You built your life in America. You built your business here. Now get the capital you deserve. Merchant Fund Express provides business funding from $5,000 to $500,000 for DACA recipients nationwide -- no bank required.
Get Funded Today (305) 384-8391As a DACA recipient, you have every right to start and grow a business in the United States. The Deferred Action for Childhood Arrivals program gives you work authorization, an Employment Authorization Document (EAD), and in most cases a Social Security Number. You pay taxes. You employ people. You contribute to your community. But when you walk into a bank and apply for a business loan, the answer is almost always the same: denied.
Merchant Fund Express exists to change that. We work with lending partners who evaluate your business performance, not your immigration status. If your business generates revenue and has been operating for at least 3 months, you likely qualify for funding -- regardless of your DACA status.
Understanding the barriers is the first step to overcoming them. Here are the most common challenges Dreamers face when seeking business capital:
Most traditional banks and SBA lenders require applicants to be U.S. citizens or lawful permanent residents. DACA recipients fall outside these categories, leading to automatic denials regardless of business strength or creditworthiness.
Because DACA must be renewed every two years, banks view the temporary nature of work authorization as a lending risk. They worry about repayment if DACA status is not renewed, even though renewal approval rates have historically been over 90%.
Many DACA recipients arrived in the U.S. as children and may have shorter credit histories compared to their peers. Without an extensive credit file, traditional lenders have little data to assess risk, even if the applicant has never missed a payment.
SBA-backed loans, which offer some of the best rates and terms for small businesses, explicitly require U.S. citizenship or permanent resident status. This eliminates one of the most accessible funding paths for DACA entrepreneurs.
We partnered with alternative lenders and revenue-based funding providers who look at what matters most: how your business performs. Our approach removes the barriers that traditional banks create for Dreamers.
Our requirements are straightforward and focused on your business, not your immigration history:
Getting funded with Merchant Fund Express is fast and simple. Here is exactly how it works:
Complete our simple online application in under 5 minutes. Provide basic business information, your EAD details, and upload 3 months of bank statements. No lengthy paperwork or complicated forms.
Our team reviews your application and matches you with the best funding options from our network of DACA-friendly lenders. You will receive one or more offers within 24 hours, including terms, rates, and repayment schedules.
Review your offers with your dedicated funding advisor who can explain every detail in English or Spanish. There is no pressure and no obligation. Pick the option that works best for your business.
Once you accept an offer and sign the agreement, funds are deposited directly into your business bank account. Most deposits arrive within 24-48 hours. Use the capital however your business needs it.
Thousands of DACA recipients are building thriving businesses across America. Here are examples of Dreamers we have helped:
Building a business as a DACA recipient takes resilience. These resources can help you along the way:
USCIS Official DACA Information Page SBA Business Launch Guide (applicable to all entrepreneurs) SCORE Free Business Mentoring (available regardless of status) ITIN Business Funding -- Apply with Your ITIN Instead of SSN Business Loans for Immigrants -- All Immigration Statuses WelcomeWe use bank-level encryption. Your personal and immigration information is never shared with third parties or government agencies.
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