We are all about helping you find the right business loan for your small business, no matter where you come from or your immigration status. We’re here to help you understand all your funding options and find the ITIN loan that can help your small business.
Learn if you qualify for an ITIN loan with our online pre-approval. We just need basic information about you and your business. No social security number required!. You’ll know if you are pre-approved in less than 24 hours. We will guide you through the whole process.
Get Matched With the Best ITIN Loan For Your Business
You can upload your small business documents and financial records or submit them to your business loan specialist. The process is easy and secure! We’ll review your business profile and match you with the ITIN loan that best fits your needs.
Receive an Offer and Get Funded Within Days
Get ready to invest in your small business! Your business loan specialist will contact you to make you an ITIN loan offer. You just need to sign the loan agreement to receive your funds in a matter of days directly into your bank account.
1 The loan terms are figures shown in calculation results are example figures and subject to final lender approval.
2 Represents total cost of the loan including Total Interest Paid, Closing Fee, Documentation Fee, and Funding Fee.
3 Assumes 4.99% closing fee against the approved loan amount. Closing fees may vary between 4.99% and 6.99%.
Our monthly interest rates vary from 1.0% to 3.5%. Camino Financial term loans are fully amortized through monthly installments over 18 to 60 Months.
Camino Financial makes paying for your small business loan easy! We have simple monthly payments with no prepayment penalties or hidden fees.
Link Your Bank Account and Let Us Do the Rest
We know how busy life gets as a small business owner. That is why we take care of scheduling the business loan payments for you, so you can get back to running your business!
Criteria more flexible than a bank
Qualify for an ITIN Loan
Because we understand you, we created flexible requirements that are easier to meet than the ones banks have. You can be approved with no SSN! Our terms are based primarily on your small business’ cash flow.
To qualify for an ITIN loan, you need to have been operating for at least 9 months, earn $30,000 minimum in annual sales, and be up-to-date with outstanding credit obligations.
ITIN Loans Means No SSN Needed
Many lenders will ask for your SSN to approve your small business loan. But Camino Financial is different. You will be able to apply even if you only have an ITIN number.
No Credit History and Bad Credit… Approved!
Our lending process is easy. You don’t need a credit history or good credit score to qualify. We just ask you to be current with outstanding credit obligations and don’t have bankruptcies in the last 24 months.
Camino is always here to help you
We’re devoted to never leave a small business behind
We founded Camino Financial to offer simple and affordable loans to immigrant businesses who find it difficult to get the capital they need with banks. We serve:
Getting To Know You and Your Small Business Our online application is quick and easy; just answer some simple questions about your small business. You’ll know if you prequalify for a Camino Financial small business loan instantly!
Review Your Options With A Small Business Loan Specialist We want to know your business, not just the numbers. Tell us your story and help us understand your needs. We’ll clarify any questions you may have and explain the small business loan process and your funding options.
Submit Basic Financial Records We want to offer you the ITIN loan that best fits your needs. That’s why we need some basic information. The process of uploading your financial statements is safe and straightforward!
Accept Final Offer and Business Loan Terms We’ll carefully review your ITIN loan application. Then, your loan specialist will present a final offer with your business loan terms. Sign it, and get ready to receive your capital!
Receive Funding You’ll receive your funds directly into your bank account. Now you can start investing in your small business.
We understand small businesses. We know the problems and needs you have, especially as an immigrant. We know that your status should not affect your financing opportunities. For us, you are not just a number; you are part of our familia. We’ll not only be your lenders but your financial partners!
Of course! Camino Financial understands that capital is crucial to help your small business succeed. That’s why we don’t factor in your immigration status when approving your loan. You are hard-working and very passionate, and that’s what matters to us. With us, you only need an ITIN to receive a small business loan. Continue reading Can I Get Credit Only with an ITIN?
Yes, you can! We don’t need you to have a minimum FICO score or previous credit history to be approved for a loan. Many Latino business owners haven’t had the time to build a healthy credit history, but that doesn’t mean they shouldn’t be able to access the capital they need for their small business. And if you have bad credit history, we just ask you to be current with outstanding credit obligations and don’t have bankruptcies in the last 24 months.
We know how important it is to have a strong credit score. That’s why, with us, you can make sure your credit score won’t take a drop! Other lenders review your credit history with a “hard pull,” which stays on your record and affects your credit score. But at Camino Financial, we do a “soft inquiry,” which doesn’t affect your credit.
Yes, at Camino Financial, we make sure that your sensitive information and documents remain safe and private. We use the same technology that banks use. Your finances and your personal information will always remain safe at Camino Financial.
Fund your Business now
We are dedicated to helping minority business succeed. We believe access to capital is one of the greatest challenges for minority businesses.
Join a community of over 40,000 micro entrepreneurs with informative resources, interesting tips and best practices on how to grow your business.
Camino Financial’s purpose is to invest in opportunity, believe in ideas and back minority-owned small businesses. By unlocking capital for these underserved micro entrepreneurs, we enable economic growth within overlooked American communities.