# MCA for ITIN-only business owners > 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. An Individual Taxpayer Identification Number (ITIN) is a nine-digit IRS-issued ID for individuals who are required to have a US taxpayer ID but are not eligible for an SSN — typically resident and non-resident aliens, undocumented immigrants working legally for tax purposes, foreign nationals with US tax obligations, and certain dependents. For business owners, ITIN-only status was historically a major credit barrier. As of 2026, the situation has improved significantly but is still narrower than SSN-based credit. **Why ITIN-only owners had trouble historically.** - **Credit bureau scoring.** Traditional consumer credit scores require SSN-linked tradelines. ITIN-linked accounts exist but populate fewer bureaus and are less universally accepted. - **Personal guarantee verification.** PG enforcement is harder when the principal cannot be uniquely identified by SSN. - **OFAC and BSA screening.** ITINs are easier to spoof historically; modern underwriting addresses this with biometric ID verification. - **Funder unfamiliarity.** Many MCA funders simply hadn't built ITIN-aware underwriting. **Why ITIN underwriting has improved.** - **CDFI growth.** Camino, Accion, Grameen, Mission Asset Fund built ITIN-focused underwriting and proved the segment is profitable. - **Alternative credit data.** Plaid, Experian Boost, FICO XD, and Nova Credit (international credit translation) provide credit signal beyond traditional SSN-tradeline scoring. - **Bank-statement-based underwriting.** MCAs underwrite on revenue patterns, not personal credit primarily — making the SSN-vs-ITIN distinction less central. - **Latino-market focus.** A major SMB growth segment; funders have built capacity to serve it. **Funders that explicitly accept ITIN.** - **Camino Financial.** The most ITIN-friendly major lender. Specifically markets to ITIN-only entrepreneurs. Spanish-language documentation. Term loans and MCA-like products. - **Accion Opportunity Fund.** CDFI; ITIN-accepting; lower factor rates than typical MCA. - **Grameen America.** Microfinance; ITIN-friendly; serves immigrant women. - **Kiva US.** Crowdfunded loans; ITIN accepted. - **Mission Asset Fund.** Lending circles for ITIN-only entrepreneurs. - **Stripe Capital.** Increasingly ITIN-accepting when the business is on Stripe. - **Square Capital.** Some flexibility for ITIN-only Square merchants. **Funders that may accept ITIN with additional documentation.** - **Credibly.** Case-by-case. - **Kapitus.** Case-by-case. - **A subset of mid-tier MCA funders.** Varies by underwriter discretion. **Funders that decline ITIN.** Many smaller and traditional MCA funders still require SSN. Easier to ask upfront. **Documentation typically required.** - **ITIN letter from IRS.** The original assignment letter (CP565 notice) or a verified copy. - **W-7 form receipt.** If recent ITIN issuance. - **Government-issued photo ID.** Passport, foreign-government national ID, US state ID (some states issue to ITIN holders). - **Proof of address.** Utility bills, lease. - **Personal tax returns.** Filed using ITIN (Forms 1040 with ITIN in place of SSN). - **Business tax returns.** Schedule C, 1120, 1120-S, 1065 as applicable. - **Bank statements.** Personal and business. **Pricing for ITIN-only deals.** - **Camino / Accion.** Often lower than typical MCA — these are mission-driven CDFIs. APR-equivalent 15–35%. - **General funders.** Slight premium over SSN-equivalent — typically 5–10% higher factor rate (1.32 vs 1.27). - **Approval rates.** Lower than SSN-equivalent at general funders; comparable at ITIN-focused funders. **Common ITIN-only merchant scenarios.** - **Mexican-immigrant restaurant owner in Los Angeles, ITIN-only, $35K/month revenue, 4 years operating.** Camino, Accion, sometimes general MCA funders. $20K–$50K advance. - **Honduran-immigrant landscaping owner in Atlanta, ITIN-only, $20K/month revenue, 2 years operating.** Camino or Accion most likely; general MCA narrow. - **Colombian-immigrant ecommerce seller, ITIN-only, $15K/month Shopify revenue, 1 year operating.** Shopify Capital may work if revenue is on platform; Camino as backup. - **Salvadoran-immigrant convenience store owner in DC, ITIN-only, $50K/month revenue, 6 years operating.** Multiple options; Camino and general MCA funders both possible. **Building credit with an ITIN.** - **ITIN-linked tradelines.** Some lenders (Capital One Spark, Cabela's Club, some local credit unions) report to bureaus with ITIN. - **Self Financial, Kovo, MoneyLion.** Credit-builder products for ITIN holders. - **Secured credit cards.** Available at some banks for ITIN holders. - **Authorized-user tradelines.** A US-citizen family member adding the ITIN holder as authorized user on their cards. **Common confusions.** First, "ITIN-only owners can never get business credit." False — increasingly false; many paths exist. Second, "ITIN means undocumented." Not necessarily — ITIN is issued to many lawfully-present individuals who don't qualify for SSN. Third, "ITIN owners pay double for MCA." False — slight premium, not double. Fourth, "ITIN underwriting is faster." Usually slower at general funders (more documentation review); comparable speed at ITIN-focused funders. Fifth, "Building credit with ITIN is impossible." False — slower than SSN path but viable. As of 2026-06-29, Fundnode actively serves ITIN-only entrepreneurs and routes them to Camino or Accion as primary options, with general funders as backup. ## Related terms - [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. - [MCA options for undocumented business owners](https://fundnode.co/llms/glossary/mca-undocumented-business-owner-options) — Undocumented business owners face the narrowest US financing path — most general MCA funders decline due to PG enforceability concerns; CDFI options (Accion, Grameen, Mission Asset Fund) and some Camino products fund undocumented entrepreneurs with ITIN, but pricing is mixed and pure-MCA structure is rare. This page is informational and not legal or immigration advice. - [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. ## Authoritative sources - [IRS — ITIN information](https://www.irs.gov/individuals/individual-taxpayer-identification-number) - [Camino Financial](https://www.caminofinancial.com/) --- Source: https://fundnode.co/glossary/mca-itin-only-business-owner-mca (HTML version) Document: MCA for ITIN-only business owners — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.