Business financing in Schoharie County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Schoharie County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Schoharie 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.
Based elsewhere, with a member-facing office inside the Schoharie County line. You can walk in.
- Broadview 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
6 of the 12 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, small business owners, and real estate investors in Schoharie County, New York understand their financing options — from local credit unions and CDFIs to state-backed programs. Schoharie County is a rural community still rebuilding economic momentum after Hurricane Irene and Tropical Storm Lee, and several regional organizations specifically serve small businesses here. Whether you have a Social Security number, an ITIN, or are just getting started, this guide points you toward real local resources and helps you avoid common traps.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN SCHOHARIE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SCHOHARIE 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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