Business financing in Campbell County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Campbell County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Home FinancingPersonal Financing
The doors in Campbell 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.
Based elsewhere, with a member-facing office inside the Campbell County line. You can walk in.
- Highmark Credit UnionPersonal · Home · Business capital
- Wyoming Women's Business CenterBusiness 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
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.
This guide helps small business owners and solo contractors in Campbell County, Wyoming understand their financing options — from local credit unions and CDFIs to SBA-backed loans. Campbell County's economy is rooted in energy, ranching, construction, and small retail, and there are real local resources built for businesses like yours. We explain who qualifies, what documents you need, which local lenders to approach, and what traps to avoid. Origen Capital is a directory, not a lender — we help you find the right door to knock on.
What Is Small Business Financing?
Small business financing is money you borrow — or receive as a grant — to start, run, or grow a business.
It can cover equipment, a work truck, a storefront lease, payroll during slow months, or a building purchase.
In Campbell County, this often means financing for an oilfield services company, a ranch supply shop, a construction crew, or a food service business.
The most common types of financing you will encounter are:
• **Term loans** — You borrow a lump sum and pay it back over a set period with interest. Good for equipment or real estate.
• **Lines of credit** — A revolving credit account you draw from when you need cash and pay back as you go. Useful for slow seasons.
• **SBA-backed loans** — Loans made by a local bank or credit union, but partially guaranteed by the U.S. Small Business Administration. Because the lender takes less risk, you may qualify with a shorter business history or lower credit score.
• **Microloans** — Smaller loans, often under $50,000, offered by nonprofit lenders (CDFIs) that focus on underserved borrowers.
• **Equipment financing** — Loans tied specifically to a piece of equipment, which serves as collateral.
• **Grants** — Free money you do not repay, usually tied to a specific purpose or community goal. Harder to find, but worth looking for.
You do not need perfect credit or a long business history to explore all of these options. The key is knowing which product fits your situation.
Who Qualifies? Local Economy Context for Campbell County
Campbell County is anchored by Gillette, Wyoming's energy hub. Coal mining, oil and gas services, trucking, ranching, construction trades, and small retail make up the backbone of the local economy. Financing products in this region are shaped by that reality.
**You may qualify if you:**
- Are a sole proprietor, LLC, or small corporation doing business in Campbell County
- Have been operating at least 6–12 months (some programs accept startups)
- Can show some form of income, even if it is irregular or seasonal
- Have a Tax ID Number — either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN)
**ITIN borrowers:** Several lenders and CDFIs in Wyoming work with borrowers who use an ITIN rather than an SSN. You do not need to be a U.S. citizen to access small business financing. Ask lenders directly whether they accept ITIN applicants — the ones who do are noted in the lender section below.
**Energy sector volatility matters here.** If your business is tied to coal or oil and gas, some lenders will ask about your plan for demand shifts. Having a clear answer — even if your answer is diversification into construction or services — strengthens your application.
**Seasonal contractors** in construction, landscaping, or agriculture may qualify for lines of credit designed around irregular income. Do not assume a slow month disqualifies you.
Documents You Will Typically Need
Gathering your paperwork before you approach a lender saves time and shows you are serious. Most lenders in Campbell County will ask for some version of the following:
**For all applicants:**
- Government-issued photo ID (driver's license, passport, or consular ID)
- Tax ID Number — SSN or ITIN
- Last 2–3 years of personal tax returns (or 1 year if you are newer)
- Last 2–3 years of business tax returns, if your business has filed them
- Last 3–6 months of business bank statements
- A basic business plan or a one-page description of what you do and how you make money
- Proof of business registration with the Wyoming Secretary of State (a simple LLC filing works)
**For larger loans (typically over $50,000):**
- Profit and loss statement (P&L) — your lender or a local bookkeeper can help you make one
- Balance sheet
- Accounts receivable and accounts payable aging reports, if applicable
- Collateral list — equipment, vehicles, real estate you own
**For SBA loans specifically:**
- SBA borrower information form (your lender provides this)
- Personal financial statement
- Schedule of liabilities
**Tip:** If your records are informal — handwritten ledgers, cash-based income — a nonprofit CDFI lender is often more flexible than a traditional bank. They are used to working with borrowers who are building their financial records from scratch.
Local Lenders, CDFIs, Credit Unions, and SBA Resources That Serve Campbell County
This is the most important section. These are real institutions that operate in or serve Campbell County, Wyoming.
