Business Lines of Credit for Non-Citizens
See What You Qualify ForWhy Business Lines of Credit Works for Non-Citizens
LPR: Full access | Visa holders: Most lenders accept with SSN | ITIN: Limited — credit unions may accept
SBA vs. Business Lines of Credit
| Factor | SBA Loan | Business Lines of Credit |
|---|---|---|
| Citizenship Required | 100% U.S. citizen owners | No — SSN required at most lenders |
| Draw Structure | Lump sum disbursement | Draw as needed, pay interest only on drawn amount |
| Credit Minimum | 650+ | 625+ |
Frequently Asked Questions
Can green card holders get a business line of credit?
Yes. Green card holders with SSNs are eligible at virtually all private lenders offering business lines of credit. Requirements are the same as for citizens: 12+ months in business, $100K+ annual revenue, and 625+ credit score. The SBA ban does not affect private credit lines.
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