You built a business here after building a life somewhere else. Here is how funders read an immigrant-owned file, which ID numbers matter, and which official programs to check first.
Check My OptionsImmigrant-owned business funding
Three months of bank statements, a 5-minute application, and a soft credit pull to start. Funding in as little as 24 hours for qualified businesses.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Updated October 16, 2026
For most private business funding, less than people expect. Revenue-based funders and many online lenders look first at the business itself: its deposits, how long it has operated, what it already owes and what industry it is in. Where the owner's background does come up is in three places: identity verification, personal credit history in the U.S., and government-backed programs that set their own eligibility rules.
A Social Security number is the identifier most U.S. credit files are built on. Owners who are not eligible for one can get an Individual Taxpayer Identification Number (ITIN) from the IRS to file taxes. An ITIN is for tax purposes; it does not confer work authorization or immigration status.
For the business, the key number is the Employer Identification Number (EIN). An EIN lets the business open its own bank account, file its own returns and build its own credit with suppliers. Some funders accept an ITIN for business funding, especially when the business has an EIN, a business bank account and steady deposits. Funder acceptance varies, so ask before applying. Our ITIN funding guide walks through what to have ready.
Strong credit in another country generally does not appear on a U.S. credit report, so many owners start with a thin file even after years of paying every bill on time abroad. Thin is not the same as bad. It means deposits and business history carry more of the weight, and it means the business should start building its own record now: supplier and vendor accounts that report under the EIN, a business card paid in full, and loan payments that are never late. See the best way to build business credit for the order to do it in.
SBA 7(a) and 504 loans are made by participating lenders under rules published in SBA SOP 50 10. The current version is effective October 1, 2026, and recent versions have revised who is eligible based on citizenship and residency. Read the current SOP or ask an SBA lender directly before you plan around an SBA loan, because the answer depends on each owner's status. The SBA microloan program offers loans up to $50,000 through nonprofit community lenders that set some of their own criteria.
| Your situation | What funders usually ask for | Where to start |
|---|---|---|
| Owner has an SSN and U.S. credit | A standard application and credit review | A standard business funding application |
| Owner uses an ITIN; business has an EIN | ITIN, EIN letter, business bank statements | ITIN funding guide, then ask each funder |
| Business is very new | More operating history | SBA microloan program or a certified CDFI |
| Little or no U.S. credit history | Heavier review of deposits and business history | Build business credit under the EIN |
| Planning an SBA loan | Eligibility under the current SOP | Read SBA SOP 50 10 and ask an SBA lender |
We do not run a special program for immigrant-owned businesses. We review them the same way we review every established business: deposits, existing obligations, credit, and how the business operates. Applying starts with a 5-minute application and about three months of business bank statements, with a soft credit pull to start. FICO 500+ is considered, and funding ranges from $25,000 to $5,000,000. No tax returns are required to apply. Every offer shows the full repayment amount before you accept. Sole proprietors can apply the same way an LLC or corporation does. If you use an ITIN instead of an SSN, say so at the start so the file goes to the right review.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Not for many private funding products, which focus on how the business performs. Government-backed programs such as SBA loans have their own eligibility rules, so check the current SBA SOP 50 10 and ask the lender.
Some funders accept an ITIN, especially when the business has an EIN, a business bank account and steady deposits. Funder acceptance varies, so ask before applying.
Generally not on a U.S. credit report. Deposits and business history carry more weight, and building credit under the business EIN helps over time.
No. We review immigrant-owned businesses the same way we review every established business: deposits, existing obligations, credit, and how the business operates.
About three months of business bank statements. No tax returns are required to apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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