Personal financing in Lincoln County.

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

2 institutions are headquartered inside the Lincoln County line. They are below, by name and by town.

Not this lane? Business FinancingHome Financing

In this county2DOORS INSIDE THE COUNTY LINE

1FUND THIS LANE HERE

THE DIRECTORY

The doors in Lincoln 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 DOORSArkansas

Lincoln County

2: DOORS HERE
2: BASED HERE
48: AR COUNTIES WITH DOORS

At a glance

Lane: Personal Financing
County: Lincoln County · 13K residents
State: Arkansas →
Institutions: 132 inside the county line · 2 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.

Headquartered in Lincoln County2

Connect BankStar City · CDFI bank
Personal · Business capital
Star City Bancshares, Inc.Star City · CDFI
Community lending

Serving all of Arkansas8

Commercial Bank & Trust CompanyMonticello · CDFI bank
Personal · Business capital
Union Bank & Trust CompanyMonticello · CDFI bank
Personal · Business capital
Communities Unlimited, Inc.SBA microlenderFayetteville · CDFI loan fund
Community lending · Business capital
Drew Bancshares, Inc.Monticello · CDFI
Community lending
First Union Financial CorporationMonticello · CDFI
Community lending
IN THIS LIST
8 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.
LiftFund, Inc.SBA microlenderSan Antonio · CDFI loan fund
Community lending · Business capital
Forge-Financing Ozarks Rural Growth and EconomyHuntsville · SBA microloan intermediary
Business capital
People Trust Community Loan FundLittle Rock · SBA microloan intermediary
Business capital

National — works with an ITIN3

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
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

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 porch at dusk, string lights on, two chairs pulled up — OPEN DOORS IN LINCOLN COUNTY

THE GUIDE

This guide helps residents of Lincoln County, Arkansas — including solo contractors, small investors, and Spanish-speaking community members — understand their personal financing options. It highlights local credit unions, CDFIs, and ITIN-friendly lenders that actually serve this region. Federal programs like FHA and SBA loans are useful context, but the real starting point is the local intermediary layer closest to you. Take your time, compare your options, and never let anyone rush you into signing anything.

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN LINCOLN COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN LINCOLN COUNTY →48AR COUNTIES WITH DOORSThe whole stateEvery county in Arkansas, in this same lane.71 institutions fund personal financing inside Arkansas county lines.OPEN THE STATE →

The Arkansas counties with the most doors of this kind

Pulaski County19 doors Washington County5 doors Jefferson County5 doors Pope County5 doors Sebastian County4 doors Saline County4 doors Garland County4 doors White County4 doors

Across the network

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