Personal financing in Lincoln County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Lincoln County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
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.
- Bank of BrookhavenPersonal · Business capital
Based elsewhere, with a member-facing office inside the Lincoln County line. You can walk in.
- Ferguson Credit UnionCDFI-certifiedPersonal · Home · Business capital
- BankFirst Financial ServicesPersonal · Business capital
- First BankPersonal · Business capital
- The Jefferson BankPersonal · Business capital
- BankFirst Capital CorporationCommunity lending
- Communities Unlimited, Inc.SBA microlenderCommunity lending · Business capital
- IN THIS LIST
10 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.
- First Southwest Corporation McComb, MSCommunity lending
- Great Southern Capital CorporationCommunity lending
- Haven Capital CorporationCommunity lending
- 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.
This guide helps solo contractors, small business owners, and everyday residents of Lincoln County, Mississippi understand their personal financing options. It focuses on the local lenders, credit unions, and community organizations that actually serve this area — not just national programs. Whether you have a Social Security number, an ITIN, or are just starting to build credit, there are real options available to you in and around Brookhaven. Read carefully, take your time, and never sign anything you don't fully understand.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Bank of Brookhaven · Ferguson 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.
Ferguson Credit UnionSame county, another question.
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 →61MS COUNTIES WITH DOORSThe whole stateEvery county in Mississippi, in this same lane.104 institutions fund personal financing inside Mississippi county lines.OPEN THE STATE →
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Ask Iris. She'll explain it the way it should have been explained the first time.