Business financing in Collin County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the Collin County line, Plano included, and 11 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Collin 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.
- 13
- DOORS HERE
- 2
- BASED HERE
- 99
- TX COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 1.1Mresidents of Collin County
- Covers
- Plano
- 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
- Credit Union of TexasPersonal · Home · Business capital
- Redeemer Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Collin County line. You can walk in.
- Communityamerica Credit UnionPersonal · Home · Business capital
- Two Harbors Credit UnionPersonal · Home · Business capital
- Advancial Credit UnionPersonal · Home
- Councill Credit UnionMinority depositoryPersonal
- My Community Credit UnionPersonal · Home
- Rivertrust Credit UnionPersonal · Home
Show the other 5Show fewer
- Rockland Employees Credit UnionMinority depositoryPersonal · Home
- Safe 1 Credit UnionPersonal · Home
- State Agencies Credit UnionPersonal · Home
- Texas People Credit UnionPersonal · Home
- Unity Financial Credit UnionMinority depositoryPersonal · 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
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.
Collin County is where a large share of North Texas actually gets built. Corporate campuses line the tollway corridor through Plano and Frisco, subdivisions keep pushing north past McKinney, and behind all of it are the framing, concrete, roofing, HVAC, and landscaping crews doing the work. This guide explains what business financing is here, who tends to qualify in an economy like this one, which documents to have ready before you walk in, and which institutions actually serve Collin County — including the national ITIN-friendly nonprofits. It also names the traps that hit small contractors hardest. Nothing is asked of you in return.
It's a process, not a rejection.
Business financing means getting access to money that lets you start, run, or grow a business. It comes in a handful of shapes: a term loan you repay on a fixed schedule, a line of credit you draw from and pay back as work comes in, a microloan for smaller amounts when you are young or thin on records, equipment financing where the truck or the machine is its own collateral, and occasionally a grant you never repay.
Collin County's economy gives you a specific kind of story to tell. There is the corporate layer — the office campuses and headquarters along the Dallas North Tollway through Plano and Frisco, and the technology, insurance, and back-office employers around them. Then there is the layer that keeps the first one running: commercial cleaning, food service, security, IT contracting, staffing, and trucking.
And then there is construction, which is the county's engine. Collin County has been building homes and retail for years — McKinney, Allen, Wylie, Prosper, Celina, Princeton — and that means framing, concrete, drywall, paint, roofing, fencing, pool work, irrigation, landscaping, and HVAC.
North Texas hail seasons alone keep roofing and storm-repair crews working.
Most of that labor is subcontracted, which means most of the businesses in it are small: one owner, a truck, a crew of two to six, and invoices that get paid thirty to sixty days after the work is finished.
That gap between finishing a job and getting paid is the single most common reason people in this county borrow. It is a cash-flow problem, not a failure, and it has ordinary financing answers.
Forget what the banks say.
A lender is asking four questions, no matter how the application is worded: can you repay, have you repaid before, how long have you been doing this, and does the work make sense in this market.
In a county of more than a million people with this much construction and commercial activity, the answer to the last question is usually yes. What decides the application is how well you can show the first three. People who tend to get approved in Collin County look like this:
- Trade subcontractors with a steady general contractor or two behind them — concrete, framing, drywall, roofing, HVAC, electrical, plumbing
- Landscaping and irrigation crews with recurring commercial or HOA accounts
- Commercial cleaning, janitorial, and facilities crews holding office or retail contracts
- Owner-operator truckers and haulers, including hotshot and equipment transport
- Restaurant, bakery, food truck, and catering owners in Plano, Richardson-adjacent Plano, McKinney, and the Frisco retail corridors
- Home health, childcare, beauty, and repair shop owners working out of leased storefronts
- Small landlords and property investors who also run the maintenance themselves
If you file with an ITIN instead of a Social Security Number, you are not disqualified — but the door matters.
Some institutions lend only to people with an SSN, and there is no way to tell from the outside.
Ask directly, on the phone, before you fill out anything: do you lend to ITIN holders?
It is a normal question and a fast one.
If your business is new, or your credit file is thin because you have paid cash your whole life, microloans from nonprofit lenders are usually the realistic first step. They exist precisely for the borrower a bank's scoring model cannot read.
Get your papers in order.
Every lender keeps its own checklist, but a Texas business loan application almost always pulls from the same pile. Gathering it first is the difference between a two-week process and a two-month one.
