Business Funding for Non-Citizens

The SBA banned non-citizens from all loan programs. Private lenders didn't.

Your Status, Your Options

Funding paths differ by immigration status. Find yours.

Green Card Holders (LPR)

12.8 million in the U.S.

LPRs are the highest-value, lowest-friction segment for private lending. Your credit profile is nearly identical to a citizen's.

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Work Visa Holders (H-1B, L-1, E-2, O-1, TN)

3–4 million active in the U.S.

For short-term products (MCAs, equipment financing), visa expiration is rarely a barrier. Asset-backed products provide the strongest approval path.

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ITIN Holders (No SSN)

5.4 million active ITINs in the U.S.

Invoice factoring is the most accessible product — qualification is based on your customers' creditworthiness, not yours. Equipment financing uses the equipment itself as collateral.

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Your Funding Options

Eligibility by immigration status. All products available through Nautix Capital's lender network.

Product	Amount	Speed	ITIN
Working Capital Loans $25K–$500K · 1-5 days	$25K–$500K	1-5 days	case-by-case
Revenue-Based Funding $25K–$500K · 3-7 days	$25K–$500K	3-7 days	limited
Equipment Financing $10K–$500K · 3-5 days	$10K–$500K	3-5 days
Invoice Factoring $10K–$500K · 24-48 hrs	$10K–$500K	24-48 hrs
Business Lines of Credit $10K–$250K · 3-7 days	$10K–$250K	3-7 days	limited
DSCR Loans $100K–$5M · 20-30 days	$100K–$5M	20-30 days
Merchant Cash Advances $5K–$500K · 1-3 days	$5K–$500K	1-3 days	low
PO Financing $10K–$500K · 5-10 days	$10K–$500K	5-10 days

Funding by State

Local regulations and immigrant business data for top states.

Florida

Florida leads the nation in immigrant business ownership. Miami has 61.8% immigrant-owned businesses — the highest rate of any U.S. metro. Orlando follows at 39.3%. Tampa and Fort Lauderdale also show significant immigrant business populations.

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California

California has some of the highest immigrant business concentrations nationally. San Jose leads at 50.0%, Los Angeles at 43.9%, and San Francisco at 40.1%. The state's Unruh Civil Rights Act explicitly prohibits discrimination based on citizenship or immigration status.

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Texas

Texas has significant immigrant business concentrations. El Paso leads at 38.7%, followed by Houston (~30-35%), Dallas (~28%), and Fort Worth (~22%). McAllen has 37.2% immigrant business ownership.

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New York

New York City has 42.6% immigrant-owned businesses — nearly half of the city's 220,000 businesses. Washington DC-area metros also show 41% immigrant business ownership.

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Frequently Asked Questions

Can non-citizens get business loans in 2026?

Yes. The March 2026 SBA ban only affects SBA-guaranteed programs. Private lenders, alternative lenders, and non-SBA products have no citizenship requirements. Green card holders, visa holders, and ITIN holders can access working capital loans, equipment financing, invoice factoring, DSCR loans, MCAs, and more through Nautix Capital's network of 40+ lenders.

What changed with the SBA ban in March 2026?

SBA Policy Notice 5000-876441, effective March 1, 2026, requires 100% U.S. citizen ownership for any SBA-guaranteed financing. Even 1% ownership by a green card holder disqualifies the entire business. The ban was expanded to cover Surety Bond and Microloan programs effective April 1, 2026. This does not affect private or alternative lending.

Do I need an SSN to get business funding?

Not always. Invoice factoring and PO financing qualify based on customer creditworthiness, not owner SSN. Equipment financing is available to ITIN holders through specialty lenders like Conserv Capital and Cultiva Financial. DSCR loans have passport-only programs. MCAs and working capital typically require SSN or legal residency.

Which products are best for non-citizens?

Invoice factoring (qualification based on customer credit, not yours), DSCR loans (property cash flow-based, explicit foreign national programs), and equipment financing (equipment serves as collateral, ITIN accepted) are the three most accessible products across all non-citizen categories.

Will applying for business funding affect my immigration status?

No. Applying for private business funding does not affect your immigration status, visa renewal, or green card application. Private lending is a standard commercial transaction. However, we are not immigration attorneys — consult a licensed immigration attorney for questions about how business activities may interact with your specific immigration situation.

How is Nautix Capital different from SBA lenders?

Nautix Capital is a business funding advisory that connects you with 40+ private lenders — none of which have citizenship requirements. We are not an SBA lender and never were. Our lender network evaluates your business on revenue, cash flow, and performance — not your passport. Funding through our network is typically faster (1-5 days vs. 30-60+ days for SBA).

Is there a minimum revenue requirement?

Yes. We work with businesses generating $20,000 or more per month in revenue. This threshold ensures we can match you with lenders who offer meaningful funding amounts ($25K–$5M) at competitive terms. If your business generates less than $20K/month, we may not be the right fit at this time.

What about mixed-ownership businesses (citizen + non-citizen co-owners)?

For SBA loans, even 1% non-citizen ownership disqualifies the entire business. For private lending, mixed ownership is generally not a problem. Lenders underwrite against business revenue, not ownership citizenship breakdown. Personal guarantees can come from any owner — some lenders prefer the U.S. citizen co-owner as lead borrower.

Find Out What You Qualify For

Our SmartMatch system compares 75+ lenders to find your best fit in under 2 minutes. No citizenship required.

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