ITIN holder
- Has an Individual Taxpayer Identification Number issued by the IRS.
- Usually files US tax returns and may live in the US.
- Not eligible for a Social Security number.
- US tax returns and credit history, if any, may be reviewed.
ITIN & foreign-national funding
Funding options built for how you actually do business in the US
An ITIN or a foreign passport does not have to end the conversation. Some funders work with ITIN holders and foreign-national owners. Eligibility depends on the product, the funder and your business.
Who may qualify
Who funders commonly work with
These are general patterns, not approval criteria. Each funder sets its own requirements and makes its own decision.
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Operating US businesses
A registered US entity with an EIN, a business bank account and consistent deposits.
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Owners with an ITIN
Owners who file US taxes with an ITIN rather than a Social Security number.
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Foreign-national owners
Owners living abroad or in the US on a visa who hold a valid passport.
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Real estate investors
Buyers with a down payment and a property that supports the financing.
Know the difference
ITIN holder and foreign national are not the same thing
Funders often treat these profiles differently, so it helps to know which describes you. Some people are both.
Foreign national
- A citizen of another country, living abroad or in the US on a visa.
- May or may not have an ITIN or US credit history.
- Often owns a US LLC or corporation with an EIN.
- Funders may review a passport, visa status and foreign income or assets.
Typical requirements
What funders typically look for, by product
| Product | What it is based on | Typically requested | Owner identification |
|---|---|---|---|
| Merchant Cash Advance | Future receivables and sales history (not a loan) | Recent business bank statements, often 3–6 months; card processing statements if applicable | ITIN or passport; SSN not always required |
| International Mortgage | 1–4 unit property, down payment and income or property cash flow | Down payment funds, income or rental documentation, reserves, appraisal | ITIN or passport and visa, depending on the program |
| Hard Money Lending | Property value and the project plan | Purchase contract, scope of work and budget, proof of funds | ITIN or passport; entity documents |
| Refinance & Construction | Current or as-completed value and property cash flow | Payoff statement, plans and budget, leases or rent estimates | ITIN or passport; entity documents |
| Invoice Factoring | Creditworthiness of your B2B customers | Open invoices, accounts receivable aging, customer contracts | ITIN or passport; entity documents |
Get ready
Documents to gather
Typical; requirements vary by funder and product. Having these ready can help the review move faster.
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ITIN letter or passport
For each owner. Some programs may also ask for visa documentation.
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EIN confirmation
The IRS letter (CP 575 or 147C) for your business.
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Formation documents
Articles of organization or incorporation and, if available, an operating agreement.
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US business bank account
An active account in the business’s name.
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Business bank statements
Typically the most recent 3–12 months.
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Property documents (real estate only)
Purchase contract, payoff statement, or plans and budget.
Questions
ITIN and foreign-national funding FAQ
Do I need a Social Security number to get business funding?
Not always. Some funders work with ITIN holders or with foreign nationals who hold a valid passport. Others require an SSN. Which options are open to you depends on the product and the funder.
Can a foreign national with a US LLC get a merchant cash advance?
Some funders consider it, typically when the business has a US bank account, an EIN and steady US deposits. A merchant cash advance is a purchase of future receivables, not a loan.
Can I buy a home in the US with an ITIN?
Our licensed mortgage partner offers programs for 1–4 unit properties, owner-occupied or investment, that may accept ITIN holders and foreign nationals. Down payment, reserves and documentation requirements apply and vary by program.
Do I need US credit history?
Funders weigh credit history differently. Some may consider alternative information such as bank statements, property value or foreign credit references. Requirements vary.
Is applying with an ITIN more expensive?
Pricing depends on the product, the funder, the risk profile and the terms of each offer. Review any offer’s total cost carefully and ask your specialist to explain it.
Will you share my ITIN or passport with funders?
Only as needed to evaluate your request with the funders you choose to move forward with. See our privacy policy for details.
See which options may fit your profile
Run a free estimate, then talk with a specialist in your language.