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FOR INTERNATIONAL FOUNDERS
Start your official U.S. business, with the help of ACB
We help you register your company at the state level and get your federal EIN. Then ACB stays with you from start to finish: introductions to U.S. banks, building lender relationships, and support as your business grows.
Looking for business financing? See financing topicsNo obligation. ACB is not a bank, holds no accounts and does not lend; banks and lenders make their own decisions. Forming a U.S. business does not grant immigration status or work authorization.
STARTING A U.S. BUSINESS FROM ABROAD? — Start here ›
FOR FOUNDERS, INCLUDING FOREIGN NATIONALS
Start and set up your U.S. business
Building a company in the United States, from here or from abroad? The ACB Business Suite helps founders, including international founders and non-U.S. residents, with the paperwork and introductions a new U.S. business needs.
How it works
STEP 1
Form your U.S. company
Tell us about you and your plans. We help prepare and file your LLC or corporation paperwork with the state.
STEP 2
Get your EIN
We help you apply for your company's IRS Employer Identification Number, with or without a U.S. SSN or ITIN.
STEP 3
Meet U.S. banks
We introduce you to U.S. banks and help you prepare for a business account. Each bank decides.
STEP 4
Build lender relationships
When your company is ready, we connect it with third-party lenders. Lenders make every credit decision.
Business formation
We help you prepare and file the paperwork to form an LLC or corporation in a state such as Delaware, Wyoming or Pennsylvania.
What you get
- Formation document preparation and state filing assistance
- Coordination with a registered agent in your state of formation
- Operating agreement or bylaws templates to review with your own advisor
EIN for your company
We help you apply for your company's IRS Employer Identification Number (EIN), including when the owner has no U.S. Social Security number or ITIN.
What you get
- Help preparing IRS Form SS-4
- Filing assistance using the IRS method available to you
- A checklist of records to keep once your EIN is issued
Business banking introductions
We introduce you to U.S. banks and help you prepare the documents banks commonly ask for to open a business account. Each bank makes its own decision.
What you get
- Introductions to U.S. banks
- A checklist of documents banks commonly request
- Help organizing your account-opening package
Financing readiness
Build a clear U.S. business profile so your company is ready to talk with lenders later.
What you get
- Tips for keeping business and personal finances separate
- Help organizing your formation, EIN and bank records
- A path to our financing conversations when you are ready
American Capital Bank, LLC is not a bank, law firm, CPA firm or tax advisor, and does not give legal, tax or immigration advice. Business Suite services are document preparation, filing assistance and introductions. We do not hold accounts or deposits; any bank account is opened with, and approved solely by, the bank, and approval is not guaranteed. You can also file formation documents directly with your state and apply for an EIN directly with the IRS at no cost. Forming a U.S. business does not grant immigration status or work authorization.
THE U.S. AS A BUSINESS DESTINATION
Why start in the U.S.
Practical reasons founders from around the world choose to build here.
A large, diverse market
The United States is one of the world's largest consumer and business markets, with customers in nearly every industry.
A clear legal framework
Every state has a well-documented process for forming and running LLCs and corporations, backed by established contract law and courts.
Business-friendly states
States such as Delaware and Wyoming are widely known for business-friendly company law. Your own attorney or tax advisor should confirm the right state for you.
U.S. dollar banking
A U.S. company can apply for a U.S. dollar business account with a U.S. bank. Each bank sets its own requirements and makes its own decision.
NEXT STEP
Build relationships with U.S. lenders
Once your company is formed and banked, we can connect it with third-party lenders offering industry-standard financing. Availability, amounts and terms are set by each lender.
Working capital
Cover payroll, inventory and the gaps between invoices.
Business lines of credit
Flexible access to funds you draw as you need them.
Equipment financing
Vehicles, machinery, kitchen and shop equipment, and technology.
SBA-style term loans
Longer-term financing for larger business needs.
Commercial real estate
Buying, refinancing or renovating owner-occupied or investment property.
Expansion and acquisition
New locations, hiring, renovations or buying an existing business.
For small and mid-sized U.S. businesses, including:
How financing conversations work
Tell us what your company needs
Get your documents organized
Meet lenders and decide
You review each lender's terms in writing before you decide.
Request a conversationWhy work with us
Plain-English guidance
We explain how business financing works, what the costs mean and what to ask before you sign anything.
Prepared, not pressured
We help you get your information in order first, so you walk into every lender conversation ready.
You stay in control
There is no obligation. You see each lender's full terms in writing before you decide.
Your information, handled with care
Our request form never asks for Social Security numbers, bank passwords or ID documents. See our Privacy Policy.
Before you talk to a lender
A few basics that help any financing conversation go better.
5 questions to ask before you sign
- •What is the total cost, including fees?
- •How and when do I repay?
- •Is there a prepayment penalty?
- •What happens if I miss a payment?
- •Is a personal guarantee required?
What lenders commonly ask for
- •Recent business bank statements
- •Business and personal tax returns
- •Business registration documents
- •A short note on how you'll use the funds
Exact requirements vary by lender and product.
Plan your cash flow 13 weeks out
List the money you expect in and out each week for the next 13 weeks. The weeks where more goes out than comes in are where you plan ahead.
Common questions
No. American Capital Bank is not a bank. We don't take deposits, nothing we offer is FDIC-insured, and we don't lend money. We connect businesses with third-party lenders.
Ready to start your U.S. business?
Tell us about you and your plans. Someone from our team will follow up by email or phone.
or email lending@americancapital-bank.comAmerican Capital Bank, LLC is not a bank, is not FDIC-insured, does not take deposits and does not lend. We connect businesses with third-party lenders. All financing is provided by, and subject to review and approval by, the lender. Rates, terms, costs and availability are set by each lender and depend on your business and the product. Listing a financing type does not mean it is available to you.