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Business loans in the United States for foreign-owned companies
For non-US founders running a US company, and overseas firms selling into the US, we arrange USD financing through independent lenders.
Who we help in United States
We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
All financing is arranged in USD.
Non-US founders with a US entity
A US LLC or C-corporation formed in a state such as Delaware or Wyoming, often by founders who live abroad.
Overseas companies selling to US customers
Exporters and brands that invoice American buyers and need working capital before payment arrives.
Importers into the US
Businesses paying overseas suppliers in USD and selling domestically.
US subsidiaries of foreign groups
Local operating companies that need finance but have no US credit history yet.
Registration and documents
Lenders typically ask for:
- Employer Identification Number (EIN) confirmation
- Formation documents and operating agreement or bylaws
- US business bank statements (a US account makes payments easier)
- Passport or ID and proof of address for each owner, plus tax identification details where available
Borrowing in USD
Revenue and borrowing are both in dollars, so there is no currency mismatch. The US is the simplest market for exchange-rate risk, although founders paid in another currency personally should still check how repayments will be made.
Typical uses
Marketplace inventory
Sellers on Amazon or Shopify often pre-order stock; see ecommerce loans.
Cash-flow gaps
B2B invoices paid in 30 to 60 days are a classic case for working capital loans.
Growth and premises
A second location or a bigger warehouse may suit expansion finance.
An illustration
A UK founder runs a Delaware LLC selling homeware through US marketplaces and wants USD 80,000 of stock for the holiday season. She supplies the LLC documents, EIN letter and twelve months of marketplace and bank statements. We introduce the company to lenders that read marketplace data; the lender sets the terms.
For illustration only. This is not an offer, rate or quote.
Local points to know
Lenders usually ask for an EIN and a US bank account. Foreign ownership does not prevent borrowing but can mean extra identity checks. State registration and sales-tax obligations vary by state; we do not give tax or legal advice.
As a small business owner, finding financing that fits my needs was a challenge until I came across JP Lending. Their online business loans are exactly what I needed to grow my business globally. The terms were flexible, and the process was faster than I expected!
Frequently asked questions
Do I need a US bank account?
Many lenders prefer one because payments are simpler. If you do not have one, tell us and we will check which lenders can work without it.
Can a non-US citizen borrow for a US company?
Yes. Foreign owners can apply, and lenders typically verify identity and ownership documents.
Do I need a US credit history?
Not always. Foreign founders often have a thin US file, and lenders may rely on business bank statements instead.
Related financing options and other regions
Ecommerce loans
Inventory and growth finance for online sellers, based on sales history.
Loan typeWorking capital loans
Short-term funding to bridge payment gaps and seasonal swings.
Loan typeSmall business loans
A lump sum for stock, payroll or marketing, repaid over an agreed term.
RegionRest of Europe
UK and European companies borrowing in USD against euro, pound and other revenue.
RegionNetherlands
Dutch BVs and exporters borrowing in USD against euro revenue.
RegionDubai / UAE
Mainland and free-zone companies, with the dirham pegged to the dollar.
Ready to apply for business funding?
Complete our online application in minutes. No upfront fees.