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Aerial view of farmland and a small town at sunset
The Directory

Every state. Every county.

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

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.

  • Nobody paid to be listed
  • 3,488 institutions, none of them ours
  • No forms. No ID. No name.
3,488
INSTITUTIONS
2,490 CREDIT UNIONS907 CDFI · 91 SBA + NATIONAL
3,143
COUNTIES
1,945 WITH A LOCAL DOOR1,198 SERVED FROM OUTSIDE
51
STATES + DC
THREE LANES IN EACHBUSINESS · HOME · PERSONAL
ENES
LANGUAGES
WRITTEN IN SPANISH,NOT TRANSLATED.
Begin at your state

All 51, one click each.

Every state opens its own county list. The drawing on each card is the state itself — one warm dot for every county with an institution based in it.

Where we started · 8 statesSpanish first
The map of doorsOne dot = a county with a local door
County map of the United States. Each warm dot marks a county with institutions in the directory.
1,945
COUNTIES WITH A LOCAL DOOR
1,198
SERVED FROM OUTSIDE

Both numbers are real and neither one is hidden. Where a dot is missing, the county page says so and sends you to the state door that does lend there.

A–I11 statesCOUNTIES · LOCAL DOOR
A small-town main street at first light, a pickup parked at the kerb
How every page readsOne county at a time.Who lends here, who lends on an ITIN, and which door to knock on first.
K–M11 statesCOUNTIES · LOCAL DOOR
A directory row54 DOORS

Harris County, Texas

  • Houston Business Development, Inc.HOUSTON · CDFI LOAN FUND
  • Alliance for Multicultural Community ServicesHOUSTON · SBA MICROLENDER
  • PrimewayHOUSTON · CREDIT UNION
See all 54
Someone askedIRIS

“Can I get a loan if I’ve been turned down before?”

Yes. One bank saying no speaks for that bank, not for you. CDFIs and many credit unions look at the work and the history, not only the score — and several lend on an ITIN. Start at your county and see who keeps the door open.

Ask your own
N–R11 statesCOUNTIES · LOCAL DOOR
S–W10 statesCOUNTIES · LOCAL DOOR

“Local” counts the counties with an institution based in that county. Every other county still has its own page, showing the state and national doors that serve it.

Or start from a lane

Already know what you need.

Pick the lane first and we walk you through the same 51 states — already filtered.

A worn carpenter's bench at first light, hand tools and gloves laid outLane 01Business FinancingCapital · Equipment · Credit
A modest house in warm evening lightLane 02Home FinancingPurchase · Renovate · Equity
A porch at dusk, string lights on, two chairs pulled upLane 03Personal FinancingCredit · Debt · Bridge
IRIS AI

Ask a question. Get a clear answer.

Answered in English and SpanishNo account. No name.3,143 counties · 3,488 institutions