For International Investors
Finance US Real Estate as a European Investor
No US credit. No US income documentation. The same terms a US investor gets. We fund business-purpose loans to your US LLC in-house, run by a European who knows the process on both sides of the Atlantic.
The bottleneck every European investor hits
You found the deal. Then you hit the wall: no US Social Security number, no US credit history, no US banking relationship. US retail banks will not touch you, private banks want you to move millions in assets first, and you have no idea who to actually call.
Most European investors give up at this point, or overpay a middleman who does not understand either side. That is the gap we close.
Why European investors choose us
Same terms as a US investor
We fund your loan in-house on the same programs and pricing a US borrower gets. No foreign-national penalty, no degraded leverage. This is rare, and it is the difference.
No US credit, no US income docs
Qualification is based on the property and the business plan, not tied to a US credit score or US tax returns. You bring a bank statement and a funded US LLC.
Business-purpose, to your LLC
Every loan is a business-purpose loan to your US entity on investment property, never a consumer loan. Clean structure, the way serious investors hold US assets.
A European who knows both sides
You deal with someone who understands a European investor's reality and the US lending process. We work in your language, on your timezone, over WhatsApp if you prefer.
How it works
01
Form your US LLC
We point you to forming a US LLC to hold the property. This keeps the loan business-purpose and is how US investment real estate is structured. It is fast and inexpensive.
02
Show you can service the loan
Underwriting is asset-based: a recent bank statement, a funded US LLC account, and the means to cover the loan payments. Your US credit history is not a factor.
03
We fund your deal
We fund core deals in-house and manage the process to close, whether that is bridge, development, renovation, or fix & flip financing. Larger or commercial deals are placed through our capital-partner network, and you know which within 24 hours.
Your full program range
Every Passy Capital program is available to you, from $500k to $5M, on the same terms as a US investor.
Guides for international investors
Foreign national loans explained →
What they are, who qualifies, and how you borrow against US property without US credit.
How to finance from abroad →
The full process for non-residents: form your LLC, move funds, qualify, and close remotely.
Setting up a US LLC →
Why the LLC matters, and how to form one as a foreigner, even without an SSN.
Best foreign national lender, by the numbers →
The criteria to judge any lender on, and why parity of terms beats a headline rate.
Frequently asked questions
Can a foreign national finance US investment property without US credit?
Yes. These are business-purpose loans to a US LLC, qualified on the property and your ability to service the loan rather than on a US credit score or US tax returns. You typically provide a bank statement and a funded US LLC account. We do not offer long-term rental or DSCR loans: to hold a rental, you buy or renovate it with one of our loans, then refinance with a long-term lender.
Do European investors get worse terms than US investors?
Not with us. Foreign-national borrowers are treated the same as US nationals on these programs, with the same loan products and pricing, provided you can show affordability (a bank statement, a funded US LLC, and enough to service the interest). Most foreign-national programs are worse. This one is not.
Why do I need a US LLC?
We lend to a US LLC only, never to an individual. Holding the property in an entity keeps the loan business-purpose rather than consumer, which is how US investment real estate is properly structured and is standard for international investors. Forming the LLC is fast and inexpensive, and we guide you through it.
How much can I borrow?
We focus on deals from $500k to $5M across bridge, development, renovation, and fix & flip financing.
Which programs are available to me as a European investor?
All of them: bridge, development, renovation, and fix & flip loans, on the same terms as a US investor. Pick the program that fits your deal, or tell us about the deal and we will recommend the structure.
Which countries do you work with, and what about compliance?
We work with investors from eligible countries and, like any US lender, complete standard identity (KYC) and source-of-funds verification on every deal. This protects you and keeps the transaction clean. If you can document who you are and where your funds come from, the process is straightforward. We do not work with sanctioned countries or individuals.
Ready to finance your US deal?
Tell us about the property and your timeline. We will come back with the structure and next steps, usually within 24 hours.