Merchant Fund Express provides revenue-based business funding from $5,000 to $500,000 for ITIN holders. No Social Security Number required. Approval in 24 hours. Funding in as little as 48 hours.
Apply Now — Takes 10 MinutesAn Individual Taxpayer Identification Number, commonly known as an ITIN, is a nine-digit tax processing number issued by the Internal Revenue Service. The IRS created the ITIN system in 1996 to ensure that every person earning income in the United States could fulfill their federal tax obligations, regardless of their immigration status.
ITINs are issued to individuals who are not eligible for a Social Security Number but still need to file taxes. This includes non-resident and resident aliens, their spouses and dependents, and anyone else required to file a federal tax return. The number follows a specific format, always beginning with the digit 9, and serves exclusively as a tax identification tool.
Despite contributing billions of dollars in taxes every year, ITIN holders have historically been locked out of the traditional business financing system. Banks and conventional lenders typically require a Social Security Number as a baseline qualification. This creates a massive funding gap that leaves millions of hardworking business owners without access to the capital they need to grow, hire, and invest in their operations.
That gap is exactly what Merchant Fund Express exists to fill. We built our underwriting process around the principle that your business performance matters more than the type of tax identification number you hold. When you apply for ITIN business funding through our program, we evaluate your revenue, your consistency, and your operational track record. We look at the strength of your business, not the format of your taxpayer ID.
Our approach to business funding is fundamentally different from what you will encounter at a traditional bank. Instead of making lending decisions based on Social Security Numbers, personal credit scores, or immigration documentation, we use a revenue-based financing model that evaluates the actual health and performance of your business.
Revenue-based financing means that your approval is determined primarily by how much money your business brings in each month. If your company generates consistent revenue, we can structure a funding arrangement that fits your cash flow cycle. Repayment is tied to your business income, which means your payments flex with your revenue. During strong months, you pay a bit more. During slower periods, your payments adjust downward automatically.
This model eliminates the barriers that keep ITIN holders from accessing traditional financing. There is no SSN requirement. There is no need for a perfect personal credit score. There is no collateral requirement that forces you to risk your home or personal property. And there is no weeks-long waiting period while paperwork shuffles between departments.
When you apply through Merchant Fund Express, you work directly with a funding specialist who understands the unique circumstances of ITIN-based business owners. Our team includes bilingual advisors who can walk you through every step of the process in both English and Spanish. We designed this program because we believe that every business owner who contributes to the American economy deserves fair access to working capital.
Meeting these four criteria puts you on the path to approval.
A current Individual Taxpayer Identification Number issued by the IRS
Your business must have been operating for at least six months
Minimum ten thousand dollars in gross monthly business revenue
An active U.S. business bank account where revenue is deposited
Traditional banks were not designed to serve ITIN-based business owners. Their underwriting models, documentation requirements, and approval timelines create barriers that exclude millions of legitimate entrepreneurs. Here is how our revenue-based approach compares.
Your ITIN is all you need. We never ask for a Social Security Number because your business performance tells us everything we need to know.
Banks take weeks or months. We deliver a funding decision within one business day so you can move forward without delay.
Payments adjust based on your revenue cycle. Slow month? Lower payment. Strong month? You pay down faster. Your cash flow stays protected.
Keep your home, your vehicle, and your personal assets out of the equation. We fund based on revenue, not collateral.
Your credit score stays untouched during the application process. We evaluate your business bank statements, not your personal credit history.
| Feature | Merchant Fund Express | Traditional Banks |
|---|---|---|
| ITIN Accepted | Yes | Rarely |
| SSN Required | No | Yes |
| Approval Speed | 24 Hours | 2-8 Weeks |
| Funding Speed | 24-48 Hours | 30-90 Days |
| Collateral | Not Required | Usually Required |
| Credit Pull | Soft Pull Only | Hard Pull |
| Paperwork | Minimal | Extensive |
| Flexible Payments | Yes | Fixed Only |
| Bilingual Support | Yes | Varies |
One of the most significant advantages of revenue-based business funding is that there are no restrictions on how you deploy the capital. Unlike certain grant programs or specialized loans that require funds to be used for specific purposes, the working capital you receive from Merchant Fund Express is yours to allocate wherever your business needs it most.
Business owners who fund through our ITIN program commonly use their capital for:
The flexibility of our funding allows you to respond to opportunities and challenges as they arise. Whether you need to stock up before a busy season, bridge a gap between invoice payments, or invest in growth that will multiply your revenue, the capital is structured to support your goals on your timeline.
ITIN business funding is available across dozens of industries. These are among the most common sectors we serve.
Do not see your industry listed? Call (305) 384-8391 and we will let you know if you qualify.
The entire process is built for speed and simplicity.
Fill out our short online form in about 10 minutes. Provide basic business information, your ITIN, and three months of business bank statements. No extensive paperwork, no SSN, no credit check at this stage.
A dedicated funding specialist reviews your application and bank statements. Most applicants receive a pre-approval decision within 24 hours. Your specialist will call you to discuss your funding options and terms.
Once you accept the terms, funds are deposited directly into your business bank account. Most funded applicants see the capital arrive within 24 to 48 hours. Start using it immediately for whatever your business needs.
The contribution of ITIN holders to the American economy is staggering and often underrecognized. According to IRS data, approximately 4.4 million tax returns are filed using ITIN numbers each year. These filers collectively contribute an estimated $23.6 billion in federal taxes annually, funding Social Security, Medicare, and other programs that support the broader economy.
Hispanic-owned businesses represent one of the fastest-growing segments of the American economy, with a growth rate of 44 percent over the past decade according to the Stanford Latino Entrepreneurship Initiative. Many of these business owners operate with ITINs. They run restaurants, manage construction crews, drive trucks across state lines, operate retail stores, and provide essential services in every community across the nation.
Yet the financial system has not kept pace with this economic reality. Most traditional banks still require an SSN for even the most basic business line of credit. This forces ITIN-holding entrepreneurs to fund their businesses entirely out of pocket, borrow from family, or turn to informal lending arrangements that carry significant risk and unfavorable terms.
Merchant Fund Express recognized this gap and built a funding program specifically designed to serve this underbanked community. Our revenue-based financing model judges your business on its merits, not on the type of taxpayer identification number you carry. When ITIN holders have access to proper business funding, they hire more employees, serve more customers, pay more taxes, and strengthen the local economies where they operate. It is not just good business for us. It is good for the entire economy.
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