Business financing in Davis County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Davis County line, but 9 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Davis 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.
- 9
- DOORS HERE
- 0
- BASED HERE
- 22
- UT COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 363Kresidents of Davis County
- Covers
- Layton
- 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
Based elsewhere, with a member-facing office inside the Davis County line. You can walk in.
- America First Credit UnionPersonal · Home · Business capital
- Canyon View Credit UnionPersonal · Home · Business capital
- Cyprus Credit UnionPersonal · Home · Business capital
- Deseret First Credit UnionPersonal · Home · Business capital
- Goldenwest Credit UnionPersonal · Home · Business capital
- Granite Credit UnionPersonal · Home · Business capital
Show the other 3Show fewer
- Mountain America Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- Utah First 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.
Davis County sits along the I-15 corridor between Salt Lake City and Ogden, with Hill Air Force Base, a busy industrial and distribution base, and some of the fastest-growing suburbs in the state. That growth keeps contractors, landscapers, cleaners, and small service businesses busy. This guide explains how business financing works here, who qualifies, what paperwork to gather, and which doors actually reach Layton and the rest of the county — including the honest fact that our directory lists none based inside it. Origen Capital is a directory, not a lender, and asks nothing from you.
It's a process, not a rejection.
Business financing is money you borrow, or sometimes receive as a grant, to start, run, or grow your work. For small operators it usually comes as a term loan with fixed payments, a line of credit for gaps between jobs and payment, an equipment loan secured by the truck, trailer, or machine you buy, or a microloan, a smaller loan aimed at newer businesses and thinner credit files.
Davis County's economy is shaped by a few big forces. Hill Air Force Base is the largest employer in the area and pulls in defense contractors, maintenance shops, and a constant flow of military families moving in and out.
The industrial and distribution parks around Clearfield and the freeway corridor create warehouse and logistics work.
And the suburbs from Bountiful to Syracuse keep building new subdivisions, which means framing, concrete, roofing, drywall, landscaping, and finish work.
Small businesses here often live off that growth: subcontracting for builders, maintaining yards and HOA common areas, cleaning offices and new-construction homes, running food trucks at events, or doing repairs for landlords. Lenders understand those customers. Your job is to show the steady work on paper.
Forget what the banks say.
Lenders look at whether you can repay, your credit history, how long you have operated, and whether the plan makes sense. In Davis County, people who often qualify include:
- Construction subcontractors with steady 1099 income from builders and general contractors
- Landscapers and snow-removal operators who cover both seasons and can show year-round deposits
- Cleaning businesses with recurring commercial or move-out clients
- Military spouses and veterans running home-based or mobile businesses
- Small landlords with one to a few rental doors and documented rent deposits
- Food trucks and event vendors with card-sales history
Seasonal work is normal here. Landscaping peaks in warm months, snow work in winter, and construction slows in the coldest stretch. Show twelve months of deposits so a lender sees the whole year.
No SSN? Some lenders accept an ITIN, and the national nonprofits below accept it outright. Thin credit? Start with a microloan or a credit-builder product and build from there.
Get your papers in order.
- 01Government-issued photo ID
- 02SSN or ITIN
- 03Business registration with the state, and any city business license
- 04Your Utah contractor license if your trade requires one
- 05Two years of personal tax returns, and business returns if you file them
- 06Three to twelve months of business bank statements
- 071099s or contracts from builders, property managers, or other clients
- 08A simple profit-and-loss statement
- 09A list of equipment, trailers, and vehicles you own
- 10One-page plan
What you do, who pays you, what the money is for, and how you will repay it
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Here is the honest picture: our directory does not list a single institution based inside the Davis County line. That does not mean you are out of options.
ALL 9 DOORS, BY NAME AND BY TOWN- 9
- 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 Salt Lake 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 West Jordan, 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 Salt Lake City, 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.
fast money against future sales, with daily withdrawals and a real cost that is often enormous. Not a first option.
Utah sets few limits on what consumer lenders can charge. Pledging your work truck to cover materials can cost you the truck.
legitimate lenders do not charge large fees before funding or promise approval before reviewing your file.
compare with a credit union quote before you sign.
a notario público is not a lawyer in Utah. Use a licensed attorney, CPA, or IRS-certified acceptance agent for ITIN and tax paperwork.
any offer that expires today is a reason to walk away.
Everything below is set by Utah, and it reads the same in every county in it. The 9 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Registration: LLCs and corporations register with the state's Division of Corporations and Commercial Code. Sole proprietors using a business name register a DBA there too.
Sales and income tax: if you sell taxable goods or services, you need a sales tax license from the Utah State Tax Commission. Utah has a flat state income tax on business profit that passes through to you.
Contractor licensing: Utah requires a state contractor license through the Division of Professional Licensing for most construction work, with separate classifications for trades. Lenders funding construction work will ask to see it.
City licenses: Layton, Bountiful, Clearfield, and the other cities each issue their own business licenses, including for many home-based businesses.
State help: the Governor's Office of Economic Opportunity and the SBDC network can point you to any current state small-business programs.
The short version.
- 01
Davis County has steady work for small businesses but no institution in our directory based inside the county line. Your doors are branches of Wasatch Front credit unions and national nonprofits like Accion Opportunity Fund, Grameen America, and Mission Asset Fund.
- 02
Get your paperwork ready, show a full year of deposits, and ask every institution two questions: do you lend to ITIN holders, and do you report to the credit bureaus?
- 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 when you are ready.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN DAVIS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN DAVIS 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.