Access $5,000 to $5,000,000 in business capital regardless of citizenship status. We fund green card holders, visa holders, DACA recipients, and ITIN holders nationwide.
Pre-Approval
Max Funding
Businesses Funded
Revenue-based funding that looks at your business performance, not your passport.
Green Card
Work Visa
ITIN
DACA
Millions of non-citizen entrepreneurs operate successful businesses across the United States. They hire American workers, pay taxes, contribute to local economies, and generate billions in annual revenue. Yet when these same business owners walk into a traditional bank seeking a business loan, they face a system that was not built for them.
Banks rely heavily on Social Security Numbers, U.S. credit history, and citizenship verification as gatekeeping mechanisms in their underwriting. For a green card holder who arrived three years ago with a thriving restaurant generating $80,000 per month in revenue, these requirements create an impenetrable barrier. The bank sees a thin credit file instead of a proven business. They see a missing SSN instead of consistent monthly deposits. They see immigration documentation instead of a track record of profitability.
The result is a financing gap that punishes productive business owners for their immigration status rather than evaluating them on the merits of their business. Merchant Fund Express exists to close that gap.
Merchant Fund Express provides business financing solutions tailored to every category of non-citizen business owner operating legally in the United States.
Lawful permanent residents with green cards have full authorization to own and operate businesses. We offer the same funding amounts and terms available to U.S. citizens. Access merchant cash advances, revenue-based financing, equipment financing, and working capital lines from $5,000 to $5,000,000.
E-2 visa holders who have invested substantial capital in a U.S. business qualify for additional growth funding. Your existing investment demonstrates commitment, and our financing helps you expand operations, hire staff, and scale revenue without depleting your initial capital reserves.
L-1 visa holders managing U.S. operations for international companies can access working capital for the U.S. entity. Whether you need equipment, inventory, or cash flow support for your American branch, our revenue-based financing evaluates the U.S. business on its own merits.
H-1B visa holders who have started side businesses or transitioned to full-time entrepreneurship can qualify for business funding. We evaluate the business entity separately from your employment visa status, focusing on revenue performance and business viability.
O-1 visa holders with demonstrated extraordinary ability in business, science, arts, or athletics can leverage their expertise with proper business funding. Your exceptional qualifications combined with strong business revenue make you an ideal candidate for our financing programs.
EB-5 investors who have already made a qualifying investment can access additional business financing to grow their ventures beyond the initial investment threshold. Our funding supplements your existing capital structure without complicating your EB-5 petition requirements.
DACA recipients with valid Employment Authorization Documents can own businesses and qualify for financing. We have funded hundreds of Dreamer entrepreneurs across restaurants, retail, construction, and professional services. Your ambition matters more than your documentation category.
If you have an Individual Taxpayer Identification Number instead of a Social Security Number, you can still qualify for business financing. Our programs accept ITIN as a valid tax identification for underwriting. Many of our most successful funded clients operate exclusively with an ITIN.
Our underwriting model was built to evaluate businesses on their actual performance, not on the citizenship status of their owners.
We evaluate your monthly business revenue, deposit consistency, and cash flow patterns instead of relying on personal credit scores or SSN-based credit reports. Strong revenue equals strong approval odds.
Our application system accepts Individual Taxpayer Identification Numbers as valid identification. You do not need a Social Security Number to apply, qualify, or receive funding through our programs.
Our application does not affect your visa, green card application, or immigration proceedings. We do not report to immigration authorities. Your information remains strictly confidential.
Our funding specialists work in English and Spanish and can coordinate translation services for other languages. We ensure you fully understand every term and condition before signing.
Non-citizen applicants receive the same rapid processing as all clients. Pre-approval within 24 hours, full approval within 1 to 3 business days, and funding deposited directly into your business account.
Your rates are determined by business performance, not immigration status. Non-citizen business owners receive the same competitive rates and flexible repayment terms as any other qualified applicant.
Our documentation requirements are designed to be achievable for non-citizen business owners. We have eliminated the barriers that traditional banks use to exclude international entrepreneurs.
We do not require: U.S. credit history, Social Security Number, personal tax returns, collateral, or proof of permanent residency.
Complete our simple application in under 10 minutes. No SSN required. Upload your bank statements securely.
Our team reviews your business revenue and performance within 24 hours. No hard credit pull.
Receive your funding offer with clear terms, rates, and repayment schedule. Ask questions in your language.
Sign your agreement and receive funds deposited directly into your business bank account within 1-3 days.
Every funding product we offer to U.S. citizens is also available to qualified non-citizen business owners. There are no restricted products based on immigration status.
A merchant cash advance provides a lump sum of capital in exchange for a percentage of future business revenue. This is our most popular product for non-citizen business owners because approval is based entirely on business deposits and credit card processing volume. There is no credit check, no SSN requirement, and no collateral needed. Funding amounts range from $5,000 to $2,000,000 with repayment aligned to your daily or weekly revenue.
Revenue-based financing provides growth capital repaid as a fixed percentage of monthly revenue. When your business earns more, you repay faster. When revenue dips seasonally, your payments decrease automatically. This flexibility makes it ideal for non-citizen business owners in seasonal industries like restaurants, retail, tourism, and construction.
Need commercial kitchen equipment, construction machinery, medical devices, or salon stations? Equipment financing allows non-citizen business owners to acquire essential business equipment with the equipment itself serving as collateral. No additional collateral or personal guarantee is required. We fund equipment purchases from $5,000 to $5,000,000.
Access a revolving line of working capital to manage cash flow gaps, cover payroll during slow periods, purchase inventory at bulk discounts, or handle unexpected expenses. Our working capital programs for non-citizens require only business bank statements and valid identification. Draw funds as needed and repay on a flexible schedule.
Planning to open a second location, enter a new market, or scale your operations? Our business expansion funding provides the capital non-citizen entrepreneurs need to grow beyond their first location. We evaluate expansion applications based on your existing business performance and projected revenue, not on personal credit history or citizenship documents.
Get answers to the most common questions non-citizen business owners ask about financing, eligibility, and the application process.
Non-citizen business owners lead some of the most dynamic industries in America. We provide specialized financing across every sector.
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