How it works
The base a banker can say yes to.
We build a non-US founder the identity, structure, presence and banking relationships that let an American bank underwrite them.
The base
We don't sell credit cards. We build the base that earns them.
Five layers, built bottom-up. Each one is only possible because of the one under it. The card is the last step, and it proves the rest was built right.
Layer 01
Identity · ITIN
The ITIN is the number the IRS issues so a non-US person can be identified in the system. Nothing else can be built until it exists.
We prepare and file it for you, so the first layer is in place before anything is built on it.
It puts you on the map. It doesn't make anyone say yes on its own.
Layer 02
Structure · The company
A US entity formed in the state that fits your situation, with its EIN and operating documents.
A real US business address. No virtual-office shortcuts: an address shared with a thousand other entrepreneurs is not a compliant address.
CPA and compliance support so the entity stays clean and filed. The structure is built so a banker can read it in one look.
Layer 03
Presence · Documentation and local ID
Your entry record and the documents banks ask for before they open a private-client conversation, prepared before you fly.
Local identification is sorted on the trip, so you are not putting a foreign passport in front of a banker.
“I had all the documents, and she's saying, 'You are prepared.'”
E-commerce founder, Latvia
Layer 04
Relationship · The Miami trip and the introductions
One trip. We introduce you to relationship bankers we already know, a month before you fly, so your file is on their desk before you sit down.
Personal and business accounts opened at multiple banks in a day, and private-client status where the deposit supports it.
“Chase, you went there with me, you knew the banker… made me a private client.”
GTM agency co-founder, Cyprus
“Three banking relationships with three of the most powerful institutions in the world.”
Jack, Australia
Layer 05
Credit · The profile and the cards
A personal and business credit profile built in the right order, so nothing is submitted too early and locks you out for six months.
Card applications sequenced bank by bank. The approvals are what we guarantee. The limits are what the banks grow over time.
“$35,000 credit line, three weeks after the first call.”
Kevin, Italy
We are not a lender and we don't issue cards. We build the file, make the introductions, and sit beside you at the bank.
Every step is tracked in your client portal.
The timeline
From the first call to the card.
The trip is the peak, not the work. Most of the work happens before you fly.
Strategy call
We map the process for your situation: entity, credit profile, banking relationships, trip. You see what's guaranteed and what it takes on your side before you commit to anything.
Onboarding and documents
Your representative collects what we need and opens your client portal. Every step from here is tracked in it.
ITIN filing and company formation
We prepare and file your ITIN and form the entity in the right state, with its EIN and a real business address.
Pre-trip checklist
Your documentation packet is prepared and your credit profile is already building. We introduce you to your bankers about a month before you fly.
Miami trip: the banking day
Day one, our office and local identification. Day two, the bankers we introduced you to: personal and business accounts across multiple institutions. Day three, final confirmations.
Credit profile and card applications
Applications are sequenced bank by bank, in the order the profile can support. Nothing is submitted too early.
The card
The approval is what we guarantee. The limit is the bank's call, and it grows with the relationship.
Timing varies by client and by bank. Some clients have their cards shortly after the trip, some wait longer.
What you bring
Three things on your side.
01
Make the trip
American banks verify a non-resident in person. One trip, once.
02
Run an active business
Real monthly revenue and real spend running through the business. If you don't have spend yet, build the business first.
03
Fund your own US accounts
The money goes into your own checking account. It stays yours, it isn't a fee, and it isn't collateral.
Why we ask about liquidity before talking cards
A relationship banker does not take a meeting for a two-thousand-dollar account. Liquidity gets you the room. The profile and the case get you the approval. Other providers don't ask about it because they aren't guaranteeing an outcome. We cover the number on the call.
What we're not
Four things we are not.
Not a bank
We don't hold your money and we don't open the accounts. The banks do. We build the file they underwrite and we introduce you to the people who read it.
Not a lender
We don't lend and we don't do emergency funding. If you need money in the next few days, we are the wrong call.
Not a fintech wrapper
A fintech moves money. It doesn't build credit and it doesn't give you a banker. If it takes twenty minutes to open, it takes less than twenty minutes to close.
Not an LLC mill
A filed company is not a credit profile and a relationship introduction. Any CPA can make you compliant, and that gets you a checking account. We build the base for the person underwriting you.