Wyoming State-Specific Regulatory Notes
Wyoming has a business-friendly regulatory environment, but there are a few things every small business owner in Campbell County should know before borrowing. **Wyoming has no state income tax.** This affects how your personal financial statements look to lenders — you will not have Wyoming state returns to provide, only federal returns. **Business registration is handled by the Wyoming Secretary of State.** Forming an LLC in Wyoming is inexpensive (around $100 as of this writing) and can be done online. Many lenders will ask to see your Certificate of Organization or Articles of Organization. If you have not registered your business yet, do this first — it protects your personal assets and makes you more credible to lenders. - Website: sos.wyo.gov **Wyoming has no usury cap for commercial loans.** This means lenders can technically charge any interest rate on a business loan. This is a reason to shop around and compare offers carefully, especially from online or non-bank lenders. **Wyoming Entrepreneur-Friendly Tax Climate:** Wyoming does not tax business income at the state level, making it easier to reinvest profits. Lenders familiar with Wyoming understand this and will not penalize you for it. **Campbell County Assessor and local licensing:** Some business types in Gillette or unincorporated Campbell County require local business licenses or permits. Check with the City of Gillette and Campbell County before opening, as unpermitted businesses can face issues when lenders do verification. **Wyoming does not have a state-chartered CDFI network** the way some larger states do. Most CDFI access comes through national CDFIs operating remotely (like Accion) or through the Wyoming SBDC network. This is why the SBDC is such a critical first stop.
What to Avoid: Predatory Patterns and Common Traps
Not every offer of business financing is a good one. In Campbell County — like everywhere — there are products and practices designed to extract money from small business owners rather than help them grow. Here is what to watch for.
**Merchant Cash Advances (MCAs)**
An MCA is not a loan — it is an advance on your future sales, often repaid by taking a daily percentage of your bank account. MCAs can carry effective annual interest rates of 60% to 300% or more.
They are legal in Wyoming and heavily marketed to small businesses online.
Avoid them if you can. If someone is offering you fast cash with no credit check and daily repayments, it is almost certainly an MCA.
**High-fee online lenders**
Some online lending platforms approve quickly and charge very high origination fees, prepayment penalties, or rates tied to confusing factor rates rather than APR. Always ask: "What is the APR on this loan?" A legitimate lender will tell you clearly.
**Loan brokers who charge upfront fees**
A reputable lender or broker does not charge you to apply. If someone asks for money upfront before you receive any funds, walk away.
**"Guaranteed approval" offers**
No legitimate lender guarantees approval before reviewing your application. This language is a red flag.
**Personal guarantee pressure without explanation**
Many small business loans require a personal guarantee, meaning you are personally responsible if the business cannot repay. This is normal. What is not normal is a lender pressuring you to sign quickly without explaining what the guarantee means. Read every document and ask questions.
**Confusing or missing loan disclosures**
Wyoming's lack of a commercial loan usury cap means you must be your own advocate. Ask every lender for a written term sheet that clearly states: loan amount, interest rate (APR), term length, monthly payment, fees, and prepayment penalty. If they will not provide this in writing before you sign, that is a warning sign.
**What to do if something feels wrong:** Contact the Wyoming Division of Banking (307-777-7797) or the Wyoming Attorney General's Consumer Protection Unit. You can also reach out to the Wyoming SBDC for free guidance — they help borrowers evaluate loan offers at no cost.
Plain-Language Summary
If you run a small business or work as a solo contractor in Campbell County, Wyoming, you have real financing options — even if your credit is not perfect, your income is seasonal, or you use an ITIN instead of a Social Security Number.
**Start here:** Call or visit the Wyoming SBDC's Gillette satellite office. Their advisors are free, they know the local economy, and they will help you get your paperwork together before you talk to any lender. That preparation makes a real difference.
**For small loans under $50,000:** Look at Kiva (zero-interest, no credit score required) and Accion Opportunity Fund (ITIN-friendly, flexible documentation). Both work remotely.
**For mid-size loans ($50,000–$500,000):** Community banks like First National Bank & Trust of Gillette and Jonah Bank are good first conversations. If you need an SBA-backed loan, the Wyoming SBA District Office in Casper can point you to an approved local lender.
**For real estate or major equipment:** Ask the Wyoming SBDC about CDC Wyoming's SBA 504 program. It offers long-term, fixed-rate financing for assets that will anchor your business.
**For women-owned businesses:** Contact the Wyoming Women's Business Center.
**Always compare offers.** Ask for the APR, the full fee list, and the monthly payment in writing before you sign anything. You are not in a rush — a good lender will wait for you to make an informed decision.
Origen Capital is a directory. We connect you to information — not to lenders, and we never collect your personal or financial data. Use this guide as a map, and trust the local institutions listed here to walk you through the rest.
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