# MCA international business funding eligibility > US MCA funders almost exclusively fund US-domiciled businesses with a US EIN, US business bank account, and US-based merchant processing — international (non-US) businesses are categorically ineligible at 95%+ of US funders as of 2026-06-29. Merchant cash advance (MCA) eligibility for international businesses is one of the most misunderstood corners of the MCA market. The short version: US-based MCA funders do not fund non-US businesses, full stop, except in a small handful of carve-outs for US territories and dual-domiciled entities. **The core eligibility gate.** US MCA funders universally require: - **US federal Employer Identification Number (EIN).** Issued by the IRS to a US-registered business entity. - **US business bank account.** Domestic ACH-debitable, typically at a federally insured US bank. - **US-based merchant processor.** Stripe US, Square US, Clover, Authorize.net, Heartland, etc. Non-US Stripe accounts (Stripe Canada, Stripe UK) do not qualify. - **US business address.** Registered with the secretary of state in one of the 50 states or DC. - **US revenue.** Bank statements showing receipts deposited into a US account. A business that lacks any one of these is structurally ineligible — not "harder to fund," but un-fundable through the standard US MCA channel. **Why the structural ineligibility exists.** - **Receivables purchase legal structure.** An MCA is a sale of future receivables, governed by US commercial law (UCC Article 9 in most states). Foreign receivables fall outside that framework, making enforcement uncertain. - **ACH debit mechanics.** Daily/weekly repayment relies on the NACHA ACH network, which is US-only. SEPA, BACS, Interac, and other non-US payment rails are not interoperable. - **UCC filings.** Funders perfect their interest in receivables via UCC-1 filings with US secretaries of state. No equivalent exists for non-US business entities. - **Confession of judgment (COJ).** Historically used as enforcement; only works against US-domiciled defendants in US courts. - **Bank Secrecy Act and AML.** Funders avoid non-US business banking relationships due to KYC and FinCEN compliance overhead. **What "international business" actually means in MCA underwriting.** Funders care about three separate dimensions: 1. **Business domicile.** Where the entity is legally registered. 2. **Owner citizenship and residency.** Where the controlling owner is a citizen and resident. 3. **Revenue source.** Where customers pay from and where deposits land. A Canadian-domiciled corporation owned by a Canadian citizen with Canadian revenue is fully ineligible at US funders. A US Delaware C-corp owned by a non-US founder with US revenue may still qualify (see "foreign-owned US business MCA"). **The narrow carve-outs.** - **US territories.** Puerto Rico, US Virgin Islands, and Guam businesses qualify at a small subset of funders because they share the US federal EIN system, IRS oversight, and dollar-denominated banking. Most funders still decline due to operational complexity. - **US-domiciled entity with non-US ownership.** A Delaware LLC owned by foreign principals can qualify if the entity itself meets US criteria. The owner's citizenship affects the personal guarantee, not the entity eligibility. - **Cross-border revenue.** A US business selling internationally is fine — the revenue lands in a US account. **Country-specific funding options outside the US MCA channel.** For genuinely non-US businesses, the alternatives are: - **Canada.** Merchant Growth, OnDeck Canada, iCapital, Driven, Clearco. Canadian-domiciled funders operating under provincial laws. - **UK.** Liberis, YouLend, 365 Business Finance, Capify. Revenue-based finance under UK FCA rules. - **EU.** Silvr, Wayflyer, Uncapped (for ecommerce). EU/UK domiciled revenue-finance providers. - **Mexico, LATAM.** Konfio, Clip, R2 Capital. Local players; very different pricing and structure. - **Australia.** Prospa, Lumi, Moula. Local MCA-like products. **Common confusions.** First, "I have a US Stripe account, so I am US-eligible." Incorrect — funders look at business entity registration, not the merchant processor. Second, "My LLC is in Delaware, so I qualify." Necessary but not sufficient — you also need US banking, US ACH-debitable cash flow, and a US address. Third, "I have an ITIN, so my business is fundable." The ITIN affects the personal guarantee path, not the entity eligibility (see "ITIN-only business owner MCA"). Fourth, "Non-US businesses can get funded if they pay more." False — it is a structural compliance issue, not a pricing question. No factor rate makes the deal work. Fifth, "Cross-border ecommerce qualifies." Only if the entity, banking, and processor are all US-based. Selling internationally from a US business is fine. As of 2026-06-29, Fundnode declines international (non-US-domiciled) businesses at intake because there is no US MCA path for them; we direct them to country-appropriate revenue-finance providers. ## Related terms - [MCA options for non-US businesses](https://fundnode.co/llms/glossary/mca-non-us-business-options) — Non-US businesses cannot access US MCA funders but have country-specific revenue-finance equivalents — Merchant Growth in Canada, Liberis/YouLend in UK, Wayflyer/Silvr/Uncapped in EU, Konfio in Mexico, Prospa in Australia — with different pricing, structure, and regulatory framing. - [MCA for foreign-owned US businesses](https://fundnode.co/llms/glossary/mca-foreign-owned-us-business-mca) — 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. - [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. ## Authoritative sources - [IRS — Apply for an EIN](https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online) - [NACHA — ACH Network Rules](https://www.nacha.org/) --- Source: https://fundnode.co/glossary/mca-international-business-funding-eligibility (HTML version) Document: MCA international business funding eligibility — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.