Micro Enterprise Services of Oregon

MESO is a nonprofit lender built for under-resourced and credit-challenged founders, so being turned down elsewhere puts you squarely in their target borrower. Selection details are not publicly disclosed, though the mission suggests the staff works with applicants rather than filtering them out.

If credit history is the barrier that has stopped you elsewhere, MESO is structured for that situation specifically, and their multilingual staff means language is less likely to be an obstacle than it would be at a conventional lender.