Business financing in Orange County.

County-by-county financing guides. No paperwork. No social. No ID.

No institution is headquartered inside the Orange County line, but 1 keep an office open here. They are below, by name and by town.

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Not this lane? Home FinancingPersonal Financing

In this county1DOORS INSIDE THE COUNTY LINE

THE DIRECTORY

The doors in Orange 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.

THE MAP OF DOORSVirginia

Orange County

1: DOORS HERE
0: BASED HERE
67: VA COUNTIES WITH DOORS

At a glance

Lane: Business Financing
County: Orange County · 36K residents
State: Virginia →
Institutions: 121 inside the county line · 0 headquartered here

LEER ESTO EN ESPAÑOL

No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page 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.

Keeps a branch in Orange County1

Based elsewhere, with a member-facing office inside the Orange County line. You can walk in.

Partners 1st Credit UnionFort Wayne · Credit union
Personal · Home · Business capital

Serving all of Virginia8

Ascendus Inc.SBA microlenderNew York · CDFI loan fund
Community lending · Business capital
Business Seed Capital, Inc.Roanoke · CDFI loan fund
Community lending · Business capital
Community Business Partnership, Inc.Springfield · SBA microloan intermediary
Business capital
Community Investment CollaborativeSBA microlenderCharlottesville · CDFI loan fund
Community lending · Business capital
ECDC Enterprise Development GroupSBA microlenderArlington · CDFI loan fund
Community lending · Business capital
IN THIS LIST
6 of the 12 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Latino Economic Development Corp.Washington · SBA microloan intermediary
Business capital
Life Asset, Inc.SBA microlenderWashington · CDFI loan fund
Community lending · Business capital
People Incorporated Financial ServicesSBA microlenderAbingdon · CDFI loan fund
Community lending · Business capital

National — works with an ITIN3

Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal

NO SOCIAL SECURITY NUMBER

3 of these doors accept an ITIN.

They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.

A worn carpenter's bench at first light, hand tools and gloves laid out — OPEN DOORS IN ORANGE COUNTY

THE GUIDE

This guide helps solo contractors, small business owners, and real estate investors in Orange County, Virginia understand their financing options. It highlights local CDFIs, credit unions, SBA resources, and ITIN-friendly lenders that actually serve this region. Federal programs are included as background — the focus is on local intermediaries who know Orange County's economy. Take your time, compare options, and never feel pressured to sign anything quickly.

FROM HERE

Same county, another question.

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN ORANGE COUNTY →

A porch at dusk, string lights on, two chairs pulled up

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN ORANGE COUNTY →67VA COUNTIES WITH DOORSThe whole stateEvery county in Virginia, in this same lane.64 institutions fund business financing inside Virginia county lines.OPEN THE STATE →

The Virginia counties with the most doors of this kind

Fairfax County14 doors Henrico County10 doors Arlington County7 doors Alexandria city7 doors Roanoke County6 doors Virginia Beach city5 doors Chesterfield County5 doors Norfolk city5 doors

Across the network

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions