Cross-border operators get sold the wrong product because two clocks collide. A U.S. rental or a U.S. company needs cash here, on this calendar. Income, banking, and identity documents live somewhere else. Wires take days. Seasoning takes longer. A seller will not hold a contract while a foreign bank writes a letter.
Jaken Finance Group already originates the property side of that story: foreign national DSCR loans (no U.S. credit, SSN, or U.S. tax returns required on that program) and ITIN DSCR loans. Those are 5.75%–10.5% rental mortgages qualified on rent, with higher down payments — often 25%–35% on foreign national files.
This page is not a published “international unsecured program.” Preferred Funding Group may pre-qualify a business-purpose unsecured term loan of $50,000–$500,000 on 3, 5, or 7 years, often in 3–10 business days, illustration rates approx. 6%–18%. Who qualifies is quoted per file. This site does not publish a citizenship floor, a visa list, or an ITIN rule for the unsecured note. If someone told you “foreign nationals always qualify,” that is not a fact we will print.
Pre-qualify (quoted per file) →
Route the file before you mix products
| Your situation | First page |
|---|---|
| Non-citizen buying a U.S. rental, live abroad | Foreign national DSCR |
| File U.S. taxes on an ITIN, buying a rental | ITIN DSCR |
| Equity gap / reserves on that purchase | Down payment funding and the calculator below — if the unsecured file clears |
| U.S. operating company needs payroll or MCA payoff | Unsecured term loans / MCA refinance — still per file |
| House you will live in | Stop. Wrong product. Consumer lender. |
Unsecured capital does not replace a DSCR loan. Rent still has to cover PITIA. The personal installment is extra and does not appear in DSCR.
Model a down-payment-shaped note — then remember it may decline
The CRE down payment preset is the honest illustration for this audience: $100,000 over 5 years at 11%, about $2,174 a month. Foreign national DSCR often wants more cash at the table than a domestic 75% LTV file. That $2,174 is your problem, not the tenant’s.
Unsecured term loan calculator
Model a 50,000–500,000 business-purpose term loan on a 3, 5, or 7-year amortizing schedule. Compare the payment to a merchant cash advance. Results are estimates — not a loan offer. Pricing is quoted per file by Preferred Funding Group.
Monthly payment
—
Fully amortizing
Total interest
—
Over the full term
Total repaid
—
Principal + interest
Effective cost
—
Interest ÷ principal
Program checklist
Term loan vs merchant cash advance
| Term loan | MCA | |
|---|---|---|
| Amount funded | — | — |
| Estimated monthly outflow | — | — |
| Total extra cost | — | — |
If the unsecured pre-qual declines, the property loan can still close if you wire seasoned funds. Do not underwrite a purchase that only works if this referral says yes.
Tool-only page: unsecured term loan calculator.
The upside of financing when the money is not in a U.S. account yet
1. Wires and seasoning eat contracts. Foreign national DSCR already expects funds in a U.S. account with a paper trail. A seller on a seven-day close does not care that your home-country bank batch-processes international wires on Tuesdays. A 3–10 day unsecured decision — if the file is eligible — is a timing tool, not a citizenship product. If you are not eligible, the honest move is a longer escrow, not a fake pre-qual.
2. You keep the rental qualified on rent. Pulling a consumer mortgage mindset (“DTI on foreign income”) onto a U.S. investment property is how files stall. DSCR ignores W-2s. Unsecured underwriting does look at personal returns and a FICO 8. Run both calculators. Do not pretend they are one ratio.
3. FX moves while you wait. Sitting in a foreign currency for 90 days of SBA or conventional underwriting is a different bet than a 3–10 day close. That is still not a reason to invent eligibility. It is a reason to know the cost of delay if you do clear.
4. Operating a U.S. LLC from abroad is a cash-flow job. Payroll, insurance, and a property manager do not pause because you are in another time zone. An amortizing note with a known payment is easier to manage than a merchant cash advance drafting a U.S. operating account you barely watch. Read the FTC notes before you stack an MCA because “international banks are slow.”
5. Property products already exist. You do not need this referral to buy a U.S. rental. You need a foreign national or ITIN DSCR file, proof of funds, and an LLC. Unsecured is optional equity or working capital on top, when quoted.
The upside is optional speed on a business-purpose check. The constraint is we will not guess your eligibility in public.
