You formed a Delaware or Wyoming LLC through Stripe Atlas or Doola. You have the EIN. Now comes the hard part: building a US business credit profile that unlocks Amazon Lending, Shopify Capital, Stripe Capital, and real US payment rails, from abroad, with no SSN or ITIN.
Formation services get you the LLC and the EIN, then leave you stuck. No SSN means US banks hesitate, credit bureaus have nothing to report, and lenders like Amazon, Shopify, and Stripe Capital see an empty business identity. OneCo walks you through building a real US credit profile using only what a non-resident founder has: the EIN.
Every step works with just your EIN. SSN-free vendor accounts, EIN-only tradelines, and banking partners that welcome non-residents.
Amazon Lending, Shopify Capital, Stripe Capital all check business credit. Strong profile = approval, no matter where you live.
Proper US business banking, Mercury-alternative accounts, and eventually business credit cards, all tied to the LLC's US identity.
Stripe Atlas and Doola get you an LLC. OneCo gets you the credit profile that makes it work.
Amazon's capital program checks D&B and Experian Business. Build the profile before you need the loan.
Both platforms review business credit for larger advances. The stronger the profile, the bigger the offer.
Banking partners that accept non-resident EINs and actually report to US bureaus.
US wholesalers that extend terms to non-resident LLCs with a real business profile.
Delaware or Wyoming LLC, EIN issued, US registered agent in place.
Register with D&B, Experian Business, Equifax Business, fully online, no SSN needed.
EIN-only vendor accounts and net-30 suppliers that report to US bureaus.
Amazon Lending, Shopify Capital, Stripe Capital, all approving on business history alone.
See exactly what changes when your business has an established credit profile.
Not gurus. Not influencers. Just people who did the work.
“I built my LLC through Stripe Atlas but had zero US credit. OneCo got me to a Paydex 80 in 7 months, and Amazon Lending approved $45K.”
Oluwaseun A.
Amazon FBA, $240K/yr · Lagos, Nigeria
“Every platform wanted US credit I didn't have. OneCo mapped out every SSN-free account. I'm at 8 tradelines now.”
Rajesh P.
Shopify e-comm, $180K/yr · Mumbai, India
“Stripe Capital extended my business a $22K advance because the profile was already established. Game changer.”
Lucas F.
SaaS LLC · São Paulo, Brazil
Start building today. It's free to get your foundation set up.