Grow with Camino

3 Easy Steps to obtain your ITIN Loan

  • Simple and Easy Online Pre-Approval

    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.
Calculate your monthly payment

How much is a Small Business Loan

What is your desired loan amount?


Select from 18 to 60 monthly payments

36 months

Select your approximate interest rate


Monthly Payment1$1,388.05
Total Cost of the Loan2$18,346.66
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It’s free and won’t impact your credit score
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%.

Interest Rates

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.

Making Payments

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.

  • ITIN loans

    Minimum Requirements

    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

    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.
  • ITIN loans

    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:
  • Cash-heavy businesses
  • Undocumented applicants
  • Self-employed & sole props
  • Owners with no credit history
ITIN loans

Frequently Asked Questions

  1. How to get an ITIN loan?

    1. 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!
    2. 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.
    3. 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!
    4. 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!
    5. Receive Funding You’ll receive your funds directly into your bank account. Now you can start investing in your small business.
  2. What are the requirements?

    To get an ITIN loan with Camino Financial, you must meet the following requirements:
    1. Your business needs to be in operation for at least 9 months
    2. Earn $30,000 in annual gross sales (or $2,500 monthly)
    3. Have an ITIN (Individual Taxpayer Identification Number) or an SSN
    4. Own at least 50% of the business
    5. Be located in the US (except New Jersey, Hawaii, and Puerto Rico)
    6. No bankruptcies in the last 24 months
    7. Current with outstanding credit obligations
    You can be approved even with no credit history and bad credit! Keep reading Why Camino Financial Has Fewer Business Loan Requirements Than Other Lenders?
  3. What type of small business loan does CF offer?

    Camino Financial offers unsecured term loans at fixed interest rates and flexible requirements to finance your business needs. We approve undocumented businesses with no SNN; you only need an ITIN.
  4. Why should I apply for an ITIN loan with CF?

    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!
  5. Can I get a small business loan if I only have an ITIN?

    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?
  6. Can I apply for an ITIN loan with no credit history and bad credit?

    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.
  7. Does the Camino Financial application really doesn’t affect my credit score?

    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.
  8. Do I need to put up collateral to apply for an ITIN loan?

    No. With Camino Financial, you don’t need to risk your assets, like vehicles, equipment, etc. Out ITIN loans are unsecured. This means we don’t ask for collateral to secure your loan.
  9. What are your interest rates?

    For our small business loans, the annual interest rates range from 12.00% to 24.75%. For our microloans, from 19.0% to 34.0%.
  10. Is the lending process safe?

    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.