- 01Government-issued photo ID
Texas driver's license or ID card, passport, or consular ID
- 02Your ITIN or SSN
- 03Assumed name certificate (DBA) if you operate under a name that is not your legal name, or your LLC or corporation formation paperwork
- 04Two years of personal tax returns
Plus business returns if the business has filed any
- 05Three to six months of business bank statements
If business and personal money share one account, say so up front rather than letting the lender discover it
- 06Simple profit-and-loss summary
One you typed yourself is acceptable as a starting point
- 071099s from the general contractors who pay you, if you subcontract
- 08Current contracts
Signed bids, or a schedule of work already committed — for a construction subcontractor this is often the strongest single document you own, because it shows revenue that has not arrived yet
- 09Accounts receivable list
Showing who owes you and how long it has been outstanding
- 10List of equipment
Trucks, and tools if you are offering collateral, with titles where they exist
- 11Certificate of insurance and any state trade license
Texas licenses electricians, plumbers, and air conditioning contractors at the state level, and lenders working with trades know to ask
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Start with the plain fact, because it shapes everything below: no community development financial institution — no CDFI, no nonprofit loan fund with a mission to lend to people banks turn away — is headquartered inside the Collin County line.
ALL 13 DOORS, BY NAME AND BY TOWN- 13
- DOORS HERE
- 118
- ACROSS TX
Based in Lenexa, Kansas. 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 Allen, Texas. 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 Two Harbors, Minnesota. 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 Dallas, 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.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.
Don't fall into these traps.
A fast-growing county with a lot of subcontractors waiting on invoices is exactly the market predatory lenders farm. Most of them will find you before you find them — by cold call, by text, by an ad that appears the day after you search for a loan.
These are not loans. A company buys a slice of your future revenue at a discount and takes a fixed amount out of your account daily or weekly, regardless of whether you got paid. Because they are structured as a purchase rather than a loan, the cost is often not shown as an interest rate at all. For a contractor with lumpy receivables, a daily debit is how a good month becomes a default.
Taking a second and third advance to service the first is the most common way small construction businesses in North Texas fail. If someone offers you money specifically to cover an existing advance, that is the pattern, not a solution.
Legitimate lenders take fees out of the funded loan or charge a modest documented application fee. Anyone who wants a wire or a card payment to "release" or "secure" your approval is running a fee scam.
You have a right to know which institution is actually lending, what the total dollar cost of repayment is, and what the annual rate works out to. A broker who dodges those three questions is being paid by the other side.
Putting your work truck's title up to cover payroll trades a cash-flow problem for the loss of the asset that earns the money.
No real lender's offer expires this afternoon. Read the personal guarantee, the confession of judgment if there is one, and the prepayment terms. Compare two offers in writing before you sign either. If you cannot understand the cost of a product after asking twice, that is the answer.
Everything below is set by Texas, and it reads the same in every county in it. The 13 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 general state business license, which surprises people who moved here. What you register depends on your shape. A sole proprietor or partnership operating under a name that is not the owner's legal name files an assumed name certificate — a DBA — with the county clerk. An LLC or corporation files formation paperwork with the Texas Secretary of State, and files its assumed names there. If you sell taxable goods or services, you need a sales and use tax permit from the state comptroller's office, and entities file a franchise tax report with that same office. There is no state personal income tax, which means the state return a lender in another state might ask for does not exist here; your federal returns carry that weight.
Trade licensing is state-level for some work and absent for others. Electricians, plumbers, and air conditioning and refrigeration contractors are licensed by the state. General contractors and roofers are not state-licensed, which means anyone can print a card — a fact that matters both when you hire and when a lender evaluates you. Local permitting is handled by each city, and Plano, Frisco, McKinney, Allen, and Wylie each run their own building departments.
Texas is a community property state. If you are married, a lender may ask your spouse to sign or acknowledge the loan even when the business is entirely yours. That is normal here and not a judgment about you.
The state's economic development and workforce agencies run small-business and workforce programs that change over time. Ask the SBDC advisor what is currently open rather than trusting a page you found last year.
The short version.
- 01
If you run a trade, a service crew, a truck, a shop, or a small portfolio of rentals in Collin County, financing is available to you, and the shape of your business is familiar to anyone who lends here.
- 02
No mission lender is headquartered inside the county, so your two local doors are credit unions — Credit Union of Texas in Allen and Redeemer in Plano — with a wider set of branch-present credit unions and, for ITIN borrowers especially, the national nonprofit tier: Accion Opportunity Fund, Grameen America, and Mission Asset Fund. Free advising through the SBDC network and SCORE costs nothing and materially improves an application.
- 03
Do three things this week. Pull three to six months of bank statements. Write one page describing what you do, who pays you, and how the loan gets repaid. Then call two institutions and ask whether they lend to someone with your documents — including, if it applies to you, whether they lend to ITIN holders.
- 04
Compare at least two written offers before signing anything. Let no one rush you.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN COLLIN COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN COLLIN 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.