Business financing in Gray County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the Gray County line, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Gray 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.
- Lefors Credit UnionPersonal · Home
- Pampa Municipal Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Gray County line. You can walk in.
- Acfcu Credit UnionPersonal · Home · Business capital
- Santa Fe Credit UnionPersonal · 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
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
This guide helps solo contractors, small business owners, and real-estate investors in Gray County, Texas understand their financing options clearly and honestly. It focuses on local lenders, community development financial institutions (CDFIs), credit unions, and ITIN-friendly lenders that actually serve the Pampa and Gray County area. Federal programs like SBA loans are explained as background context, while the real emphasis is on the local intermediaries who can walk you through the process in person. We also cover what to watch out for so you can protect yourself from predatory lending.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN GRAY COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN GRAY COUNTY →98TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.119 institutions fund business financing inside Texas county lines.OPEN THE STATE →
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