Business financing in Philadelphia County.
County-by-county financing guides. No paperwork. No social. No ID.
31 institutions are headquartered inside the Philadelphia County line, Philadelphia included, and 10 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Philadelphia 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.
- American Heritage Credit UnionPersonal · Home · Business capital
- Asian BankPersonal · Business capital
- Beech Capital Venture CorporationCommunity lending · Business capital
- Community First Fund – PhiladelphiaBusiness capital
- Economic Opportunities FundCommunity lending · Business capital
- IN THIS LIST
15 of the 44 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Enterprise Center Capital CorporationBusiness capital
- Enterprise Center Capital Corporation, TheCommunity lending · Business capital
- Entrepreneur Works FundCommunity lending · Business capital
Show the other 23Show fewer
- Impact Loan Fund, Inc.Community lending · Business capital
- North Philadelphia Financial PartnershipCommunity lending · Business capital
- Opportunity Finance NetworkCommunity lending · Business capital
- Philadelphia Credit UnionPersonal · Home · Business capital
- Philadelphia Accelerator FundCommunity lending · Business capital
- PIDC Community CapitalCommunity lending · Business capital
- Reinvestment Fund, Inc., TheCommunity lending · Business capital
- United Bank of PhiladelphiaPersonal · Business capital
- West Philadelphia Financial Services InstitutionBusiness capital
- Women's Opportunities Resource CenterSBA microlenderCommunity lending · Business capital
- Asian Finanical CorporationCommunity lending
- Holy Trinity Baptist Credit UnionMinority depositoryPersonal
- M.a.b.c. Credit UnionMinority depositoryPersonal
- Mount Carmel Baptist Credit UnionMinority depositoryPersonal
- New Life Credit UnionMinority depositoryPersonal
- Northwood Credit UnionPersonal · Home
- Paper Converters Local 286/1034 Credit UnionPersonal
- Penn Credit UnionPersonal · Home
- Pinn Memorial Credit UnionMinority depositoryPersonal
- S I Philadelphia Credit UnionMinority depositoryPersonal
- Transit Workers Credit UnionMinority depositoryPersonal
- University of Pennsylvania Students Credit UnionPersonal
- Wayland Temple Baptist Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Philadelphia County line. You can walk in.
- Democracy Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Eagle One Credit UnionPersonal · Home · Business capital
- Everence Credit UnionPersonal · Home · Business capital
- Fedchoice Credit UnionPersonal · Home · Business capital
- Franklin Mint Credit UnionPersonal · Home · Business capital
- 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.
- Freedom Credit UnionPersonal · Home · Business capital
Show the other 4Show fewer
- Sun Credit UnionPersonal · Home · Business capital
- Trumark Financial Credit UnionPersonal · Home · Business capital
- Advantage Financial Credit UnionPersonal · Home
- Toledo Fire Fighters 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
Philadelphia County has a rich network of local lenders, CDFIs, and community organizations that help solo contractors, small business owners, and real estate investors access affordable financing — including options for ITIN holders. This guide walks you through what business financing is, who qualifies, what documents you need, and which local institutions actually serve Philadelphia neighborhoods. It also highlights Pennsylvania-specific programs and warns you about predatory lending traps that are common in the area. Origen Capital is a directory resource, not a lender — we help you find the right door to knock on.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Asian Bank · Beech Capital Venture CorporationOwned 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.
American Heritage Credit Union · Democracy Credit UnionSame county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN PHILADELPHIA COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN PHILADELPHIA COUNTY →53PA COUNTIES WITH DOORSThe whole stateEvery county in Pennsylvania, in this same lane.85 institutions fund business financing inside Pennsylvania county lines.OPEN THE STATE →
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