Business financing in Hays County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Hays County line, but 5 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Hays 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.
- 5
- DOORS HERE
- 0
- BASED HERE
- 99
- TX COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 241Kresidents of Hays County
- 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
Based elsewhere, with a member-facing office inside the Hays County line. You can walk in.
- A+ Credit UnionPersonal · Home · Business capital
- Greater Texas Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- University Credit UnionPersonal · Home · Business capital
- Government Employees 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
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.
Hays County is one of the fastest-growing counties in Texas, stretching from the southern suburbs of Austin through San Marcos and Kyle to Wimberley. Whether you are a solo contractor, a small landlord, or a first-time business owner — including those who work with an ITIN rather than a Social Security Number — there are local lenders, credit unions, and community development organizations that are built to serve you. This guide walks you through what business financing looks like in Hays County, who qualifies, what paperwork to gather, and which local institutions to contact first. Federal programs like SBA loans are real options, but local intermediaries are your front door to them.
- 5
- DOORS HERE
- 118
- ACROSS TX
Based in Austin, 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 Austin, 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.Based in Austin, 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.Everything below is set by Texas, and it reads the same in every county in it. The 5 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Texas 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 TAX0.375% – 0.75% franchise
What Texas charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAXNone (franchise tax)
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 TAX6.25% state · 1.95% 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 HEREOil & Gas · Technology & Semiconductors · Ranching & Agriculture
Texas'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
5 doors sit inside the Hays County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
5 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 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
99 of Texas's 254 counties hold a door in this lane. If Hays 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 HAYS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN HAYS 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.