Business financing in Berkeley County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the Berkeley County line, Goose Creek included, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Berkeley 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.
- 5
- DOORS HERE
- 2
- BASED HERE
- 35
- SC COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 230Kresidents of Berkeley County
- Covers
- Goose Creek
- Elsewhere in SC
- Greenville County →17 doors — the biggest list of any other county in South Carolina
- State
- South Carolina →35 of 46 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.
Rev Credit Union · Berkeley Community Credit UnionOwned 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.
Bayer Heritage Credit Union · Cpm Credit Union- Rev Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Berkeley Community Credit UnionCDFI-certifiedPersonal
Based elsewhere, with a member-facing office inside the Berkeley County line. You can walk in.
- Bayer Heritage Credit UnionPersonal · Home · Business capital
- Cpm Credit UnionPersonal · Home · Business capital
- South Carolina Credit UnionPersonal · Home · 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
2 of the 5 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.
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 (Mar 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.
Berkeley County, South Carolina is one of the fastest-growing counties in the state, with a diverse economy anchored by manufacturing, logistics, construction, and small retail. Whether you are a solo contractor, a small landlord, or a new business owner, there are real local options for financing — including lenders who work with ITIN holders and those building credit for the first time. This guide walks you through what financing is available, who qualifies, what paperwork to gather, and which local organizations can help you every step of the way.
- 5
- DOORS HERE
- 37
- ACROSS SC
Based in Charleston, South Carolina. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in New Martinsvill, West Virginia. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in North Charlesto, South Carolina. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in North Charlesto, South Carolina. 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.Everything below is set by South Carolina, and it reads the same in every county in it. The 5 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. South Carolina sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- BUSINESS TAX5.0%
What South Carolina charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX5.0%
It depends on how the business is registered. A sole proprietor almost never pays it — worth knowing which side of that line you are on before you apply.
- SALES TAX6.0% state · 1.5% avg local
What you collect on a job, and what your materials cost. It is the gap between a bid that holds and one that does not.
- WHERE THE MONEY IS HEREAutomotive Manufacturing · Aerospace & Boeing · Tourism & Hospitality
South Carolina's three biggest sectors. A local lender reads your file against them — a trade that serves these is a trade they already understand.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
5 doors sit inside the Berkeley County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
2 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
35 of South Carolina's 46 counties hold a door in this lane. If Berkeley County does not have the one you need, the whole state is one click away.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN BERKELEY COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN BERKELEY COUNTY →35SC COUNTIES WITH DOORSThe whole stateEvery county in South Carolina, in this same lane.37 institutions fund small businesses inside South Carolina 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.