Business Financing Guide for Davis County, Utah
This guide helps solo contractors and small business owners in Davis County, Utah understand their financing options — from local credit unions and CDFIs to SBA-backed loans and ITIN-friendly lenders. We highlight the local intermediaries who actually serve this community, so you know exactly where to start. Federal programs like SBA 7(a) and SBA 504 are available but are most accessible through local partners, not directly through Washington. Take your time, compare options, and never sign anything you don't fully understand.
It's a tool, not a trap.
Four doors worth knowing.
Every institution below comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Don't fall into these traps.
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.