No US credit score. No SSN required. ITIN and passport-based programs for international investors. Anchor Commercial Capital funds foreign national CRE loans from $250K to $50M+ nationwide, with up to 70% LTV and foreign bank statements accepted.
International investors and non-US citizens seeking commercial real estate financing in the United States.
First-time or experienced international investors acquiring or refinancing commercial property in the US — without a Social Security Number or US credit history.
US expats or dual citizens returning to invest in American commercial real estate after years abroad with limited recent US financial history.
Foreign developers expanding into US markets who need construction or bridge financing without the typical US banking relationships.
Borrowers from countries with no US tax treaties who face extra hurdles at conventional banks. We evaluate the property and your global profile.
Three steps. We handle the complexity of international lending.
Send us the property information along with your passport, ITIN (if available), and foreign bank statements. We accept documentation from international institutions.
We underwrite the commercial property’s value and income alongside your international financial profile and real estate experience — no US credit score needed.
Once terms are agreed, we coordinate closing including international wire transfers. Most foreign national loans close in 14–21 days.
A Brazilian investor relocating to Miami identified a $3.8M mixed-use property as his first US acquisition. He had no Social Security Number, no US credit history, and no domestic banking relationships.
Multiple US banks declined the deal outright. One lender offered financing — but at 50% LTV with a 14% rate, making the deal economically unviable. The investor was stuck between a property he wanted and a lending market that wouldn’t serve him.
Anchor accepted his ITIN and Brazilian bank statements, evaluated the property on its merits, and structured a $2.66M loan at 70% LTV and 9.5%. We closed in 15 days. The investor is now acquiring his second US property.
“Banks in the US wouldn’t even talk to me without an SSN. One offered 50% LTV at 14%. Anchor gave me 70% LTV at 9.5% using my ITIN and Brazilian bank statements. Closed in 15 days.”
— Brazilian Investor, Miami Mixed-Use Acquisition
Financing structured for international investors acquiring US commercial real estate.
Yes. We offer programs for foreign nationals using ITIN (Individual Taxpayer Identification Number) or passport-based identification. No Social Security Number is required. We evaluate the property and your international financial profile.
No. Most foreign nationals have no US credit score, and that’s fine. We underwrite based on the commercial property’s value and income, your international banking history, and your real estate experience — not a US FICO score.
Typically: valid passport, ITIN (if available), foreign bank statements (6–12 months), property details and financials, and proof of funds for down payment. We accept bank statements from international institutions in most countries.
We lend up to 70% LTV for qualified foreign national borrowers. This is significantly higher than the 50–55% LTV most US lenders offer to non-US citizens. LTV is based on the property’s appraised or stabilized value.
We work with investors from virtually any country. We have extensive experience with borrowers from Brazil, Canada, the UK, Germany, France, Mexico, Colombia, China, India, and many other nations. No US tax treaty is required.
Most foreign national loans close in 14–21 days. We issue term sheets within 24–48 hours. International wire transfers and document translation may add a few days, but we coordinate the entire process to minimize delays.
Share your property details and we’ll send a term sheet — typically within 24–48 hours. No obligation, no application fee. We speak your language when it comes to international lending.
All fields are confidential. Direct response within one business day.
Anchor Commercial Capital offers 14 specialized lending programs for commercial real estate investors.
Submit your deal for review and receive a term sheet within 24–48 hours.
No SSN. No US credit. No obligation.
