Business financing in Horry County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Horry County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Horry 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.
- 2
- DOORS HERE
- 1
- BASED HERE
- 35
- SC COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 351Kresidents of Horry County
- 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
- Carolina Trust Credit UnionPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the Horry County line. You can walk in.
- South Carolina Credit UnionPersonal · Home · Business capital
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- CLIMBFundBusiness capital
- CommunityWorksSBA microlenderCommunity lending · Business capital
- Security Federal BankPersonal · Business capital
- Small Business Assistance Corporation (Servicing Southeast GA, and Lowcountry SC)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
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.
Horry County is the Grand Strand: Myrtle Beach hotels and restaurants, golf courses, a construction boom fed by retirees and new families, and farm country inland around Conway and Loris. Business income here rises and falls with the tourist season. This guide explains how business financing works for the contractors, crews, and small storefronts who live by that rhythm, what lenders want to see, which credit unions keep doors in the county, which nonprofits lend with an ITIN, and the traps to avoid.
It's a process, not a rejection.
Business financing is money you borrow, or sometimes receive as a grant, to start, run, or grow a business. It usually takes one of four forms: a term loan repaid on a schedule, a line of credit you draw on when a job needs materials, an equipment loan secured by the truck or machine you are buying, or a microloan, a smaller loan from a mission-driven lender that works with people banks often turn away.
Horry County's economy has two engines. The first is tourism along the Grand Strand: hotels, beach rentals, restaurants, golf courses, attractions, and every business that cleans, repairs, supplies, and staffs them. The second is growth.
Retirees and working families keep moving to the coast, and homebuilders, framers, roofers, painters, landscapers, pool and HVAC contractors have followed.
Inland, around Conway, Aynor, and Loris, the county is still farm and timber country.
Both engines are seasonal. Tourism peaks in summer and thins in winter. Construction keeps going year-round but slows when weather or interest rates bite, and hurricane season can stop work for weeks and then flood contractors with repair jobs. A good financing plan here is built around that shape: a line of credit to carry payroll through the slow months is often worth more than a big lump-sum loan.
Forget what the banks say.
Lenders ask the same questions everywhere: can you repay, how have you handled credit, how long have you been at it, and does the plan fit the market. Smaller lenders and credit unions weigh your track record and your story along with the score.
Strong candidates in Horry County often include:
- Construction subcontractors working for builders across the county: framing, drywall, roofing, siding, concrete, tile, painting
- Cleaning crews that turn over beach rentals and hotel rooms
- Landscaping, irrigation, pool service, and HVAC operators serving homeowners and HOAs
- Restaurants, food trucks, and small retail shops that live on the summer season
- Storm-repair contractors who can document work after hurricane seasons
- Farm and timber businesses inland: equipment, hauling, and harvest crews
If you are paid on 1099s, you are a business owner in a lender's eyes, and your 1099s and deposits are your proof of income. If your income is seasonal, expect the lender to review a full year or two of deposits.
If you have an ITIN instead of a Social Security number, you are not automatically shut out. Some lenders below accept ITINs outright; for others, ask directly before you apply.
Get your papers in order.
Every lender has its own checklist, but almost all of them ask for some version of this.
- 01A government photo ID
- 02Your Social Security number or ITIN
- 03Business registration
LLC or corporation papers from the South Carolina Secretary of State, and the local business license from the county or your city
- 04Any contractor license or registration your trade requires
- 05Two years of personal tax returns, and business returns if separate
- 06Several months of business bank statements from an account separate from your personal one
- 071099s and a list of the builders
Property managers, or customers you work for most
- 08A one-page explanation of what the money is for and how it will be repaid
- 09A simple profit-and-loss statement
- 10A list of equipment, trucks, and tools you own
- 11Proof of liability insurance
Which many builders and property managers require anyway
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Horry County's local door pool is small, so it helps to know every one of them.
ALL 2 DOORS, BY NAME AND BY TOWN- 2
- DOORS HERE
- 37
- ACROSS SC
Based in Myrtle Beach, 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.Based in North Charleston, South Carolina. 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.
Don't fall into these traps.
Seasonal businesses are a favorite target of expensive money, especially in the slow months.
They buy your future sales at a steep discount and pull payments daily or weekly. In January on the Grand Strand, that can drain an account fast. Use them only as a last resort.
A legitimate lender does not charge you before approval.
Taking a second advance to pay the first is how businesses go under.
After a hurricane, out-of-town operators offer fast equipment and payroll money at punishing terms. SBA disaster loans and local credit unions are usually far cheaper.
Any offer that expires today is meant to stop you from comparing.
A notario público is not a lawyer in the United States and cannot prepare legal filings for you. Use the Secretary of State filing directly, an SBDC counselor, or a licensed attorney.
Most small business loans require one. Know what you are putting on the line before you sign.
The rules where you are.
LLCs and corporations register with the South Carolina Secretary of State. Most businesses also need a local business license from Horry County or from the city where they operate, and businesses that sell goods need a retail license from the South Carolina Department of Revenue.
South Carolina licenses residential builders and certain specialty trades through the Department of Labor, Licensing and Regulation, and general and mechanical contractors above certain project sizes need a state license. Working unlicensed can leave you unable to enforce payment on a job, which is the worst position to be in when a loan payment is due.
The South Carolina Department of Commerce and the SBDC network can point you toward state small business programs. Ask what is open now; programs change.
After a hurricane, the SBA offers disaster loans to businesses, not only homeowners. Keep your records somewhere safe from water, because you will need them to apply.
The short version.
- 01
Horry County runs on tourism and construction, and both run on seasons. Build your financing around the slow months, not the busy ones. Start with Carolina Trust in Myrtle Beach and the South Carolina credit union branch, then statewide mission lenders, and the national nonprofits that accept an ITIN. Bring your plan to a free SBDC or SCORE counselor before you sign anything.
- 02
Origen Capital is a directory, not a lender. We do not collect your information, and nothing on this page asks you for anything.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN HORRY COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN HORRY 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.