Business financing in Washington County.
County-by-county financing guides. No paperwork. No social. No ID.
4 institutions are headquartered inside the Washington County line, Beaverton included, and 9 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Washington 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.
- 13
- DOORS HERE
- 4
- BASED HERE
- 32
- OR COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 600Kresidents of Washington County
- Covers
- Beaverton
- Elsewhere in OR
- Multnomah County →22 doors — the biggest list of any other county in Oregon
- State
- Oregon →32 of 36 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.
Community and Shelter Assistance Corporation · Community Housing FundOwned 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.
Consolidated Credit Union · First Community Credit Union- Community and Shelter Assistance CorporationCommunity lending · Business capital
- Community Housing FundCommunity lending · Business capital
- Unitus Community Credit UnionPersonal · Home · Business capital
- United Trades Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Washington County line. You can walk in.
- Consolidated Credit UnionCDFI-certifiedPersonal · Home · Business capital
- First Community Credit UnionPersonal · Home · Business capital
- Inroads Credit UnionPersonal · Home · Business capital
- Oregon State Credit UnionPersonal · Home · Business capital
- Peak Credit UnionPersonal · Home · Business capital
- IN THIS LIST
4 of the 13 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Rivermark Community Credit UnionCDFI-certifiedPersonal · Home · Business capital
Show the other 3Show fewer
- Wauna Credit UnionPersonal · Home · Business capital
- Forrit Credit UnionPersonal · Home
- Nw Priority Credit UnionPersonal · Home
- 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
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.
Washington County runs on two economies at once: the technology and apparel corridor through Beaverton and Hillsboro, and the nursery, berry, and vineyard ground of the Tualatin Valley. Both depend on small contractors. This guide explains what business financing is, who qualifies when your income is seasonal or 1099, what documents to gather, and exactly which community development lenders, credit unions, and ITIN-friendly nonprofits in our directory serve this county. It also covers Oregon's contractor licensing rules and the traps aimed at small crews.
The rules where you are.
Business financing is money you can put to work. A term loan gives you a fixed amount and a fixed payment. A line of credit lets you draw and repay as jobs come and go — the right tool when you buy materials or plants months before you get paid. A microloan is smaller and usually comes from a nonprofit.
Equipment financing is secured by the equipment itself.
A community development lender, often called a CDFI, is a mission-driven institution that exists specifically to lend where conventional underwriting says no.
Washington County holds two economies side by side. One is the corridor running through Beaverton, Tigard, Tualatin, and Hillsboro: semiconductor manufacturing, athletic apparel and footwear headquarters work, the offices and labs that follow them, and the enormous construction and tenant-improvement pipeline they generate. The other is agricultural — the nursery and greenhouse ground that makes this one of the most productive farming valleys in the country, plus berries, hazelnuts, vegetable seed, and the vineyards that climb the western hills.
Small businesses sit underneath both. Framing, drywall, electrical, and concrete subcontractors chasing commercial and apartment work. Landscape and irrigation crews. Trucking and freight. Janitorial contracts for office parks. Restaurants, panaderias, taquerias, and food carts. Farm labor contractors, greenhouse crews, and equipment repair.
So the financing question splits two ways. Commercial subcontractors need to bridge slow-paying invoices. Agricultural businesses need to bridge a season. Different tools, same principle: know which one you are asking for.
Forget what the banks say.
Every lender asks four things: can you repay, have you handled credit before, how long have you done this, and does the work make sense in this market.
Here, income rarely arrives in equal monthly pieces:
- 1099 subcontracting for general contractors, paid thirty to sixty days behind the work
- Nursery, greenhouse, berry, and vineyard income that peaks in planting and harvest and thins in winter
- Janitorial and landscape contracts that are steady in dollars but thin in margin
- Cash-heavy storefront income — a taqueria, a barbershop, a tire shop, a food cart
- Multiple earners in one household, some on payroll and some paid in cash
None of that disqualifies you.
It means you show the pattern, not a single month.
Twelve months of deposits that rise in spring and fall in January tell a lender something real; three strong months tell nothing.
If you can produce two full seasons of records, you are a stronger applicant than a business with a flat year and no history.
If you file with an ITIN instead of a Social Security number, you are not shut out. Ask the institution directly whether they lend to ITIN holders — many CDFIs and mission-driven nonprofits do, and their answer is the only one that counts.
One Oregon-specific qualification issue outranks all of this for construction trades: if the work you do requires a state contractor license, having it in good standing is often the difference between an application and a conversation. Get licensed before you get financed.
Get your papers in order.
