Business financing in Cass County.
County-by-county financing guides. No paperwork. No social. No ID.
4 institutions are headquartered inside the Cass County line, Fargo included, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Cass 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.
- Dakota Business LendingCommunity lending · Business capital
- Lake Agassiz Regional Development CorporationBusiness capital
- United Savings Credit UnionPersonal · Home · Business capital
- Fargo Public Schools Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Cass County line. You can walk in.
- Capital Credit UnionPersonal · Home · Business capital
- First Community Credit UnionPersonal · Home · 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
1 of the 8 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
2 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.
Cass County is home to Fargo, North Dakota's largest city, and offers a growing network of local lenders, CDFIs, credit unions, and SBA-connected resources designed to help small businesses and solo contractors access financing. Whether you are just starting out, expanding a trade business, or investing in local real estate, there are trustworthy local institutions ready to work with you — including options for entrepreneurs who use an ITIN instead of a Social Security Number. This guide walks you through who qualifies, what documents you will need, and where to go first in the Fargo-Moorhead metro region.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Dakota Business LendingOwned 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.
Capital Credit Union · First Community Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN CASS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CASS COUNTY →34ND COUNTIES WITH DOORSThe whole stateEvery county in North Dakota, in this same lane.15 institutions fund business financing inside North Dakota county lines.OPEN THE STATE →
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