvement or trade license, if your work requires one
- 05Personal tax returns for the last two years, and business returns if you file them
- 06Three to six months of business bank statements
- 07Your 1099s and any signed contracts or estimates for upcoming jobs
- 08Proof of liability insurance and
If you have employees, workers' compensation
- 09One-page description
What you do, who pays you, your busy and slow seasons, and how the loan will make you money
- 10A list of equipment and vehicles you own
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Straight answer first: no bank, credit union, or community lender in our directory is based inside the Putnam County line. The doors below serve all or much of New York State, plus three national nonprofits.
ALL 11 DOORS, BY NAME AND BY TOWN- 11
- SERVE IT
- 111
- ACROSS NY
Based in New York, New York. An SBA microloan intermediary — a nonprofit that lends federal microloan money directly, in the sizes a bank does not bother with.
BEST FORWorking capital, equipment and payroll for a small business.Based in Saranac Lake, 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 New York, 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. It lends SBA microloan money.
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 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. 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.
Don't fall into these traps.
They are pitched hard to contractors and restaurants. They take a cut of your daily deposits until a fixed amount is repaid, and the true cost is often far higher than any loan. A slow winter week can turn into an overdraft.
Some funders ask you to sign a document that lets them win a court judgment without a hearing. New York has restricted their use against out-of-state borrowers, but never sign one without a lawyer.
Real lenders do not ask you to pay before you get the money.
Every lender that pulls your credit leaves a mark. Go directly to the mission lenders above.
A notario público is not a lawyer in the United States. Do not pay one to file business or loan papers.
A fair offer is still there tomorrow.
Everything below is set by New York, and it reads the same in every county in it. Who opens the door is not: 3 of the 11 above will take an ITIN instead of a social security number.
The rules where you are.
Registering your business. A sole proprietor using a business name files a business certificate (DBA) with the Putnam County Clerk. LLCs and corporations file with the New York Department of State. New York requires new LLCs to publish notice of formation in newspapers, which adds a cost many people do not expect; ask an SBDC advisor about it before you form one.
Local licensing. Putnam County licenses home improvement contractors and several trades at the county level. Check what your trade needs before you bid; lenders and homeowners will ask.
Sales tax. If you sell taxable goods or services, register with the New York Department of Taxation and Finance for a certificate of authority before you start collecting.
Watershed rules. Much of Putnam lies in the New York City watershed, where grading, septic, and building near water face extra review. Excavation and septic contractors should build permit time into their bids.
Insurance. New York requires workers' compensation and disability coverage once you have employees, and lenders often ask to see it.
The short version.
- 01
No lender in our directory is based in Putnam County, but you are not on your own. Start with Community Capital New York in nearby Elmsford, then the statewide CDFIs listed here. If you have an ITIN or thin credit, talk to Accion Opportunity Fund, Grameen America, or Mission Asset Fund.
- 02
File your DBA or LLC, get your county trade license, deposit every payment, and show a full year so lenders see your seasons. Stay away from merchant cash advances and anything that asks for money up front.
- 03
Origen Capital is a directory, not a lender. We do not collect your information and we do not sell financial products. Use this guide to find the right door, then deal directly with the institution.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN PUTNAM COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN PUTNAM COUNTY →55NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.111 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.