You built your business from nothing in a new country. You deserve funding that recognizes your hustle, not your passport. Merchant Fund Express provides $5K to $5M in business capital for immigrant entrepreneurs across all 50 states.
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Immigrants own over 3.2 million businesses in the United States, generating more than $1.3 trillion in annual revenue. From food trucks in Houston to tech startups in San Jose, immigrant entrepreneurs are the backbone of the American economy. Yet when it comes time to grow, most banks slam the door shut.
Merchant Fund Express exists to open that door. We provide business loans for immigrants based on what actually matters: your revenue, your business performance, and your potential. Not your country of origin. Not your visa stamp. Not how long you have been on American soil.
Whether you hold a Green Card, work visa, ITIN, or DACA authorization, our funding programs are built specifically for entrepreneurs who have been told "no" by traditional lenders. We have funded thousands of immigrant-owned businesses across every state, every industry, and every immigration status category.
If you have been denied a business loan, you are not alone. According to the Federal Reserve, immigrant entrepreneurs are rejected at nearly twice the rate of native-born applicants. Here is why banks keep saying no:
These barriers have nothing to do with your ability to run a successful business. They are systemic problems with how traditional banks evaluate risk. Merchant Fund Express uses a different model entirely.
Our approach is straightforward: we look at your business bank statements. If money is flowing in consistently, you qualify. Period. Here is how the process works:
Complete our streamlined online application. We ask about your business type, monthly revenue, and time in business. No lengthy paperwork. No credit bureau hard pulls during pre-qualification.
Upload 3 to 6 months of business bank statements. This is the core of our underwriting process. We analyze your deposits, average daily balance, and revenue consistency to determine your funding amount.
Our underwriting team reviews your application and delivers a funding offer, typically within hours. You will see the exact amount, payment terms, and total cost before you commit to anything.
Accept your offer, sign your agreement electronically, and receive funds deposited directly into your business bank account. Most applicants are funded within one business day.
Merchant Fund Express works with business owners across the full spectrum of immigration statuses. Each situation is different, and our funding specialists understand the unique circumstances of every visa category.
No credit impact. Takes 2 minutes.
Speak to a funding specialist:
(305) 384-8391Permanent residents qualify for our full range of funding products. Your Green Card demonstrates long-term commitment to building a business in the U.S., and we offer competitive terms to match.
H1B specialty workers who own businesses on the side or are transitioning to full entrepreneurship qualify for revenue-based funding. Your employer sponsorship status does not affect eligibility.
Intracompany transferees operating U.S. business entities qualify for business funding. L1A managers and L1B specialized knowledge workers both have full access to our programs.
E2 visa holders are entrepreneurs by definition. You invested substantial capital to start a U.S. business, and we provide the working capital to help that investment grow and thrive.
Canadian and Mexican professionals under USMCA (formerly NAFTA) who operate businesses qualify for funding. TN visa holders with side businesses receive the same consideration as any applicant.
DACA recipients with Employment Authorization and entrepreneurs using ITINs instead of SSNs are welcome. We evaluate your business revenue, not your documentation type.
We have eliminated the paperwork mountain that traditional banks require. Here is everything you need to get started with your immigrant business loan application:
That is it. No personal tax returns. No U.S. credit history minimum. No collateral. No personal guarantee on most products. If your business generates revenue, we have a funding solution for you.
Different businesses need different types of capital. Merchant Fund Express offers multiple funding structures designed to fit how your business actually operates:
Receive a lump sum of capital and repay through a small, fixed percentage of your daily or weekly revenue. When your sales are strong, you pay more. When sales slow down, your payments decrease automatically. This is the most popular product among immigrant-owned restaurants, retail stores, and service businesses because it adjusts to real-world cash flow.
Get an advance on your future credit card and debit card sales. Repayment happens automatically through a percentage of your daily card transactions. There are no fixed monthly payments to worry about, and the funding amount is based entirely on your processing volume. Ideal for businesses that do heavy card-based sales.
Access a revolving credit line that you can draw from as needed. Pay interest only on the amount you use, and replenish your available balance as you repay. This is the best option for businesses that need ongoing access to working capital for inventory purchases, seasonal fluctuations, or unexpected opportunities.
Receive a fixed amount with predictable daily or weekly payments over a set term, typically 3 to 18 months. This structured approach works well for businesses with stable, predictable revenue that prefer knowing exactly what they owe each period.
Immigrant entrepreneurs dominate some of the most vital sectors of the American economy. Merchant Fund Express has deep experience funding businesses in every one of these industries:
"I came from Colombia 6 years ago and built a construction company from scratch. Every bank turned me down because of my credit history. Merchant Fund Express approved me in one day based on my bank statements. I bought two new trucks and doubled my crew."
"As an ITIN holder running two taco trucks in Los Angeles, I thought business funding was impossible. MFE looked at my daily sales and approved me within hours. I opened my first brick-and-mortar restaurant with the funds."
"My H1B visa made traditional banks nervous, even though my IT consulting firm had $2M in annual revenue. Merchant Fund Express focused on my business performance and provided the capital to hire five more engineers."
The data tells a clear story. Immigrants start businesses at nearly twice the rate of native-born Americans. According to the National Bureau of Economic Research, immigrants represent 27.5% of all new entrepreneurs in the United States despite making up only 13.7% of the total population. These businesses employ 8 million American workers and operate in every sector of the economy.
In states like California, Texas, Florida, New York, and New Jersey, immigrant-owned businesses generate hundreds of billions in annual revenue and tax contributions. The restaurant industry alone sees over 40% immigrant ownership nationally. In construction, trucking, landscaping, and cleaning services, immigrant entrepreneurs are the dominant force driving growth.
Yet the financial system has not caught up. Most immigrant business owners are forced to rely on personal savings, family loans, or high-interest credit cards to fund their growth. This capital gap costs the American economy billions in unrealized business expansion every year.
Merchant Fund Express is closing that gap. We have built our entire underwriting process around what matters: is your business generating revenue? If the answer is yes, your immigration status is irrelevant to your funding eligibility. Your bank statements are your resume, and your deposits are your credit score.
Whether you arrived in the United States last year or twenty years ago, whether you hold a Green Card or an ITIN, whether you speak fluent English or are still learning, your business deserves the capital it needs to grow. That is not a marketing slogan. It is the founding principle of how we operate.
Get approved in 24-48 hours with funding up to $500K+ for your business
See exactly what lenders see. Know your approval odds before you apply.
30-minute call with a funding expert to maximize your approval amount.
Custom spreadsheet to plan your funding use and maximize ROI.
Total Value: $593
Today: FREE
When you apply in the next 48 hours