ORIGENCAPITAL

Personal financing in Portage County.

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

2 institutions are headquartered inside the Portage County line, and 2 more keep a branch here. Below, we say which is which.

Not this lane? Business FinancingHome Financing

In this county4DOORS INSIDE THE COUNTY LINE
2HEADQUARTERED HERE
1OF THOSE, CDFI-CERTIFIED
THE DIRECTORY

The doors in Portage 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.

Headquartered in Portage County2
  • Community Assets for PeopleStevens Point · CDFI loan fund
    Community lending · Business capital
  • CAP Services, IncStevens Point · SBA microloan intermediary
    Business capital
Keeps a branch in Portage County2

Based elsewhere, with a member-facing office inside the Portage County line. You can walk in.

  • Connexus Credit UnionWausau · Credit union
    Personal · Home · Business capital
  • Covantage Credit UnionCDFI-certifiedAntigo · Credit union
    Personal · Home · 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
IN THIS LIST

2 of the 7 are CDFI-certified.

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

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 PORTAGE COUNTY
THE GUIDE

This guide helps residents of Portage County, Wisconsin — including solo contractors, small real-estate investors, and Spanish-speaking community members — understand personal financing options available close to home. It highlights local credit unions, CDFIs, and SBA-connected lenders that actually serve this region. It also covers what documents you typically need, state-specific rules to know, and warning signs of predatory lending to avoid.

WHO SAYS YES HERE
2CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

Covantage Credit Union · Community Assets for People
2Credit unions

Owned 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.

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