Home financing in Benton County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Benton County line, but 2 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Benton 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 Benton County line. You can walk in.
- Credit Union 1Personal · Home · Business capital
- St. Cloud Financial Credit UnionPersonal · Home · Business capital
- African Development CenterSBA microlenderCommunity lending · Business capital
- African Economic Development SolutionsSBA microlenderCommunity lending · Business capital
- First Children's FinanceSBA microlenderCommunity lending · Business capital
- Neighborhood Development CenterSBA microlenderCommunity lending · Business capital
- Northwest Minnesota FoundationSBA microlenderCommunity lending · Business capital
- IN THIS LIST
6 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- WomenventureSBA microlenderCommunity lending · Business capital
- Northeast Entrepreneur Fund, Inc.dba Entrepreneur FundBusiness capital
- Southern Minnesota Initiative FoundationBusiness capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - 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
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.
Benton County, Minnesota sits in the heart of central Minnesota, and its mix of rural land, small towns like Foley and St. Cloud's eastern suburbs, and agricultural heritage shapes the financing options available here. This guide walks you through what home financing means locally, who qualifies, what paperwork to gather, which local lenders and community organizations actually serve this county, and what pitfalls to watch out for. Whether you own a small contracting business, invest in rental property, or are buying your first home with an ITIN instead of a Social Security number, there is a realistic path forward — and local intermediaries who can help you find it.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN BENTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN BENTON COUNTY →49MN COUNTIES WITH DOORSThe whole stateEvery county in Minnesota, in this same lane.35 institutions fund home financing inside Minnesota county lines.OPEN THE STATE →
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