Equipment Financing for Non-Citizens
See What You Qualify ForWhy Equipment Financing Works for Non-Citizens
LPR: Full access | Visa holders: Full access | ITIN: Accepted at specialty lenders (Conserv Capital, Cultiva Financial)
SBA vs. Equipment Financing
| Factor | SBA Loan | Equipment Financing |
|---|---|---|
| Citizenship Required | 100% U.S. citizen owners | No — ITIN accepted at specialty lenders |
| Funding Speed | 30-60 days | 3-5 business days |
| Amount Range | $50K–$5M | $10K–$500K |
| Collateral | Personal guarantee + business assets | Equipment itself via UCC lien |
Frequently Asked Questions
Can ITIN holders get equipment financing?
Yes. Conserv Capital and Cultiva Financial explicitly accept ITIN for equipment financing. The equipment serves as collateral via a UCC lien, which reduces the lender's risk regardless of the borrower's immigration status or credit history. This makes equipment financing one of the most immigration-status-agnostic products.
What equipment can non-citizens finance?
Any revenue-generating business equipment: commercial vehicles, construction machinery, restaurant equipment, medical equipment, manufacturing tools, technology infrastructure, and more. The lender evaluates the equipment's value and your business revenue, not your citizenship.
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