• Business Loans for Immigrants

    Facing financial challenges in the US as an immigrant? Camino Financial is here to help. We understand the unique financial hurdles of establishing a new life abroad. That's why we offer specialized loans for immigrants tailored to support your aspirations and goals. Explore how our tailored lending solutions, known for their flexibility, accessibility, and empathy, can help you smoothly navigate your transition and bring your dreams to fruition in your new home.
    A smiling businessman at a laptop in a modern office, possibly reviewing successful loan options.
  • Can Immigrant Business Owners Get Commercial Loans in The US?

    YES! Immigrant business owners in the United States can obtain business loans, provided they have become US citizens or possess a Social Security Number (SSN). This eligibility enables them to access various financing options available to US business owners, including Camino Financial loans.

  • Our Business Loans for Immigrants

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why Apply With Us

    At Camino Financial, we're changing the immigrant loan experience with a simple application process. Our loans are accessible to immigrant-owned businesses that have an SSN. At Camino Financial, we are truly committed to empowering your dreams and helping you secure a brighter future for your business.
    Confident entrepreneur in office, poised for financial growth.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Minimum credit score of 670

    Business in operation for a minimum of 12 months

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries and states

  • Compare Commercial Financing Options

    AmountLoan Payback PeriodMinimum Score1Min. Time in BusinessMin. Annual IncomeCollateral needed?
    Camino Financial$10,000 - $50,00024 months67012 months$ 30,000NO
    Other Business Term Loans*$10,000 - $30,0003 - 36 months6802 years$ 200,000YES
    Line of Credit*$10,000 - $1MVaries6301 year$ 180,000YES
    Merchant Cash Advance*Up to $500,0003 - 12 monthsN/A1 year$50,000NO
    Invoice Financing*Up to 90% of the invoice valueVaries5001 year$ 130,000YES
  • Benefits of Camino Financial’s Immigrant Loans

    ● A 100% online application process for your convenience ● Competitive interest rates with fixed terms ● A strong commitment to safeguarding your information and privacy ● No extra charges for paying off your loan early ● A dedicated and exceptional customer support team at your disposal ● Clear and upfront processing fees, no hidden costs
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
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  • Read What Our Customers Think

    Join 9,000+ people choosing Camino Financial

  • Camino Financial, a Beacon in the Immigrant Community

    At Camino Financial, we take pride in our longstanding commitment to empowering immigrant entrepreneurs. Recognizing the unique challenges faced by this community, we've dedicated ourselves to providing accessible business loans to those who have obtained a Social Security Number (SSN).


    We have a rich history of supporting immigrant entrepreneurs, that's why we understand the unique challenges faced by those looking to build a dream in a new country.


    To ensure that every applicant receives the personalized guidance and support they need, in the language they are most comfortable with, we boast a bilingual team fluent in both Spanish and English.

  • Discover Camino Financial's Convenient Loan Management

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply With Camino Financial

  • FAQs

    Immigrant loans are financial products designed to assist individuals who have recently immigrated to a new country. These loans are tailored to address the unique financial challenges faced by newcomers, helping them establish themselves and pursue their goals in their adopted homeland.

    Immigrant loans are typically available to individuals who have recently immigrated to a new country and may not have an extensive credit history or established financial background. Eligibility criteria may vary depending on the lender, but most lenders require that applicants have an SSN.

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Have a Social Security Number (ITIN is not accepted).

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

  • Keep Reading

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    How To Get Financing For Non-US Citizens

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    How to Begin Investing as an Immigrant

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    Do Undocumented Immigrants Pay State and Federal Income Taxes?

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  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props. *Other loan options are reviewed on a quarterly basis

  • Stay connected

    Join a community of over 40,000 micro-entrepreneurs for access to informative resources, helpful tips, and best practices on growing your business

  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare
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11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231