Personal Financing Guide for Montgomery County, Ohio
This guide helps solo contractors, small real-estate investors, and working families in Montgomery County, Ohio understand their personal financing options. It covers who qualifies, what documents to gather, and which local lenders and nonprofits actually serve this area — including ITIN-friendly institutions. Federal programs like SBA loans are useful context, but the real help is found at the local level: community development financial institutions (CDFIs), credit unions, and neighborhood lending partners right here in the Dayton region.
It's a tool, not a trap.
Four doors worth knowing.
Every institution below 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.
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Don't fall into these traps.
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.