Business funding portal
Global founders. American capital.
Funding options for eligible ITIN holders and foreign-national business owners. Requirements vary by funder and product.
- Options for ITIN holders and foreign nationals
- Specialists in 8 languages
- Estimate first, no commitment
Merchant cash advance example
Illustrative- Advance amount
- $50,000
- Factor rate
- 1.45×
- Total to be remitted
- $72,500
Specialists available in 8 languages
- English
- Español
- Türkçe
- العربية
- Українська
- Русский
- Français
- اردو
Funding products
Four ways to fund what you are building
Each product works differently. Compare them, then talk with a specialist about which may fit your business.
Merchant cash advance by industry
Built around the businesses we know
Merchant cash advance options shaped around how these industries earn and spend.
- Health centers Clinics, dental and therapy practices. Explore Health centers
- Bus companies Charter, tour and transport operators. Explore Bus companies
- Restaurants Restaurants, cafés, bakeries and catering. Explore Restaurants
- Ethnic & independent retailers Markets, groceries and neighborhood shops. Explore Ethnic & independent retailers
How it works
From estimate to funding, step by step
Timelines vary by product, funder and how quickly documents are ready.
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Step 1: Estimate
Use a calculator to see a ballpark for your situation.
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Step 2: Document check
We review what you have and tell you what is typically needed.
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Step 3: Specialist call
Talk through your goals with a specialist, in your language.
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Step 4: Offers and funding
Review any offers from funders. If you accept, funding follows their process.
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ITIN holders
Business owners who file US taxes with an Individual Taxpayer Identification Number.
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Foreign nationals with US LLCs
Owners living abroad or on visas who operate a US-registered company.
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Immigrant-owned businesses
Established local businesses run by first-generation founders and families.
Get ready
Documents funders typically ask for
Typical; requirements vary by funder and product. A specialist will confirm what applies to you.
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ITIN letter or passport
Government-issued identification for each owner.
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EIN
Your business’s Employer Identification Number from the IRS.
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US business bank account
An active account in the business’s name.
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Bank statements
Typically the most recent 3–12 months of business statements.
Questions
Frequently asked questions
Can I get business funding with an ITIN instead of an SSN?
Some funders work with ITIN holders. Eligibility depends on the product, the funder, your business history and other factors, so we cannot promise approval, but we can help you see which options may be available.
Is tsmartcash a lender?
tsmartcash is a business funding portal. We arrange financing through third-party funders and, for residential mortgages, a licensed mortgage partner. We do not fund transactions ourselves. Any offer comes with the terms of the provider making it.
Is a merchant cash advance a loan?
No. A merchant cash advance is a purchase of a portion of your future receivables. The funder is repaid from a share of your sales, and the cost is expressed as a factor rate rather than an interest rate.
Will you check my credit?
Many funders review credit history as part of their decision, and some may use other information such as bank statements and sales history. Requirements vary by funder and product.
I live outside the US. Can my US LLC still apply?
Some funders work with foreign-national owners of US companies, often with a US business bank account, an EIN and a track record of US revenue. Requirements vary, and a specialist can review your situation.
How long does it take to get funded?
It depends on the product and the funder. Merchant cash advances and factoring can typically move faster than real estate financing, which usually requires appraisals and title work. We will give you a realistic timeline once we see your documents.
Which languages can I speak with a specialist in?
Our team serves clients in English, Spanish, Turkish, Arabic, Ukrainian, Russian, French and Urdu. Choose your preferred language on the contact form.
Does using the calculators affect anything?
No. The calculators run in your browser and give illustrative estimates only. They are not an application, an offer or a commitment from any funder.
Ready to see what may be possible?
Start with a free estimate or talk to a specialist in your language.