Business financing in Cache County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the Cache County line, and 6 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Cache 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.
- 8
- DOORS HERE
- 2
- BASED HERE
- 22
- UT COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 133Kresidents of Cache County
- Elsewhere in UT
- Salt Lake County →24 doors — the biggest list of any other county in Utah
- State
- Utah →22 of 29 counties hold a door in this lane
- Logan Medical Credit UnionPersonal · Home
- New Heights Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Cache County line. You can walk in.
- America First Credit UnionPersonal · Home · Business capital
- Deseret First Credit UnionPersonal · Home · Business capital
- Elevate Credit UnionPersonal · Home · Business capital
- Goldenwest Credit UnionPersonal · Home · Business capital
- Mountain America Credit UnionPersonal · Home · Business capital
- Members First 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 (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.
Cache County runs on a university town, a dairy and cheese valley, and a building trade that never quite catches up with demand. If you frame houses, haul milk, fix tractors, clean offices, or cook for a crowd in Logan, this guide explains how small-business money works here: who qualifies, what paperwork to gather, which credit unions are based in the valley or keep branches here, and which national nonprofits lend with an ITIN. It also covers Utah rules worth knowing and the traps that catch tradespeople first.
It's a process, not a rejection.
Business financing is borrowed or granted money that helps you start, keep running, or grow a business. For most people in Cache County it comes in one of four shapes: an equipment or vehicle loan secured by the truck or machine you buy, a line of credit you draw on when a job pays late, a small term loan for a specific expense, or a microloan from a mission lender for a first business with thin history.
The valley's economy shapes which of those fits you.
Logan is a university town, so there is steady work in rentals, food service, cleaning, and maintenance around campus.
The dairies, feed operations, and cheese and food-processing plants spread across the valley keep a lot of people employed, and many of those workers eventually start something of their own on the side: a welding rig, a hauling business, a small crew that does concrete or roofing. And the steady growth of the valley keeps residential construction busy, with a short building season squeezed by long, cold winters.
That winter matters. A framer or landscaper here may earn most of the year's income between spring and late fall, then live off savings or snow-removal work. A lender who understands the valley will look at your whole year, not one slow month. Your job is to show them that pattern clearly.
The rules where you are.
Every lender asks the same core questions: can you repay, what does your credit history say, how long have you been doing this work, and does the plan make sense for this market. You do not need a perfect score. You need a believable story backed by records.
People who tend to be good candidates here include:
- Tradespeople who left a crew to work for themselves: framers, drywallers, roofers, concrete finishers, electricians and plumbers with their own license
- Owner-operators who haul milk, feed, hay, or construction material around the valley
- Mechanics and welders who service farm equipment and work trucks
- Cleaning, painting, and property-maintenance businesses that serve rentals near campus
- Food businesses: caterers, taco trucks, bakeries, and small restaurants
- Small landlords with a duplex or a basement apartment
If you get paid on 1099s from general contractors, your tax returns and bank deposits are your proof of income. If your work is seasonal, bring two full years so a lender can see the winter dip and the summer recovery together.
If you have an ITIN instead of a Social Security number, you are not shut out. Some nonprofit lenders accept an ITIN in place of an SSN, and they are named below. For a brand-new business, a microloan from a mission lender is usually the most realistic first step.
Get your papers in order.
Having these ready before your first conversation saves weeks:
- 01A government-issued photo ID
- 02Your SSN or ITIN
- 03Your business registration or assumed-name filing with the state of Utah, and your contractor license if your trade requires one
- 04Personal tax returns for the last two years, and business returns if you file them
- 05Several months of business bank statements
Kept separate from your personal account if at all possible
- 06Simple profit-and-loss statement
Even one you write yourself in a notebook or spreadsheet
- 07List of equipment
Trucks, and trailers you own, with rough values
- 08Short description of the business
What you do, who pays you, and how the loan gets repaid
The doors worth knowing.
Two credit unions on this list are based in Logan itself, several more from elsewhere in Utah keep branches in the valley, and three national nonprofits serve borrowers here regardless of location.
ALL 8 DOORS, BY NAME AND BY TOWN- 8
- DOORS HERE
- 24
- ACROSS UT
Based in Riverdale, Utah. 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 West Valley City, Utah. 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 Brigham City, Utah. 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 Sandy, Utah. 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.
Small contractors get targeted with fast money that turns into slow pain. Watch for these:
sold as quick funding, they are purchases of your future sales at a steep price, often pulled daily from your account. In a seasonal business, a daily debit in January can sink you.
borrowing against your work truck to cover payroll risks the truck you need to earn. With no general rate cap in Utah, these can cost far more than they appear to.
a legitimate lender does not charge a large fee before you are approved and funded.
dealer financing can be fine, but always compare it with a credit union quote first.
an offer that expires today is a reason to walk away, not to sign.
Everything below is set by Utah, and it reads the same in every county in it. The 8 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 state-level points shape business borrowing here:
Business names and entities are registered with the Utah Division of Corporations and Commercial Code. A lender will want to see that registration, so file it before you apply.
Utah licenses contractors through the Division of Professional Licensing. If your trade needs a license and you do not have one, many lenders will not finance work in that trade, and unlicensed work can cost you payment on a job.
Utah sets no general cap on the interest rate a lender can charge if you sign for it. That makes it a state where reading the full cost of a loan matters more than usual.
Utah collects state income tax and sales tax. If your business sells goods or certain services, you may need a sales tax license. Keep your tax filings current; lenders check.
The state's economic development office and the SBDC can help you understand any state-backed small business support that is open at the time you apply.
The short version.
- 01
If you run a trade, a truck, or a small business in Cache County, you have real places to start. Two credit unions are based in Logan, several larger Utah credit unions keep branches in the valley, and national nonprofits like Accion Opportunity Fund and Mission Asset Fund work with ITIN holders.
- 02
Gather your ID, tax returns, bank statements, and registration first. Show your whole year, including the winter. Ask every lender two questions: do you lend to someone in my situation, and do you report payments to the credit bureaus. Compare at least two offers before you sign anything.
- 03
Origen Capital is a directory, not a lender. We do not collect your information or 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 CACHE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN CACHE COUNTY →22UT COUNTIES WITH DOORSThe whole stateEvery county in Utah, in this same lane.24 institutions fund small businesses inside Utah 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.