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Personal financing in Lincoln County.

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

No institution is based inside the Lincoln County line. We do not hide that — below are the doors that serve it from the rest of Colorado.

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In this county6DOORS SERVING IT FROM CO
3NATIONAL DOORS
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.

Serving all of Colorado6
  • AltCapSBA microlenderKansas City · CDFI loan fund
    Community lending · Business capital
  • Colorado Enterprise Fund, Inc.SBA microlenderDenver · CDFI loan fund
    Community lending · Business capital
  • Community Enterprise Development ServicesSBA microlenderAurora · CDFI loan fund
    Community lending · Business capital
  • HomesFundDurango · CDFI loan fund
    Community lending · Business capital
  • Region 10 LEAP for Economic DevelopmentMontrose · SBA microloan intermediary
    Business capital
  • IN THIS LIST

    4 of the 9 are CDFI-certified.

    The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.

  • Region 9 Economic Development District of SW ColoradoDurango · 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, Colorado — including solo contractors, small business owners, and Spanish-speaking community members — understand personal financing options available close to home. It spotlights local credit unions, CDFIs, and ITIN-friendly lenders that actually serve the region, rather than large national banks that may not. It explains what documents you typically need, what state rules apply in Colorado, and how to spot and avoid predatory lending traps. Take your time, compare your options, and use this as a starting point — not a final answer.

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid outBusiness FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN LINCOLN COUNTY →A modest house in warm evening lightHome FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN LINCOLN COUNTY →37CO COUNTIES WITH DOORSThe whole stateEvery county in Colorado, in this same lane.43 institutions fund personal financing inside Colorado county lines.OPEN THE STATE →
The Colorado counties with the most doors of this kind
Arapahoe County11 doorsPueblo County11 doorsDenver County10 doorsLarimer County9 doorsEl Paso County8 doorsAdams County8 doorsJefferson County7 doorsWeld County7 doors
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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions