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Individual Taxpayer Identification Number
(ITIN) Loan

No social security number? Through our ITIN Loan, you can get a small business loan without one by using your Individual Taxpayer Identification Number (ITIN).


Funding For Your Small Business

Undocumented people in America have historically been denied equitable access to resources such as housing, employment, and education because they don't have established credit... but as it's said, it takes credit to build credit.

Small business ownership can help to build credit and bridge that gap. With our ITIN Loans, our goal is to provide greater access to the financial resources needed to start or build small businesses - helping to build credit and create a positive ripple effect in other areas of life.

ITIN Small Business Loan

Loans: $1,000 up to $25,000 for              existing and startup businesses
Terms: 60-months with up to
      6-month interest-only period
Discounted Rates: 2.99% max
Flexible Underwriting
Free Access to Business Advising
Get Started

Struggling to get funding through traditional sources?
Tired of high-interest credit cards?

Contact us today to get started with a Loan Officer who will work with you to understand your needs and build a loan that works for your small business.

Get Started!

Business Advising to Help You Succeed

With access to our Business Advisory team along your entire business journey, plus 24/7 access to our online library of business resources, this is more than just a loan. Get help with topics like:

  • Business Planning
  • Sales and Marketing
  • Finance and Accounting
  • Cashflow and Profitability
  • Creating a post-COVID creative reopening and marketing strategy 
  • And more!

Funding can take you so far... our business advising can help take you further. Our team is here to help ensure business survival and, ultimately, your success!

Meet One-on-One With a Business Advisor

Reduce small business risk and support long-term success through personalized, one-on-one business advising and training.

Connect With a Business Advisor
Access Our Online Business Resources 24/7

Free, downloadable workbooks, guides, and more for you and your small business via Initiate Prosperity. Sign up now to access the platform free for 30 days.

Access Our Online Resources

"I have three little girls. Thanks to CEF, the pressures of money for a small business owner like me are eased up and I get to be there for my little girls and my wife, too.”

Ryan Cobbins | Owner | Coffee at The Point | Read Their Story

Thanks to the following for the collaboration that made the ITIN Loan possible: