Revenue-based business funding for ITIN holders. Your business performance is what matters, not your immigration paperwork. Get $5K to $500K deposited in as fast as one business day.
Maximum Funding
Fast Approval
ITIN Accepted
We look at your business revenue, not your Social Security Number. ITIN holders get the same funding access.
A merchant cash advance (MCA) is a form of business financing where a funding company purchases a portion of your future revenue in exchange for an upfront lump sum of capital. Unlike traditional bank loans, an MCA is not a loan — it is a commercial transaction based entirely on your business’s revenue performance.
This distinction is critical for ITIN holders. Because a merchant cash advance is structured as a purchase of future receivables, the approval process focuses on your business bank statements and monthly revenue rather than a Social Security Number, personal credit history, or immigration status. If your business generates consistent revenue, you can qualify.
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS to individuals who are required to have a U.S. taxpayer identification number but who are not eligible for a Social Security Number. Millions of business owners across the United States operate legally with an ITIN, file taxes, and contribute to their communities — yet they are routinely shut out of traditional banking products. Merchant cash advances eliminate that barrier.
Approved on business income, not personal credit scores or SSN
Pre-approval in 24 hours, funds deposited in 1-2 business days
Payments adjust automatically based on your daily revenue
No property, equipment, or personal assets put at risk
Traditional lenders demand a Social Security Number for credit checks and underwriting. Merchant cash advances bypass this entirely. Your ITIN is accepted as valid identification for the funding process, eliminating the most common barrier ITIN holders face when seeking capital.
Banks evaluate personal credit scores and credit history — metrics that often exclude ITIN holders who have no U.S. credit file. An MCA evaluates what actually matters: how much revenue your business generates each month. Consistent sales are your strongest qualification.
Because merchant cash advances are not loans, there is no hard inquiry on your personal credit report. This means applying will not damage your credit profile, and a lack of U.S. credit history will not prevent you from qualifying for the capital your business needs.
Bank loans for ITIN holders — when available at all — can take weeks or months. An MCA delivers a decision within 24 hours and funds within one to two business days. When you need capital to seize an opportunity or cover an emergency, speed matters.
Fixed monthly loan payments create cash flow stress, especially for seasonal or variable-revenue businesses. MCA repayment is collected as a small percentage of daily revenue. Slow week? You pay less. Busy season? You pay more and finish faster. The payment always fits.
No tax returns. No lengthy financial statements. No business plans. The primary documents needed are your bank statements, valid ID, and proof of business ownership. The entire application can be completed in under 15 minutes, and most supporting documents can be uploaded digitally.
Complete our simple application in minutes. Provide your ITIN, basic business information, and upload 3-6 months of business bank statements. No SSN field required.
Our underwriting team analyzes your bank statements to evaluate monthly revenue volume, deposit consistency, and overall cash flow patterns. No credit bureau inquiry is performed.
Receive your approval offer within 24 hours, including your funding amount, factor rate, and repayment terms. A funding specialist will walk you through every detail by phone.
Sign your agreement electronically and receive your capital deposited directly into your business bank account, typically within one to two business days after approval.
Qualifying for a merchant cash advance with an ITIN is straightforward. There are no credit score minimums, no collateral requirements, and no SSN needed. Here is what you will need:
Understanding the differences helps you make an informed decision about which funding option best fits your situation as an ITIN holder.
| Feature | ITIN Merchant Cash Advance | Traditional Bank Loan |
|---|---|---|
| SSN Required | No — ITIN accepted | Yes — SSN mandatory |
| Credit Check | No personal credit check | Hard credit inquiry required |
| Approval Basis | Business revenue & bank statements | Credit score, collateral, financials |
| Approval Speed | 24 hours | 2-8 weeks typical |
| Time to Funding | 1-2 business days | 30-90 days |
| Collateral | None required | Property, equipment, or personal guarantee |
| Repayment | Flexible — percentage of daily revenue | Fixed monthly payments regardless of revenue |
| Documentation | Bank statements, ID, business proof | Tax returns, financial statements, business plan |
| ITIN Holder Approval Rate | High | Very low to non-existent |
ITIN-holding business owners operate across every industry in the United States. If your business generates consistent monthly revenue, you are likely eligible for a merchant cash advance regardless of your industry.
Thousands of ITIN-holding business owners across the United States have accessed the capital they needed through merchant cash advances. Your business revenue speaks for itself. Let us help you turn that revenue into growth capital — no SSN required, no credit check, no barriers.
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