Personal financing in Fulton County.

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

1 institutions are headquartered inside the Fulton County line. They are below, by name and by town.

Not this lane? Business FinancingHome Financing

In this county1DOORS INSIDE THE COUNTY LINE

THE DIRECTORY

The doors in Fulton 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 DOORSNew York

Fulton County

1: DOORS HERE
1: BASED HERE
57: NY COUNTIES WITH DOORS

At a glance

Lane: Personal Financing
County: Fulton County · 53K residents
State: New York →
Institutions: 121 inside the county line · 1 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 Fulton County1

Upstate Telco Credit UnionGloversville · Credit union
Personal

Serving all of New York8

Adirondack Economic Development CorporationSBA microlenderSaranac Lake · CDFI loan fund
Community lending · Business capital
Ascendus Inc.SBA microlenderNew York · CDFI loan fund
Community lending · Business capital
BOC Capital Corp.SBA microlenderBrooklyn · CDFI loan fund
Community lending · Business capital
Business Consortium Fund, Inc.New York · CDFI loan fund
Community lending · Business capital
Community Capital New York, IncSBA microlenderElmsford · CDFI loan fund
Community lending · Business capital
IN THIS LIST
8 of the 12 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Harlem Entrepreneurial Fund, LLCSBA microlenderNew York · CDFI loan fund
Community lending · Business capital
PathStone Enterprise Center, Inc.SBA microlenderRochester · CDFI loan fund
Community lending · Business capital
Renaissance Economic Development CorporationSBA microlenderNew York · CDFI loan fund
Community lending · 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 FULTON COUNTY

THE GUIDE

This guide helps solo contractors, small investors, and working families in Fulton County, New York understand their personal financing options — from local credit unions and CDFIs to ITIN-friendly lenders. It highlights the intermediaries that actually serve this region, explains what documents you typically need, and flags common traps to avoid. Origen Capital is a directory, not a lender — we help you find the right door to knock on.

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 FULTON COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN FULTON COUNTY →57NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.145 institutions fund personal financing inside New York county lines.OPEN THE STATE →

The New York counties with the most doors of this kind

New York County26 doors Erie County17 doors Queens County14 doors Kings County13 doors Westchester County11 doors Monroe County10 doors Onondaga County10 doors Bronx County8 doors

Across the network

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