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Small business loans for international and foreign borrowers
We introduce small and growing companies to independent lenders that lend across borders, with financing arranged in USD.
What this financing is and how we arrange it
A small business loan is a lump sum repaid over an agreed term and used for stock, payroll, marketing or everyday running costs. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
If your need is a short cash-flow gap, compare working capital loans. If the money is for one specific asset, look at equipment financing instead.
When it fits
- Established companies that need USD funding for stock, payroll or marketing
- Owners who bank outside the US but want financing from lenders that lend cross-border
- Businesses with at least six months of trading history and steady revenue
- Companies that prefer one predictable repayment schedule over a revolving line
What lenders typically ask for
- Business registration certificate and proof of business address
- Recent bank statements that show revenue and repayment capacity
- ID for directors and for owners with a significant shareholding
- A short use-of-funds summary (a full business plan is not always needed)
An illustration
A trading company registered outside the US needs USD 60,000 to buy stock ahead of a seasonal order. We collect its registration papers and bank statements, introduce it to lenders that fund cross-border, and the owner compares the offers. The amount, price and repayment schedule come from the lender, not from JP Lending Ltd.
For illustration only. This is not an offer, rate or quote.
How it compares
A small business loan suits a defined, one-off need. If revenue arrives unevenly and you only need cover for a few weeks, working capital loans are usually a closer fit. Founders under six months old should read our guide to startup business loans.
I’ve worked with JP Lending for my business’s international expansion, and I couldn’t be happier with the experience. The application process was quick and simple, and their team provided support every step of the way. I highly recommend them to anyone looking for a loan!
Frequently asked questions
What can I use a small business loan for?
Typically stock, payroll, marketing, supplier payments and general running costs. The lender will ask for a short summary of how the money will be used.
Do I need to be in the US to borrow in USD?
No. International and foreign borrowers can apply from most countries. Financing is arranged in USD and subject to the lender and any local rules.
Who provides the funding?
Independent lenders do. We help you prepare your application, advise on strengthening it and connect you with lenders; the lender makes the decision and funds the loan.
Related financing options
Ready to apply for business funding?
Complete our online application in minutes. No upfront fees.