Business financing in Bexar County.
County-by-county financing guides. No paperwork. No social. No ID.
13 institutions are headquartered inside the Bexar County line, San Antonio included, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Bexar 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.
- 17
- DOORS HERE
- 13
- BASED HERE
- 99
- TX COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 2.0Mresidents of Bexar County
- Covers
- San Antonio
- Elsewhere in TX
- Harris County →52 doors — the biggest list of any other county in Texas
- State
- Texas →99 of 254 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.
LiftFund, Inc. · National Association for Latino Community Asset BuildersOwned 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.
Alliance Credit Union · Baptist Credit Union- Baptist Credit UnionPersonal · Home · Business capital
- Credit Human Credit UnionPersonal · Home · Business capital
- Firstmark Credit UnionPersonal · Home · Business capital
- Generations Community Credit UnionMinority depositoryPersonal · Home · Business capital
- LiftFund, Inc.SBA microlenderCommunity lending · Business capital
- IN THIS LIST
4 of the 17 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.
- National Association for Latino Community Asset BuildersCommunity lending · Business capital
- Neighborhood Housing Services of San Antonio, Inc.Community lending · Business capital
- River City Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
Show the other 5Show fewer
- Security Service Credit UnionPersonal · Home · Business capital
- Select Credit UnionMinority depositoryPersonal · Home · Business capital
- Soarion Credit UnionPersonal · Home · Business capital
- Alamo City Credit UnionMinority depositoryPersonal · Home
- Southwest Research Center Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Bexar County line. You can walk in.
- Alliance Credit UnionPersonal · Home · Business capital
- Communityamerica Credit UnionPersonal · Home · Business capital
- Greater Texas Credit UnionPersonal · Home · Business capital
- Nizari Progressive Credit UnionMinority depositoryPersonal · 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
Nobody paid to be on this list.
The 17 doors inside the county line come off public data, and 14 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
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.
Bexar County is San Antonio, and San Antonio runs on small operators — the roofing crew, the two-truck landscaping outfit, the taquería that started as a trailer. This guide explains what business financing actually is here, who qualifies when income arrives as 1099 checks instead of a salary, what paperwork to gather first, and which lenders and nonprofit resources genuinely serve this county. It also names the traps that circle small contractors in this market, and it asks nothing of you in return.
It's a process, not a rejection.
Business financing means money you use to start, run, or grow a business: a term loan with fixed payments, a line of credit you draw on only when you need it, a microloan too small for a big bank to bother with, equipment financing where the equipment is the collateral, or occasionally a grant.
Bexar County — "BAY-ar" to everyone who lives here — holds roughly 2 million people, nearly all in San Antonio or the ring around it. The work that moves money is specific: military installations and the contractors who service them, a medical and bioscience corridor with a constant construction appetite, hospitality built around downtown and the missions, trucking along I-35 and I-10, and residential building pushing north and west.
All of it runs on subcontractors. A general contractor holds the job, and a dozen small crews with their own trucks and tax IDs actually do it. If that is you, you are not an edge case here — you are the default borrower.
Forget what the banks say.
Lenders ask one question several ways: can you repay this, and can you show it. They look at your ability to cover the payment, your credit history, how long you have operated, and whether the work has demand behind it.
The wrinkle here is how people get paid. Very little looks like a salary. It looks like 1099 checks from two or three general contractors, heavy some months and thin others; cash and card sales from a trailer with no bookkeeper; per-job invoices where you finished in March and got paid in June; hospitality shifts that swing with conventions; one truck that is your entire production capacity.
None of that disqualifies you — it changes which door you knock on first. Banks want two years of clean, predictable statements. Community development financial institutions (CDFIs, meaning nonprofit or mission-driven lenders) are built to read uneven income and thin files, and they meet with you before you apply. Start there and let the bank come later. If you file taxes with an ITIN rather than a Social Security number, you can still borrow; it shortens the list, and the list is two sections down.
Get your papers in order.
Every lender keeps its own checklist, but this set comes up again and again, and gathering it first is the biggest time-saver available to you:
- 01Government-issued photo ID
Your ITIN or SSN, and your business EIN if you have one
- 02Assumed name (DBA) certificate from the county clerk, or your LLC formation paperwork
- 03Personal tax returns for two years
Plus business returns if the business files separately
- 04Three to six months of business bank statements
If business and personal money share one account, open a separate one now — it changes how your file reads
- 05Simple profit-and-loss summary
One page you built yourself counts as a start
- 06Short description
What you do, who pays you, and how the loan gets repaid
- 07Current contracts or a repeat-customer list
For a subcontractor, often the strongest document you own
- 08A list of vehicles and equipment if you are offering collateral, and your Texas sales tax permit if you sell taxable goods
The doors worth knowing.
Bexar County is one of the better-served counties in Texas for small-business capital.
ALL 17 DOORS, BY NAME AND BY TOWN- 17
- DOORS HERE
- 118
- ACROSS TX
Based in San Antonio, Texas. 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. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in San Antonio, Texas. 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 San Antonio, Texas. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in San Antonio, Texas. 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, and it is a minority depository.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
San Antonio's small-contractor economy is heavily targeted, and the pitches are polished. Walk away from these.
Not loans. A funder buys a slice of your future sales at a discount and pulls a cut of every card batch or a fixed amount daily. The effective cost routinely runs far above what a bank or CDFI charges, and because it is structured as a purchase, ordinary lending protections are weaker. Last resort, never a first stop.
If repayment comes out before the general contractor pays you, one slow job sinks you.
A legitimate lender does not require a large payment to "release" funding. A wire before you see money is a scam.
If you cannot learn who holds the loan, you cannot verify a single term of it.
Real underwriting takes days. Urgency is the tool.
Ask whether your house or your truck is attached, and get the answer in writing.
False. It shortens the list, and honest lenders say so plainly.
Everything below is set by Texas, and it reads the same in every county in it. The 17 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Texas has no state income tax, so your federal return and bank statements carry more weight than elsewhere — there is no state filing to corroborate your income. Keep those returns clean and consistent year to year.
A sole proprietor using a name that is not the owner's legal name files an assumed name certificate with the county clerk; an LLC or corporation registers with the Secretary of State and, above a revenue threshold, files a franchise tax report. A business that exists on paper is far easier to finance than one that does not, and a sales tax permit history becomes quiet proof you have been operating.
The line that matters most: Texas does not cap interest the way some states do. The same product can be priced very differently by two funders, and the state will not stop either one. That puts the burden of comparison on you. Get two offers in writing before accepting one.
The short version.
- 01
If you run a business or subcontract in Bexar County, you have real options, and several of the best are headquartered inside the county line.
- 02
A sensible order: gather your documents, open a separate business bank account, talk to a free advisor through the SBDC or SCORE, then approach a CDFI or a local credit union before you talk to anyone who found you first. If you borrow with an ITIN, start with the verified ITIN-friendly nonprofits above and ask every other institution directly — many CDFIs do lend to ITIN holders.
- 03
Ask two questions at every door: do you lend to people in my situation, and what will this cost in total. Get two written offers and take the weekend to read them.
- 04
Origen Capital is a directory, not a lender. We do not collect your information, we do not sell it, and we are not part of any application you make. Use this as a map, then work directly with the licensed lender, credit union, or CDFI you choose.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN BEXAR COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN BEXAR COUNTY →99TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.118 institutions fund small businesses inside Texas 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.