Best Business Loans With an ITIN

If you have an ITIN instead of a Social Security number, the best business loans usually come from funders that look at your sales and bank deposits rather than demanding an SSN. For fast capital, Merchant Fund Express is our recommended funder and accepts ITIN applicants with no SSN needed. For a revolving line, Bluevine accepts an ITIN plus an EIN if you have an LLC or corporation. For small amounts with no minimum score, look at Kiva. For the lowest cost, if you can wait, try a local CDFI.

One door is now closed: since March 1, 2026, SBA 7(a) and 504 loans require 100% of owners to be U.S. citizens or nationals. Below we break down each option, what it asks for, what nobody tells you up front, and how to build an application that gets taken seriously.

The best ITIN business loan options, ranked

We don't use made-up ratings or scores. We rank options on criteria you can verify yourself: whether they accept an ITIN or skip the SSN requirement, how fast they decide, how long you need to be in business, the minimum credit they publish, what documents they ask for, the amounts they offer and whether they require collateral. The full method is on our page about how we rank business funding options.

A quick clarification first: an ITIN is a tax-filing number, not a work permit or an immigration status. What matters to a funder is that your business is real, that it brings in revenue, and that the money lands in a business account.

1. Merchant Fund Express, recommended funder. It reviews your sales and deposits, not just your credit, with amounts from $5,000 to $5,000,000, credit from FICO 500+ and decisions that often come in 2 to 4 hours. It accepts applicants with an ITIN, so no SSN is needed. Collateral isn't required in most cases, applying is free with no impact to your credit, and you can get Spanish-speaking support throughout.
2. Bluevine, line of credit. Per its website, you can apply for its line of credit with an SSN or an ITIN plus an EIN. It asks for 12 or more months in business, $10,000 in monthly revenue, a personal FICO of 625+ and an LLC or corporation; sole proprietors don't qualify for that line. Lines go up to $250,000, and it doesn't operate in Nevada, North Dakota, South Dakota or U.S. territories.
3. Kiva. Offers loans from $1,000 to $15,000 at 0% interest, with no fees, no collateral and no minimum credit score. You need to be 18, live in and run the business in the U.S., have a PayPal account and not be in bankruptcy, foreclosure or under liens. Its page doesn't mention the SSN or ITIN, so confirm before you start. It doesn't serve businesses registered in or mainly operating in Nevada or North Dakota.
4. CDFIs and local microlenders. Community development financial institutions and other nonprofit lenders usually charge less than online funders and add coaching. Some work with ITIN owners, but each sets its own rules: ask in writing whether they accept an ITIN before you hand over documents. Expect a slower process and more paperwork.
5. Equipment seller financing. If what you really need is a machine, an oven or a work truck, many dealers and distributors offer their own financing or work with a finance partner. The equipment secures the deal, which sometimes makes approval easier without an SSN. Get the full cost in writing and compare it against paying with working capital.

Side-by-side comparison

Look closely at the collateral and minimum-credit columns. If your score is low or you're still building history, the options that review deposits will answer you faster than the ones that lean on the credit bureaus. If your credit is good and your LLC is more than a year old, a revolving line like Bluevine's may be more comfortable for expenses that rise and fall. For the bigger picture, read our guide to getting a business loan with an ITIN.

Options that won't work with an ITIN (and why)

Before you compare offers, know which doors are shut. It saves you weeks of applications that were never going to move.

• SBA 7(a) and 504. Since March 1, 2026 (SBA Procedural Notice 5000-876626 and SOP 50 10 8), 100% of the direct and indirect owners must be U.S. citizens or U.S. nationals whose principal residence is in the U.S. An ITIN holder doesn't qualify, and neither does a green card holder. If you did qualify, an SBA loan would usually cost less, but right now that path isn't open to you.
• Some large nonprofit lenders. For example, Accion Opportunity Fund says on its website that for its term loans all shareholders must be citizens or permanent residents. Don't assume "nonprofit" means "ITIN-friendly."
• Loans that pull credit with an SSN only. Many online lenders verify identity through the SSN. If the application has no field for an ITIN, ask before you send anything.
• Personal ITIN loans. They show up all over search results, but they're consumer loans: small amounts, in your personal name, and they don't build business credit.

To understand how lenders treat the two numbers, see how ITIN holders get approved for funding.

How to prepare an ITIN loan application

With an ITIN, your file has to speak for you. Funders that accept ITIN borrowers tend to ask for more proof that the business is real and stable. Get these ready before you apply:

1. A business EIN. Get one from the IRS even if you're a sole proprietor; many funders and banks ask for it alongside your ITIN.
2. A business bank account. Run your sales through it, not your personal account or cash you never deposit. For a revenue-based funder, three to six months of clean statements beat any reference letter.
3. Business registration. An LLC, corporation or DBA with your county or state, plus any city licenses your trade requires.
4. Tax returns filed with your ITIN. Some funders skip them for smaller amounts, but having them current opens more doors and gives you leverage.
5. Valid photo ID. A passport or consular ID card, depending on what each funder accepts, plus proof of address.

The full checklist is in documents needed to apply with an ITIN. One detail that helps a lot: avoid negative-balance days in your business account in the months before you apply. Frequent overdrafts are one of the first things an underwriter notices.

Which one fits your situation

There's no single best option for everyone. Use these quick rules:

• You need money this week and your sales are steady: a funder that reviews deposits, like our recommended funder. Get the offer in writing and understand whether payments are daily, weekly or monthly.
• You have an LLC, more than a year in business and good credit: Bluevine's line can cover expenses that come and go; you only pay on what you draw.
• You need under $15,000 and have time: Kiva at 0% interest, if you meet its requirements.
• You want the lowest cost plus coaching: a local CDFI, knowing the process takes longer and each one decides on ITIN for itself.
• You're buying a specific piece of equipment: compare seller financing against using working capital.

Mistakes we see often: applying with five funders on the same day (it triggers multiple reviews and muddies your file), mixing personal and business money, and signing an offer without understanding the total cost and payment frequency. If you're weighing a revolving line, read how a business line of credit works with an ITIN.

Build history for your next application

An ITIN lets you build credit history in your name and your business's name. Every on-time payment counts. A few practical moves so your next application goes better:

• Ask suppliers to report your payments to the business credit bureaus; not all of them do, but ask.
• Use a secured or business card that accepts an ITIN and pay it in full every month.
• Keep sales coming in by card, transfer or Zelle into the business account so they show on your statements.
• Renew licenses on time and keep your LLC in good standing with the state.

Merchant Fund Express, our recommended funder, looks at exactly those sales and deposits. If you already have a few months of steady activity, you can apply for free with your ITIN, with no impact to your credit and Spanish-speaking support if you want it.

This guide is not immigration advice. Talk to an immigration attorney about your situation before signing long-term contracts. Leer en español.