Working Capital Loans for Non-Citizens
See What You Qualify ForWhy Working Capital Loans Works for Non-Citizens
LPR: Full access | Visa holders: Most lenders accept | ITIN: Case-by-case with revenue-based underwriting
SBA vs. Working Capital Loans
| Factor | SBA Loan | Working Capital Loans |
|---|---|---|
| Citizenship Required | 100% U.S. citizen owners | No citizenship requirement |
| Funding Speed | 30-60 days | 1-5 business days |
| Amount Range | $50K–$5M | $25K–$500K |
| Credit Minimum | 650+ | 550+ |
| Time in Business | 2+ years preferred | 6+ months |
Frequently Asked Questions
Can non-citizens get working capital loans?
Yes. Private working capital lenders have no citizenship requirement. Green card holders are eligible at virtually all providers. Visa holders with SSNs are accepted by most lenders. Qualification is based on monthly revenue ($20K+), time in business (6+ months), and credit score (550+).
How fast can non-citizens get working capital?
Most private working capital lenders fund within 1-5 business days — significantly faster than SBA loans which took 30-60+ days. The application process typically requires 3-6 months of business bank statements and basic business documentation.
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