Can I get a business loan with an ITIN?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Yes, alternative lenders like Merchant Fund Express fund ITIN-only business owners. Roughly 23% of MFE approvals are ITIN-only. Traditional banks usually require an SSN. ITIN business loans require the same documents as SSN loans: bank statements, ID, EIN. Bilingual support available in Spanish.

Key Details

  • Alternative lenders: ITIN OK
  • Banks: usually require SSN
  • Same documents required
  • EIN replaces SSN for business
  • MFE: 23% ITIN approval rate
  • Spanish language support available
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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