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Startup business loans for international founders
Early-stage funding in USD, arranged through independent lenders that are willing to lend to young companies across borders.
What this financing is and how we arrange it
Most lenders want to see some trading before they commit, so startup financing is about showing early traction rather than a long history. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
Once you are trading steadily, a standard small business loan may offer more choice.
When it fits
- Founders with at least six months of trading and first customers
- Software, services and product startups that need to hire or buy stock
- Owners who are not yet profitable but can show growing monthly revenue
- Foreign founders running a company registered outside the lender’s home market
What lenders typically ask for
- Company registration documents and proof of address
- Founder ID and, where asked, a short founder biography
- Bank statements covering the months you have traded
- A one-page summary of what the funding will achieve and how it will be repaid
An illustration
A two-person software company registered in Hong Kong has traded for eight months and wants USD 40,000 to hire a developer. It supplies its registration papers, bank statements and a one-page plan. We introduce it to lenders that look at monthly recurring revenue; the lender sets the terms and any security.
For illustration only. This is not an offer, rate or quote.
How it compares
Unlike a mature small business loan, startup finance leans on founder track record and recent revenue, so offers are often smaller and shorter. Online sellers can also look at ecommerce loans, which use platform sales history.
I was unsure at first but everything went smooth. Highly recommend for online loans for international entrepreneurs.
Frequently asked questions
Can a pre-revenue company apply?
Most lenders we work with expect around six months of trading. If you are younger than that we will say so before you spend time on documents.
Do I need a full business plan?
Not always. A short summary of how you will use and repay the funds is often enough, and clear business information speeds things up.
Is there a fee to apply?
JP Lending Ltd does not charge upfront fees. Any lender fees are shown in the lender’s terms before you accept.
Related financing options
Ready to apply for business funding?
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