Business financing in Scott County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Scott County line. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Scott 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.
- 1
- DOORS HERE
- 1
- BASED HERE
- 58
- TN COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 22Kresidents of Scott County
- Elsewhere in TN
- Shelby County →25 doors — the biggest list of any other county in Tennessee
- State
- Tennessee →58 of 95 counties hold a door in this lane
- The First National Bank of OneidaPersonal · Business capital
- Communities Unlimited, Inc.SBA microlenderCommunity lending · Business capital
- LiftFund, Inc.SBA microlenderCommunity lending · Business capital
- People Incorporated Financial ServicesSBA microlenderCommunity lending · Business capital
- The Housing Fund, Inc.Community lending · Business capital
- United Housing, Inc.Community lending · 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.
This guide helps small business owners, solo contractors, and real estate investors in Scott County, Tennessee understand their financing options. It focuses on local lenders, community development organizations, and credit unions that actually serve this region. Federal programs like SBA loans are explained as helpful context, but the real emphasis is on who you can walk in and talk to closer to home. Whether you have a Social Security Number or an ITIN, there are pathways here for you.
- 1
- DOORS HERE
- 62
- ACROSS TN
Based in Helenwood, Tennessee. 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 FORA personal loan, or building a credit file from nothing, and working capital, equipment and payroll for a small business.The rules where you are.
None of this is set by a lender. Tennessee 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 TAX6.5%
What Tennessee charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX6.5%
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 TAX7.0% state · 2.55% 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 HEREMusic & Entertainment · Healthcare & Hospitals · Automotive Manufacturing
Tennessee'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
1 door sit inside the Scott County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 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
58 of Tennessee's 95 counties hold a door in this lane. If Scott 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 SCOTT COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SCOTT COUNTY →58TN COUNTIES WITH DOORSThe whole stateEvery county in Tennessee, in this same lane.62 institutions fund small businesses inside Tennessee 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.