Business financing in Roanoke County.
County-by-county financing guides. No paperwork. No social. No ID.
3 institutions are headquartered inside the Roanoke County line, and 7 more keep a branch here. Below, we say which is which.
Not this lane? Home FinancingPersonal Financing
The doors in Roanoke 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.
- 10
- DOORS HERE
- 3
- BASED HERE
- 67
- VA COUNTIES WITH DOORS
- Lane
- Business Financing
- People
- 97Kresidents of Roanoke County
- Elsewhere in VA
- Fairfax County →17 doors — the biggest list of any other county in Virginia
- State
- Virginia →67 of 133 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Freedom First Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Beacon Credit Union, Incorporated · Freedom First Credit Union- Blue Eagle Credit UnionPersonal · Home
- Kemba Roanoke Credit UnionPersonal · Home
- Salem Va Medical Center Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Roanoke County line. You can walk in.
- Beacon Credit Union, IncorporatedPersonal · Home · Business capital
- Freedom First Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Infirst Credit UnionPersonal · Home · Business capital
- Penair Credit UnionPersonal · Home · Business capital
- Valleystar Credit UnionPersonal · Home · Business capital
- IN THIS LIST
1 of the 10 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Virginia Credit UnionPersonal · Home · Business capital
Show the other 1Show fewer
- Roanoke Valley Community 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.
This guide helps solo contractors and small business owners in Roanoke County, Virginia understand their financing options in plain, straightforward language. It covers who qualifies, what documents you need, which local lenders and community organizations actually serve this area, and how to protect yourself from predatory products. Whether you have a traditional credit history or not, there are real pathways here for you. Take your time — good financing decisions are never rushed.
- 10
- DOORS HERE
- 65
- ACROSS VA
Based in Roanoke, Virginia. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Lynchburg, Virginia. 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 Alexandria, Virginia. 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 Richmond, Virginia. 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.Everything below is set by Virginia, and it reads the same in every county in it. The 10 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Virginia sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- BUSINESS TAX6.0%
What Virginia charges on top of federal. It is the first thing a lender reconciles when your numbers do not match your tax return.
- CORPORATE INCOME TAX6.0%
It depends on how the business is registered. A sole proprietor almost never pays it — worth knowing which side of that line you are on before you apply.
- SALES TAX4.3% state · 1.47% avg local
What you collect on a job, and what your materials cost. It is the gap between a bid that holds and one that does not.
- WHERE THE MONEY IS HEREGovernment & Defense Contracting · Data Centers & Tech · Shipbuilding & Ports
Virginia's three biggest sectors. A local lender reads your file against them — a trade that serves these is a trade they already understand.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
10 doors sit inside the Roanoke County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
67 of Virginia's 133 counties hold a door in this lane. If Roanoke County does not have the one you need, the whole state is one click away.
Same county, another question.
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN ROANOKE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN ROANOKE COUNTY →67VA COUNTIES WITH DOORSThe whole stateEvery county in Virginia, in this same lane.65 institutions fund small businesses inside Virginia 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.