
This guide helps solo contractors, small investors, and working residents of Multnomah County, Oregon understand their personal financing options — from personal loans and lines of credit to ITIN-based lending. It focuses on local credit unions, CDFIs, and community lenders that actually serve Portland and the surrounding area. Federal programs are mentioned for context, but the real starting point is your neighborhood institution. Take your time, compare your options, and never feel rushed into signing anything.
Ask Iris. She'll explain it the way it should have been explained the first time.