Borderless | Your second financial system. Built in the U.S.
🇩🇪
🇦🇹
🇨🇭
🇳🇱
🇪🇸
Trusted by 300+ entrepreneurs from 10+ countries

Your second financial system.
Built in the U.S.

Keep everything you have and build your U.S. LLC, ITIN, banking and a credit profile alongside it, with premium cards and high credit lines. Fully remote.

✓ Access to Chase, Amex and more
✓ LLC & ITIN: 100% remote
✓ No U.S. residency required
✓ LLC formed in 7-10 days
Chase Sapphire Preferred
Amex Gold Card
Amex Centurion Black
Credit Score
742
↑ +38 pts
0
Entrepreneurs served
0
U.S. credit possible
0
Tax, legally
0
U.S. LLCs formed
0
Countries worldwide
Partnerships & integrations
ChaseAMERICAN EXPRESSstripeMercuryWiseCapital OneExperianTransUnionEquifaxIRSChaseAMERICAN EXPRESSstripeMercuryWiseCapital OneExperianTransUnionEquifaxIRS
Why the U.S.?

The U.S. thinks bigger.

In most countries outside the U.S., low credit limits cap what you can do. Here is how Europe compares.

Category
🇪🇺 Europe
🇺🇸 U.S. with Borderless
Credit limit
€5,000-€15,000↓
$50,000-$500,000+↑
Interest rates
18-25% APR
0% APR for 12-18 months
State income tax
Up to 50%
0% in Florida
Business class flights
Full fare €3,000+
Free with points
Credit card benefits
0.5-1% cash back
Lounges, hotels, 5x points
Accepted internationally
Limited
Everywhere, worldwide
Trust

Verifiable. Not just promised.

Real reviews and an official state registration. Check us out before you talk to us.

★★★★★
Top service and support with the company formation

“Very happy, the LLC formation went perfectly, the process was handled cleanly and I already have access to credit. Overall a great team and very reliable!”

Tom M.Review on Trustpilot →
★★★★★
Company formation was very fast

“Company formation was very fast, now it’s on to the cards, very satisfied.”

Felix B.Review on Trustpilot →

Reviews translated from German.

Client results

Results from our clients.

Original screenshots from working with Borderless. From zero to six-figure credit lines.

300+
Entrepreneurs served
7-10 days
to your LLC
21 days
avg. to your EIN
10+
Countries worldwide
See all client results →
Original screenshots: account openings, cards and approved credit lines
Viktor Stojanik, founder of Borderless
Viktor Stojanik · Founder · Borderless
I built all of this myself.
Along the way, I learned that most people out there are selling you lies.

As a European entrepreneur, I faced the same challenge myself: building a U.S. financial profile with no U.S. address, no SSN and no playbook. After years of learning, testing and refining, I perfected the process.

What I found were bad actors everywhere. People promising you "$100k in 2 weeks." That is simply not possible, and anyone who claims it is lying to you. I founded Borderless for transparency and real results.

I never promise anything I can't prove myself.
300+
Clients served
350+
LLCs formed
10+
Countries
Follow me live on Instagram@viktorglobal: real insights and results, every day→
Honesty over hype

Who Borderless is not for.

We work with a limited number of clients, and we would rather tell you upfront whether it's a fit. That saves us both time.

Not for you if …
  • you plan to stay tax resident in your home country and hope for "0% tax." It doesn't work that way, and anyone who promises it is lying to you
  • you want a get-rich-quick setup. A real credit score takes months, not weeks
  • you don't have an income yet. Build your business first, and we'll be ready when you are
  • you aren't prepared to submit your documents carefully and completely, because with the IRS and banks, accuracy is everything
A perfect fit if …
  • you run an active business or are seriously building one
  • you think internationally: the U.S. market, real banking, growing credit lines
  • transparency and real results matter more to you than big promises
Not ready for a call yet? Start with the guide.

The U.S. Credit Building Guide: the complete system from 0 to 700+, free and read in 10 minutes. Get it as a PDF in your inbox if you like.

Read the free guide →
FAQ

Frequently asked questions.

Do I need to live in the U.S.?

+

No. You set up your LLC, your ITIN and your first fintech bank accounts fully remote, from anywhere in the world. No move and no visa required.

Do I have to travel to the U.S.?

+

For your LLC, ITIN and fintech banking, no. All of that happens remotely. To complete your full setup with major banks like Chase, Bank of America and Wells Fargo, not just fintechs, you will need a trip to Miami, because those accounts are opened in person at the branch. We prepare everything and go with you, so you fly home with your accounts open and your cards in hand.

How long does the whole process take?

+

Your LLC is formed in 7-10 days and fully ready, including your EIN, after 21 days on average. Your ITIN usually arrives within 8-14 weeks. Your first credit score appears about 90 days after you open your first accounts with the major branch banks (such as Chase). Premium cards are typically within reach after 8-12 months.

Is this legal?