What we will not claim on this page
- That every foreign national qualifies for unsecured term money
- That an ITIN is sufficient, or that an SSN is required, for the referral product
- That overseas income is treated like a U.S. W-2
- That this note can be used for a primary residence
- That Jaken Finance Group originates the unsecured loan
- A published FICO floor
The application still asks for two years of tax returns and a FICO 8. If you cannot produce those, the file may not fit. That is an underwriting fact, not a marketing line.
Worked example: London-based buyer, Florida duplex
Purchase $480,000. Foreign national DSCR at 70% LTV = $336,000 loan, $144,000 down plus closing. Buyer has $50,000 already seasoned in a U.S. LLC account. Remainder is in GBP.
If unsecured pre-qual clears $100,000, the payment at an illustrative 11% over 5 years is about $2,174. The duplex must still clear DSCR on the $336,000 property loan alone. The $2,174 comes from other income or other rentals. If unsecured declines, the buyer either wires and seasons the rest or loses the contract. Model both outcomes before you go under contract on a short close.
Use the DSCR calculator next to this one.
Worked example: U.S. operator, foreign supply chain, MCA bleed
A U.S. importer with overseas suppliers took an MCA when a container was stuck. Drafts are wrecking the operating account. The company is domestic; the friction is international logistics. That file is an MCA refinance, not a “foreign national” story. Citizenship was never the issue. Cash conversion was.
Unsecured term loan payment vs merchant cash advance. Estimates only — not a loan offer.
Monthly payment
—
Fully amortizing
Total interest
—
Over the full term
Total repaid
—
Principal + interest
Effective cost
—
Interest ÷ principal
Program checklist
Term loan vs merchant cash advance
| Term loan | MCA | |
|---|---|---|
| Amount funded | — | — |
| Estimated monthly outflow | — | — |
| Total extra cost | — | — |
Property vs personal — keep the docs in two folders
Property file (Jaken Finance Group): passport / visa as applicable, U.S. LLC, proof of funds, rent roll, appraisal path. See the foreign national and ITIN pages for the lists those programs actually use.
Unsecured file (Preferred Funding Group): tax returns, FICO 8, use of funds. No published addendum on this site for apostilles, translations, or which country’s returns count. The partner will tell you what they need on that file.
SBA 7(a) has its own ownership rules (the startup page notes a U.S. citizen/national residency requirement as of March 1, 2026). Do not copy SBA eligibility onto this unsecured product, and do not copy this product onto SBA.
Proof of funds is not the same as an unsecured approval
Proof of funds letters help you win a contract. They do not pay the down payment. Foreign national buyers sometimes treat a POF as if the equity were already in the U.S. LLC. It is not. Seasoning, wire cut-off times, and currency conversion still sit between you and closing. Unsecured term money, if quoted, is one way to source a piece of that equity on a business-purpose basis. A longer escrow and a completed wire is the way that does not depend on a referral decision. Choose before you go hard on a seven-day close.
Servicing the note from another time zone is a practical issue, not a credit score. Autopay from a U.S. operating account you actually watch beats a manual wire you remember on the wrong calendar. That is true whether the unsecured file clears or you only carry the DSCR payment.
Hard money and bridge on U.S. investment property still close in 7–10 business days on complete files at 8.99%–13.5% — that clock is often faster than an international wire. If the asset is a flip or a bridge, start with what kind of loan do you need rather than stretching unsecured capital across a rehab budget. Unsecured equity on a flip is down payment funding, and it still has to be a business purpose the partner will accept.
How to apply
- Decide whether you are financing a U.S. building or personal business-purpose cash. If a building, start foreign national DSCR, ITIN DSCR, or what kind of loan do you need.
- If you still have an equity or working-capital gap, run the calculator. Assume the unsecured piece can decline.
- Submit the unsecured financing form.
- Questions on the property loan: (833) 264-7776.
Pre-qualify unsecured (per file) · Foreign national DSCR · ITIN DSCR · (833) 264-7776
Sources
- SBA — loan programs
- CFPB — Ability-to-Repay and Qualified Mortgage standards
- FTC — small business financing staff perspective
Calculator outputs are estimates, not an eligibility decision. Unsecured approval, identity-document rules, and rate are quoted per file by Preferred Funding Group; this page does not publish a citizenship or ITIN menu for that product. Jaken Finance Group originates non-owner-occupied U.S. investment property loans, including foreign national and ITIN DSCR. Unsecured term-loan pre-qualification is a referral. Business-purpose only.