Checklists vary, but this is what gets asked for again and again in Oregon:
- 01Government photo ID
Driver's license, passport, or consular ID
- 02Your ITIN or Social Security number
- 03Business registration
Your LLC or corporation filing, or your assumed business name registration
- 04Your state contractor or landscape contractor license, if your trade requires one
- 05Proof of workers' compensation coverage if you have employees
- 06Two years of personal tax returns, plus business returns if you file them
- 07Three to six months of business bank statements
And personal statements if the business is new
- 08Simple profit-and-loss statement
One page of money in and money out, written by you, counts
- 09One-page description of the business
What you do, who pays you, and where the payment comes from
- 10Invoices
Signed contracts, or a job list if you are borrowing against work already won
- 11Equipment and vehicle list with titles, if you are offering collateral
- 12For agricultural operations
Acreage or lease documents, crop or nursery production history, and any buyer contracts
The doors worth knowing.
This county has an unusually deep bench: mission lenders and credit unions headquartered inside the county line, plus a long list of credit unions with branches here.
ALL 13 DOORS, BY NAME AND BY TOWN- 13
- DOORS HERE
- 44
- ACROSS OR
Based in Sherwood, Oregon. 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.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Beaverton, Oregon. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Portland, Oregon. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is CDFI-certified.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Saint Helens, Oregon. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
The most common trap for small contractors. An MCA is not a loan — it buys a piece of your future deposits at a steep discount and pulls repayment daily whether you worked that week or not. It is legal, it funds in days, and it is the most expensive money on the market. For a seasonal business it is worse still, because the daily pull does not pause in January.
Selling receivables can be reasonable; recourse terms that make you liable when your customer fails to pay are the part nobody highlights. Ask specifically whether it is recourse or non-recourse.
Ask for the total of payments and the buyout in writing, not the monthly figure.
Legitimate institutions take their fee from the loan or disclose an application fee. Anyone asking you to wire a "processing" or "insurance" payment is running a fraud.
No real institution needs your signature today. An offer that expires in hours is a pressure tactic.
Do not pledge your home, your truck, or your equipment without understanding the document in a language you read comfortably. Ask for the Spanish version.
In Oregon that advice will cost you far more than the loan.
You have a right to know which institution is lending and the total cost in dollars.
Everything below is set by Oregon, and it reads the same in every county in it. The 13 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Oregon requires a state construction contractors license for almost any work that improves real property — including work many people assume is too small to need one. Landscaping businesses are licensed separately by the state landscape board. Working without the license risks fines and unenforceable contracts, and it closes financing doors. This is the most common reason a Washington County trade business cannot get funded.
LLCs and corporations register with the Secretary of State's corporation division and renew annually. Unlike many states, Oregon registers assumed business names at the state level rather than the county.
If you hire, you deal with workers' compensation coverage, state payroll registration, and the state labor bureau's wage rules. Lenders reviewing a crew-based business will ask.
Farm and forest labor contractors are licensed by the state, and lenders in this valley know that.
The state SBDC network, hosted through community colleges and universities, and SCORE will review your plan and loan package at no charge. In this county, Spanish-language business advising is generally available — ask for it.
The short version.
- 01
If you run a business in Washington County, Oregon — a subcontracting crew in Beaverton, a landscape company in Tigard, a nursery operation near Forest Grove, a food cart in Hillsboro — you have more real doors here than most American counties offer.
- 02
Start with the two community development lenders headquartered in the county, Community and Shelter Assistance Corporation in Sherwood and Community Housing Fund in Beaverton, and ask exactly what they lend on. Then the two credit unions based here: Unitus Community and United Trades. Then the nine with branches in the county: Consolidated, Rivermark Community, Forrit, Nw Priority, Inroads, Wauna, Oregon State, First Community, and Peak. Three national nonprofits work with ITIN filers: Accion Opportunity Fund, Grameen America, and Mission Asset Fund. The SBA district office, SCORE, and the state SBDC network prepare your package for free.
- 03
Before any of that, if your trade requires an Oregon contractor license, get it. Then gather two years of returns, a year of statements, one page about the business, and one page of monthly cash flow. Ask every door two questions: do you lend to people in my situation, and what is the total cost in dollars.
- 04
Origen Capital is a directory, not a lender. We do not collect your information, we do not sell leads about you, and we charge you nothing. When you are ready, work directly with a licensed lender, a credit union, or a nonprofit CDFI.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN WASHINGTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WASHINGTON COUNTY →32OR COUNTIES WITH DOORSThe whole stateEvery county in Oregon, in this same lane.44 institutions fund small businesses inside Oregon 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.