Funding with an ITIN

Business funding without an SSN: how ITIN owners apply.

Not having a Social Security number does not close the door. Here is how funding works for business owners who file with an ITIN.

See What I Qualify For Call (305) 384-8391

✓ Checking what you qualify for does not affect your credit score.

The short answer

We accept applicants who use an ITIN. The review is built around your business: about three months of business bank statements, time in business and existing obligations. Funding runs from $25,000 to $5,000,000.

Amounts$25,000 to $5,000,000

SpeedDecisions move fast; funding in as little as 24 hours for qualified businesses

PaperworkAbout three months of business bank statements, no tax returns

CreditFICO 500+ considered; deposits and time in business carry the weight

What changes for ITIN applicants

You identify yourself with an ITIN instead of an SSN

The business still needs regular deposits into a business account

Your business EIN, name and address should match your statements

We have staff who can help in Spanish; see ITIN business funding

What stays the same

Statements, deposits and time in business carry the file. FICO 500+ is considered where a score is available, and the application starts with a soft pull that does not hurt your score.

Preparing a clean file

A business bank account in the business name

Three months of statements with every page

Your ITIN and EIN available

A list of any existing advances or loans

How to apply

About three months of business bank statements

Your business name, address and time in business

Basic owner information

A list of any existing advances or loans, with the payment amounts

The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.

Common questions

Can I get business funding with an ITIN?

Yes. We accept ITIN applicants.

Do I need a Social Security number?

No. An ITIN works for identifying the owner.

Do you offer help in Spanish?

Yes. We offer support in Spanish.

Do I need tax returns?

No. We read business bank statements.

How fast can it be?

Funding can arrive in as little as 24 hours for qualified businesses.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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