Business financing in Saratoga County.

County-by-county financing guides. No paperwork. No social. No ID.

1 institutions are headquartered inside the Saratoga County line, and 1 more keep a branch here. Below, we say which is which.

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Not this lane? Home FinancingPersonal Financing

In this county2DOORS INSIDE THE COUNTY LINE

1HEADQUARTERED HERE

THE DIRECTORY

The doors in Saratoga 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.

THE MAP OF DOORSNew York

Saratoga County

2: DOORS HERE
1: BASED HERE
55: NY COUNTIES WITH DOORS

At a glance

Lane: Business Financing
County: Saratoga County · 236K residents
State: New York →
Institutions: 132 inside the county line · 1 headquartered here

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No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Saratoga County1

Hudson River Community Credit UnionCDFI-certifiedCorinth · Credit union
Personal · Home · Business capital

Keeps a branch in Saratoga County1

Based elsewhere, with a member-facing office inside the Saratoga County line. You can walk in.

Broadview Credit UnionAlbany · Credit union
Personal · Home · Business capital

Serving all of New York8

Accompany CapitalNew York · SBA microloan intermediary
Business capital
Adirondack Economic Development CorporationSBA microlenderSaranac Lake · CDFI loan fund
Community lending · Business capital
Ascendus Inc.SBA microlenderNew York · CDFI loan fund
Community lending · Business capital
BOC Capital Corp.SBA microlenderBrooklyn · CDFI loan fund
Community lending · Business capital
Business Consortium Fund, Inc.New York · CDFI loan fund
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 ColumbiaHudson · SBA microloan intermediary
Business capital
Community Capital New York, IncSBA microlenderElmsford · CDFI loan fund
Community lending · Business capital
Harlem Entrepreneurial Fund, LLCSBA microlenderNew York · CDFI loan fund
Community lending · Business capital

National — works with an ITIN3

Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal

NO SOCIAL SECURITY NUMBER

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.

A worn carpenter's bench at first light, hand tools and gloves laid out — OPEN DOORS IN SARATOGA COUNTY

THE GUIDE

This guide helps solo contractors, small business owners, and real estate investors in Saratoga County, New York understand their financing options in plain language. It focuses on the local lenders, CDFIs, credit unions, and community programs that actually serve this region — not just national programs. Whether you have a full credit history or rely on an ITIN, there are real paths forward here. Take your time, compare your options, and work with someone who knows Saratoga County.

WHO SAYS YES HERE

1CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

Hudson River Community Credit Union

2Credit unions

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.

Broadview Credit Union · Hudson River Community Credit Union

FROM HERE

Same county, another question.

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN SARATOGA COUNTY →

A porch at dusk, string lights on, two chairs pulled up

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SARATOGA 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 →

The New York counties with the most doors of this kind

New York County34 doors Kings County10 doors Monroe County10 doors Onondaga County10 doors Queens County9 doors Erie County6 doors Bronx County5 doors Westchester County5 doors

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions