Business financing in Guadalupe County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Guadalupe County line, but 3 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Guadalupe 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.
- 3
- DOORS HERE
- 0
- BASED HERE
- 99
- TX COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 173Kresidents of Guadalupe County
- Elsewhere in TX
- Harris County →50 doors — the biggest list of any other county in Texas
- State
- Texas →99 of 254 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Guadalupe County line. You can walk in.
- Credit Human Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- Soarion Credit UnionPersonal · 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
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.
Guadalupe County sits on the growing eastern edge of the San Antonio metro — new subdivisions in Schertz and Cibolo, plants and a university town in Seguin, and ranch and farm country in between. If you run a crew, a shop, or a food business here, this guide explains how business financing works, who qualifies, what paperwork to gather, which institutions actually serve the county (honestly, none are based inside it), what Texas requires, and the traps to avoid. Nothing to fill out, nothing collected.
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 comes as a term loan you repay on a schedule, a line of credit you draw on when cash runs short, an equipment loan secured by the truck, trailer, or machine you are buying, or a microloan — a smaller loan built for owners who are new or have thin credit.
Guadalupe County's economy has three layers. The western side — Schertz, Cibolo, and the area along Interstate 35 and Interstate 10 toward San Antonio — has been filling with new subdivisions, and with them come constant work for framers, roofers, concrete crews, electricians, plumbers, landscapers, fence builders, and cleaning companies.
Military families from nearby Randolph add steady demand.
Seguin, the county seat, has manufacturing plants, Texas Lutheran University, and an old downtown with restaurants and shops. And across the rest of the county are ranches, row crops, pecan orchards, and the trades that serve them.
That makes this a strong county for a small contractor: the work is here. What is thin is local lending. No bank, credit union, or CDFI in our directory is based inside the Guadalupe County line. A few San Antonio credit unions keep branches here, and national nonprofits fill some of the gap. This guide walks you through them honestly.
Forget what the banks say.
Every lender asks the same questions: can you repay, what does your credit say, how long have you been at this, and does the plan make sense here. A busy local construction market helps your case.
Strong candidates in Guadalupe County often include:
- 1099 subcontractors working new-home construction for builders in Schertz, Cibolo, and the growing edges of Seguin and New Braunfels
- Crews ready to buy their own trailer, mixer, or second truck instead of renting
- Remodelers, fence and patio builders, and landscapers serving newer neighborhoods
- Food trucks, taquerías, panaderías, and small restaurants in Seguin and along the highway corridors
- Ranch and farm service businesses — hauling, fencing, equipment repair, hay
- Veterans and military spouses starting businesses near Randolph
Many Latino business owners here come from Tejano families that have been in this part of Texas for generations, with SSNs and long local roots.
Others arrived more recently and use an ITIN.
If you have an ITIN instead of an SSN, you are not shut out — the national tier below names verified ITIN-friendly lenders.
If you are new or your credit is thin, start with a microloan. Pay it on time and the next loan gets easier.
Get your papers in order.
Every lender has its own list, but expect these:
- 01Government photo ID
- 02SSN or ITIN
- 03Proof of your business
An assumed name (DBA) certificate from the Guadalupe County Clerk if you are a sole proprietor using a business name, or your LLC or corporation filing with the Texas Secretary of State
- 04Your Texas sales and use tax permit, if you sell taxable goods or services
- 05Any trade license you hold
For example an electrical, air conditioning, or plumbing license
- 06The last two years of personal tax returns, plus business returns if you file them
- 07Several months of business bank statements
Keep business and personal money in separate accounts
- 08For subcontractors
Your 1099s and invoices to the builders you work for
- 09Proof of general liability insurance, which most builders already require
- 10A simple profit-and-loss statement, even one you made yourself
- 11Quotes for any truck, trailer, or equipment you want to buy
- 12Short plan
What you do, who pays you, and how this money brings in more work
The doors worth knowing.
Here is the honest picture: no institution in our directory is based inside the Guadalupe County line. The doors that serve the county come from San Antonio branches and national nonprofits.
ALL 3 DOORS, BY NAME AND BY TOWN- 3
- DOORS HERE
- 117
- ACROSS TX
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.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in San Antonio, 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 San Antonio, Texas. 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.
Don't fall into these traps.
Fast-growing areas attract fast money. Watch for:
Not a loan. A company buys part of your future sales or deposits at a steep price and pulls from your account daily or weekly. When a builder pays late, those pulls do not stop. Treat them as a last resort.
Taking a second advance to pay the first. Once the pulls stack, you work for the advance companies.
A real lender does not charge before approval or funding. Gift cards, wires, and crypto requests are scams.
Texas allows high-cost payday and auto title loans through credit access businesses. Putting your work truck up as collateral for business cash can cost you the truck and the business.
If builders pay slowly, talk with them about terms and keep a cushion before you borrow to make payroll.
In Texas, a notario público is not a lawyer and cannot give legal or immigration advice. Use licensed professionals.
No real lender says sign today. Take it home and compare.
Everything below is set by Texas, and it reads the same in every county in it. The 3 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
A few Texas rules shape how you set up and borrow:
A sole proprietor using a business name files an assumed name certificate with the county clerk. LLCs and corporations file with the Texas Secretary of State, and LLCs owe annual franchise tax reports to the Texas Comptroller even when no tax is due.
If you sell taxable goods or services, get a sales and use tax permit from the Texas Comptroller before you start. Some construction and repair work is taxable in Texas and some is not — ask before you price a job.
Texas has no statewide general contractor license, but electricians and air conditioning contractors are licensed by the Texas Department of Licensing and Regulation, and plumbers by the state plumbing board. Cities may require their own registrations and permits.
Texas has no personal income tax, but you still owe federal taxes on what you earn. Keep records and pay quarterly estimates if you are self-employed.
The Office of the Governor's economic development work and the Texas Department of Agriculture support small and rural businesses. The SBDC network can tell you what is open now.
The Texas Office of Consumer Credit Commissioner regulates many non-bank lenders and takes complaints.
The short version.
- 01
If you run a crew, a shop, or a food business in Guadalupe County, the work is here even if local lenders are thin. No institution in our directory is based inside the county, but San Antonio credit unions keep branches here, and national nonprofits lend to ITIN holders.
- 02
Get your papers ready: ID, SSN or ITIN, your DBA or LLC filing, tax permit, licenses, tax returns, bank statements, and a simple plan. Deposit what you earn. Use free help from SCORE and the SBDC network.
- 03
Ask every door two questions: do you lend to someone in my situation, and do you report payments to the credit bureaus?
- 04
Origen Capital is a directory, not a lender. We do not collect your information and do not sell you anything. Use this guide as a starting point and work directly with the institution when you are ready to apply.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN GUADALUPE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN GUADALUPE COUNTY →99TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.117 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.