Your business is real. Your revenue is real. Your ITIN is enough. We fund hardworking business owners regardless of citizenship status — same-day decisions, no credit score requirement.
An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to individuals who don't qualify for a Social Security Number. Millions of immigrant business owners operate with an ITIN — and most traditional lenders turn them away.
Merchant Fund Express is different. We evaluate your business based on revenue and cash flow — not your immigration status. If your business is generating income, you qualify.
We've helped restaurant owners, construction contractors, trucking operators, salon owners, and hundreds of other immigrant entrepreneurs access the capital they deserve.
Simple 3-step process. Most applicants funded within 24 hours.
Fill out our simple application. No SSN required — your ITIN, 3 months of bank statements, and basic business info is all we need.
Your dedicated specialist reviews your application and calls you same day. We evaluate your revenue, not your immigration status or credit score.
Once approved, funds are deposited directly to your business bank account — often the same day or next business morning.
Your IRS-issued Individual Taxpayer Identification Number (Form W-7)
Business checking account statements showing revenue history
Passport, consular ID, or driver's license — any valid photo ID
Your business must be generating consistent monthly income
We can fund businesses operating for at least 3 months
Immigrant entrepreneurs built America's restaurant, construction, trucking, and retail industries. We fund them.
Restaurants
Construction
Trucking
Retail
Salons
Auto Repair
Apply in 5 minutes. Same-day decision. No SSN required. No prepayment penalties.