# MCA for foreign-owned US businesses > Foreign-owned US businesses (US entity owned by non-US citizens or non-residents) qualify at most US MCA funders if the entity meets US criteria (EIN, US banking, US revenue, US address) — but personal guarantees require extra documentation, sometimes a US-resident co-guarantor, and pricing may run 5–15% higher. Foreign-owned US businesses are a major and growing segment — Delaware LLCs and C-corps owned by non-US founders for e-commerce, SaaS, services, and import/export. The MCA market has adapted, with most funders willing to fund them under specific conditions. **The structural eligibility.** A US entity meets MCA criteria if: - **US EIN.** Issued to the entity, not the owner. - **US business address.** Real or substantive — funders verify with utility bills, lease agreements, or operational evidence. - **US business bank account.** Mercury, Brex, Relay, and traditional US banks accept foreign-owned US entities. Mercury and Brex are particularly foreign-owner-friendly. - **US merchant processing.** Stripe US, Square, etc. - **US revenue.** Bank statements showing US customer payments. - **3–6 months of bank statement history.** Minimum for most funders; some require 12 months. The owner's citizenship and residency do not affect entity-level eligibility. They affect the personal guarantee. **The personal guarantee complication.** US MCA funders nearly universally require a personal guarantee from the controlling owner. For foreign-owned entities, this means: - **The PG is signed by a non-US-resident individual.** - **Enforcement.** The guarantee's enforceability depends on the guarantor's country of residence and bilateral judgment-recognition treaties. - **No US-resident guarantor.** Some funders require an additional US-resident co-guarantor as belt-and-suspenders security. **Documentation funders typically request.** - **Passport copy of foreign owner.** In addition to or instead of US driver's license. - **Proof of US entity ownership.** Operating agreement, stock certificates, or Form W-8BEN-E. - **ITIN if available.** Not required but speeds underwriting; see "ITIN-only business owner MCA." - **Proof of US business operations.** Lease, employees, US-located executives, or other substantive evidence. - **Beneficial ownership disclosure.** Required under Corporate Transparency Act (CTA) BOI filings; funders may request the BOI filing receipt. **FinCEN BOI considerations (2026).** The Corporate Transparency Act requires BOI filings disclosing beneficial owners. Foreign-owned US entities are subject to this; some funders require evidence of compliant BOI filing as part of underwriting. **Pricing.** - **Slight premium.** Typically 5–15% higher all-in cost than identically positioned US-owner deals. - **Smaller advance sizes initially.** Funders often cap first-deal foreign-owned advances at $25K–$75K to test repayment reliability before larger advances. - **Renewal benefits.** Foreign-owned merchants who pay first deals reliably can access standard pricing on renewals. **Funders that actively serve foreign-owned US businesses.** - **Stripe Capital, Shopify Capital, Square Capital.** Platform funders — most foreign-owner-friendly because underwriting is platform-data-driven. - **PayPal Working Capital.** Foreign-owner-friendly. - **Larger MCA funders (Credibly, Kapitus, Mulligan).** Generally accept with extra documentation. - **Some smaller / mid-tier funders.** Vary case-by-case. **Funders that decline.** A subset of smaller funders, particularly those focused on traditional Main-Street SMBs (restaurants, retail), simply decline foreign-owned applications. Their underwriting models and collections operations aren't built for it. **Common scenarios.** - **UK founder with Delaware C-corp doing US SaaS, $50K MRR, 18 months operating.** Easily fundable. Stripe Capital likely; mid-tier MCA funders also. - **Indian founder with Wyoming LLC doing Amazon FBA in US, $30K/month revenue, 12 months operating.** Fundable via Amazon Lending, Stripe Capital, or specialty FBA-focused lenders (Payability, SellersFunding, AccrueMe). - **Canadian founder with Delaware LLC running US ecommerce, $40K/month revenue.** Fundable; Shopify Capital, Clearco, mid-tier MCA all options. - **Chinese founder with US LLC running US distribution business, $200K/month revenue.** More cautious underwriting — funders may require US co-guarantor or US-resident director given current US-China policy environment. - **Brazilian founder with US C-corp doing fintech.** Standard foreign-owner underwriting applies. **Common confusions.** First, "I need to be a US citizen to get an MCA." False — the entity needs to be US-domiciled with US operations; owner citizenship matters only for the PG. Second, "Foreign owners always pay more." Slight premium typical (5–15%) but not catastrophic. Third, "I need an ITIN to qualify." Not required but helps — see "ITIN-only business owner MCA." Fourth, "I can use my home-country address." No — funders need a real US business address. Fifth, "FBA businesses can't get MCA." False — Amazon Lending, Payability, SellersFunding all specialize in FBA financing for foreign-owned sellers. Sixth, "All foreign-owners are equal in underwriting." Not quite — funders look at country-of-residence risk; treaty countries (UK, Canada, EU) easier than non-treaty (varies). As of 2026-06-29, Fundnode actively serves foreign-owned US businesses with US entities; we disclose the slight pricing premium and personal-guarantee documentation upfront. ## Related terms - [MCA cross-border business funding (detailed)](https://fundnode.co/llms/glossary/mca-cross-border-business-funding-detailed) — Cross-border MCA funding is structurally rare — funders fund either US-domiciled entities or country-local entities, not entities operating across borders without a clear primary jurisdiction; dual-entity setups with a US operating subsidiary are the practical workaround. - [MCA for ITIN-only business owners](https://fundnode.co/llms/glossary/mca-itin-only-business-owner-mca) — ITIN-only business owners (no SSN, but with IRS-issued Individual Taxpayer Identification Number) can get MCAs at Camino Financial, Accion Opportunity Fund, and a growing subset of general funders — pricing often slightly higher but the category is increasingly normalized as of 2026. - [MCA options for immigrant entrepreneurs](https://fundnode.co/llms/glossary/mca-immigrant-entrepreneur-mca-options) — Immigrant entrepreneurs operating US businesses qualify at most US MCA funders — the relevant factors are entity domicile (US), banking (US), revenue (US), and ID documentation (US driver's license, ITIN, passport, green card) rather than citizenship; many funders specifically serve immigrant-owned SMBs. ## Authoritative sources - [FinCEN — Beneficial Ownership Information](https://www.fincen.gov/boi) - [Mercury — Banking for foreign-owned US businesses](https://mercury.com/) --- Source: https://fundnode.co/glossary/mca-foreign-owned-us-business-mca (HTML version) Document: MCA for foreign-owned US businesses — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.