+

Yes, 100%. Non-U.S. residents can legally form a U.S. LLC, apply for an ITIN and get credit cards. It is a well-established process used by thousands of international entrepreneurs.

Do I need an SSN (Social Security Number)?

+

No. As a non-U.S. resident, you apply for an ITIN (Individual Taxpayer Identification Number). For credit card applications, it works just like an SSN.

Why Florida?

+

Florida has no state income tax (0%) and is one of the most business-friendly states in the U.S. Banks and lenders know Florida LLCs well, which makes opening accounts and applying for credit cards easier.

What if my ITIN application is rejected?

+

With our service, we correct and resubmit your application free of charge until it is approved. Our success rate is 100%.

How much does Borderless cost?

+

That depends on your setup: LLC only, LLC with banking and ITIN, or full guidance all the way to your U.S. credit line. In a free strategy call, we work out what you really need, and you get a clear fixed price before you decide. No hidden fees, no surprises.

What does working with you look like?

+

After your free strategy call, you get access to our client portal. You enter your details there and upload your documents. From then on, we take over. You can follow every step live in the portal, you are notified at every milestone, and you can reach us directly on WhatsApp at any time.

Which state should I form my LLC in?

+

We form LLCs in all 50 states. For credit building, we recommend Florida: 0% state income tax, banks know Florida LLCs well, and we open your in-person accounts in Miami. For other setups, Wyoming, Delaware or New Mexico can make sense. We will figure that out together in your first call.

Will I save taxes while I am still tax resident in my home country?

+

The honest answer is no. As long as you are tax resident in your home country, your worldwide income is usually taxed there. An LLC does not change that, and anyone who promises otherwise is lying to you. In that case, the value of the LLC lies in your U.S. credit profile, your credit lines and your reward points. The full tax benefits only come once you properly give up your tax residency. That is exactly where we help, including a Paraguay setup for the structure that follows. (This is not tax advice. For your individual situation, talk to your tax advisor.)

What is the Amex Global Transfer?

+

If you already have an American Express card in your home country, for example in Europe, we transfer your membership to the U.S. You get a U.S. Amex without any U.S. credit history, even without an ITIN. Your "Member since" status stays intact, and you qualify for Gold, Platinum and business cards much sooner. You can book it as a standalone service, including full guidance, a U.S. address and mail forwarding. We check whether the transfer is right for you in a free eligibility check. Typical result: a $10,000-15,000 credit limit at 0% interest for the first year.

What is the Paraguay setup?

+

For anyone who wants to give up tax residency in their home country: we guide you through establishing residency in Paraguay, so you have a clean structure once you have left. Combined with your U.S. LLC, this gives you a setup that lets you move abroad the right way while building your credit in the U.S.

What happens to my credit when I leave my home country?

+

It fades away, piece by piece. Without a registered address at home, many banks cancel your cards and loans, your local credit history freezes, and abroad it is worthless anyway: no other country recognizes the credit you built at home. That is exactly why our clients build a U.S. credit profile before or right after they leave. It is tied to your ITIN instead of your place of residence, it travels with you, and it keeps growing wherever you live.

Not for everyone

Ready for your U.S. financial profile?
Check if you qualify.

We work with a limited number of clients. In 60 seconds, you'll know whether Borderless fits your situation.

✓ Florida LLC in 7-10 days
✓ ITIN with no trip to the U.S.
✓ 0% state income tax
✓ Business class for free

60 seconds · Free, no obligation · Instant result

Application
Step 1 of 520%
What describes you best?
We tailor our recommendation to your situation.
🏢
Business owner / Self-employed
I run an active business
💻
Freelancer / Consultant
Remote work, services
🚀
Employed + side project
I'm building a business on the side
🎯
Still planning
I'm starting soon
Monthly income?
Business and personal combined. A rough estimate is fine.
🌱
No income yet
Building phase
📈
Under €3,000 / month
💰
€3,000-€10,000 / month
🏆
Over €10,000 / month
What is your main goal?
What matters most to you right now?
🇺🇸
Form a U.S. LLC + banking
📋
Apply for an ITIN
💳
Build a U.S. credit score
⚡
The complete setup
LLC + banking + ITIN + credit, all at once
Where do you live right now?
This matters for tax considerations.
🇩🇪
Germany
🇦🇹
Austria
🇨🇭
Switzerland
🌍
Another country / Digital nomad
When do you want to start?
So we can plan the right capacity for you.
🔥
Right away, I'm ready
📅
Within the next 30 days
🗓️
In 3-6 months
📚
Just gathering information
✓ You qualify
You're exactly who Borderless is built for.
Based on your situation, we can help you build your U.S. financial profile step by step.
We analyze exactly where you stand today
You get a roadmap tailored to you
30 minutes, clear, direct and with no obligation
Not ready yet
Start with the free guide.
For a personal call, we need active income and a clear plan to get started. Read our guide first, and the timing will be a better fit.
Read the free guide →
When you're ready, just reach out: [email protected]