Invoice Factoring for Non-Citizens
See What You Qualify ForWhy Invoice Factoring Works for Non-Citizens
LPR: Full access | Visa holders: Full access | ITIN: Full access — qualification based on customer creditworthiness
SBA vs. Invoice Factoring
| Factor | SBA Loan | Invoice Factoring |
|---|---|---|
| Citizenship Required | 100% U.S. citizen owners | No — based on customer credit, not owner status |
| Funding Speed | 30-60 days | 24-48 hours |
| Credit Check | Owner's credit 650+ | Customer creditworthiness evaluated |
| SSN Required | Yes | No — ITIN or EIN sufficient at many factors |
Frequently Asked Questions
Why is invoice factoring ideal for non-citizen business owners?
Invoice factoring evaluates the creditworthiness of your customers (the businesses paying your invoices), not your personal immigration status or credit history. This makes it the most immigration-status-agnostic funding product available. Bankers Factoring explicitly states they serve U.S. companies with foreign ownership.
Do I need an SSN for invoice factoring?
Not always. Many factoring companies require only a U.S.-registered business entity (LLC or Corp) with an EIN and creditworthy B2B customers. Some factors don't require the business owner to have an SSN at all. Contact us for specific lender requirements.
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