Business financing in Johnson County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Johnson County line. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Johnson 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.
- 1
- DOORS HERE
- 1
- BASED HERE
- 99
- TX COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 180Kresidents of Johnson 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
- Members Credit UnionPersonal · Home · Business capital
- Alliance for Multicultural Community ServicesBusiness capital
- AltCapSBA microlenderCommunity lending · Business capital
- Just Community, IncCommunity lending · Business capital
- LiftFund, Inc.SBA microlenderCommunity lending · Business capital
- PeopleFundSBA microlenderCommunity lending · 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.
Johnson County sits just south of Fort Worth, where Cleburne's railroad and manufacturing roots, gas-field service work, cattle and hay country, and fast-growing commuter towns like Burleson, Joshua, and Alvarado all meet. This guide explains how business financing works for the contractors, haulers, shops, and food businesses that live here, who qualifies, what to gather, and which doors serve the county: one credit union based in Cleburne, statewide mission lenders, and national nonprofits that work with ITIN holders. We also cover Texas rules and the traps that catch small operators.
It's a process, not a rejection.
Business financing is money you borrow or receive to start, run, or grow your work. The common shapes: a term loan repaid on a schedule, a line of credit you draw on between jobs, a microloan for smaller amounts, an equipment loan secured by the truck, trailer, or machine itself, and the occasional grant.
Johnson County, home to about 179,927 people, has several economies stacked on top of each other.
Cleburne, the county seat, grew up as a railroad town and still has manufacturing and industrial work.
The county sits over part of the Barnett Shale, and natural gas drilling brought a wave of oilfield-style service businesses — haulers, welders, pumpers, pipe and site crews — whose work rises and falls with the gas market. Out in the countryside around Godley, Grandview, Venus, and Keene, there are cattle, hay, and small farms.
And on the north end, the Fort Worth suburbs keep moving south. Burleson, Joshua, and the land around Alvarado fill with subdivisions, schools, and storefronts, and that build-out needs framers, roofers, concrete and foundation crews, electricians, plumbers, HVAC techs, fence builders, and the taco trucks and small restaurants that feed them.
For financing, that mix means most small businesses here have lumpy income: draws from builders, invoices to gas operators that pay on their own schedule, hay and cattle sales a few times a year. A line of credit or an equipment loan usually fits that shape better than a single lump-sum loan, and a lender who reads months of bank statements will understand you better than one who wants a single pay stub.
Forget what the banks say.
Lenders look at your ability to repay, your credit history (or ITIN history if you file without a Social Security Number), how long you have been in business, and whether your plan fits the local market.
In Johnson County, the strongest cases often come from:
- Construction subcontractors working the subdivisions and commercial projects spreading south from Fort Worth
- Gas-field service operators — welders, haulers, site-prep and pipe crews — who can show steady contracts with operators
- Truckers and haulers moving gravel, hay, equipment, and freight along the highways and rail-served industrial sites
- Small manufacturing and machine shops around Cleburne
- Cattle and hay operations that need equipment or operating money between sales
- Food businesses and storefronts — trucks, panaderías, small restaurants, auto shops, and salons serving a growing population
What helps: one dedicated business account, tax returns that match your real income, and repeat clients. Gas-field businesses should be ready to show how they weathered slower drilling periods; lenders know that work is cyclical and want to see that you do too.
What hurts: cash income that never hits the bank, no tax returns, and personal and business money mixed together.
If you have an ITIN instead of an SSN, you are not automatically shut out. Some mission lenders work with ITIN borrowers; we name the verified ones below. If your credit is thin or your business is new, start with a microloan or a credit-building program.
Get your papers in order.
Most Texas business applications ask for some version of the following:
- 01**Photo ID**
Texas license, passport, or other government ID; some institutions accept a consular ID, so ask first
- 02**SSN or ITIN**
- 03**Business registration**
Assumed name certificate from the county clerk, or LLC filing with the Texas Secretary of State
- 04**Tax returns**
Usually two years, personal and business
- 05**Bank statements**
Several months of business statements; for contractors, often the most important document
- 06**1099s
Invoices, and contracts** — builder agreements, master service agreements with gas operators, or purchase orders
- 07**Insurance certificates**
General liability and commercial auto; gas operators and builders often require them, and lenders like seeing them
- 08**Equipment list**
Trucks, trailers, welders, skid steers, balers, with rough values
- 09**Trade licenses** where your trade requires one
- 10**A one-page plan**
What you do, who pays you, what the money is for, how it gets repaid
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Johnson County has one door in our directory based inside the county line, plus statewide and national mission lenders. Based in the county: • Members — a credit union headquartered in Cleburne.
ALL 1 DOORS, BY NAME AND BY TOWN- 1
- DOORS HERE
- 117
- ACROSS TX
Based in Cleburne, 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.
Don't fall into these traps.
An MCA buys a slice of your future revenue and pulls payments daily or weekly. When a gas operator is slow to pay an invoice or a builder delays a draw, MCA brokers call. The true cost is often far higher than a loan.
One advance leads to a second and third, and a slow quarter becomes a lost business.
Selling your invoices can be useful in the gas field, but read the fees, recourse terms, and length of the contract.
A legitimate lender does not charge you before approval and funding.
You can lose the truck that earns your living.
Compare the total cost to buying.
Know what personal assets you put at risk.
In Texas, a notario público is not a lawyer and cannot give legal advice or prepare legal documents.
An honest offer survives a night of reading and a comparison with another.
The rules where you are.
If you work under any name other than your legal name, file an assumed name certificate — with the county clerk for sole proprietors, or with the Texas Secretary of State for LLCs and corporations.
Retail, food, and some services are taxable in Texas. Get a sales and use tax permit from the Texas Comptroller if you need one.
LLCs and corporations file an annual franchise tax report with the Comptroller, even when no tax is due.
Texas has no statewide general contractor license, but electricians and air-conditioning contractors are licensed through the Texas Department of Licensing and Regulation, and plumbers through the state plumbing board. Cities add permits and registrations.
If you haul for hire with commercial vehicles, you may need state and federal motor carrier registration and a commercial driver's license. Check before you borrow for a bigger truck.
Gas-field service businesses operate under rules overseen by the Railroad Commission of Texas and under operators' own safety and insurance requirements.
Texas lien law protects unpaid subcontractors and suppliers, but only with strict notice deadlines.
The Texas Department of Agriculture runs financing and grant programs for rural and agricultural businesses.
The short version.
- 01
If you build, haul, weld, ranch, or run a shop in Johnson County, real financing options exist. Members, a credit union based in Cleburne, is the one door in our directory inside the county. Statewide mission lenders serve the whole state, and national nonprofits like Accion Opportunity Fund and Mission Asset Fund work with ITIN holders.
- 02
Run your income through one business account, file your taxes, keep your insurance certificates and contracts organized, and ask the two questions at every door. Avoid merchant cash advances and anyone who charges upfront.
- 03
Origen Capital is a directory, not a lender. We do not collect your information, and we do not sell you anything. Use this guide as a starting point and work directly with the institution you choose when you are ready to apply.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN JOHNSON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN JOHNSON 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.