From fintech app
to six-figure credit line.
Mercury and Relay are where you start. The real leverage comes from Chase, Bank of America, Wells Fargo and American Express. We show you the complete path from fintech accounts into the real U.S. banking system, and how to build your credit score from zero, step by step. The playbook works best with a Florida LLC.
More than an LLC: a real foothold in the U.S.
On its own, an LLC does little for you, apart from the tax advantages that apply once you are no longer tax resident in your home country. The real leverage comes when you arrive in the U.S. financial system, with your own credit, real banking relationships and credit lines that grow with your business. That is exactly what we build with you, so you can operate as a full-fledged entrepreneur in the U.S. and build credit wherever in the world you live.
Your path into real U.S. banking, in 6 steps.
Credit building is complex. People who go it alone make expensive mistakes and often leave the bank appointment without an account because they were not properly prepared. We have walked this path with more than 300 clients, and we take every single step off your plate.
First the LLC, then the ITIN, your key to the U.S. financial system. As soon as your ITIN arrives, you are ready to open your first U.S. account.
Weeks 1-14Already have an Amex outside the U.S.? Then we move your membership to the U.S. with Amex Global Transfer: a U.S. Amex without U.S. credit history, your "Member since" status stays intact, and you qualify for Gold, Platinum and business cards much sooner. It even works without an ITIN.
Shortcut, even without an ITINBefore your trip to Miami, preparation is everything: without the right documents and steps, you go home without an account. We take care of all of it, and you only fly once your account opening is secured.
Before the tripOn site, you open your accounts at the major banks and receive personal and business credit cards (secured cards) right away. Your credit score starts to grow.
On site in MiamiAfter about three months of strategic use and on-time payments, you get your first unsecured cards, with no deposit and growing limits.
After about 3 monthsAmerican Express and premium cards on both the business and personal side, with travel benefits, 0% APR periods and credit lines that grow with you. Your credit score: from 0 to 700+.
Months 8-12Results from our clients.
Original screenshots from our work with our clients.
$299.500Spending Power · Markus K.
$97.600Chase Ink · Lars L.
$39.700Amex Blue Business · Thomas R.
$75.000Total limit at Chase at 0% APR
$70.400Credit line at Capital One
$50.000Chase Ink at 0% interest
780Credit score at Experian
$40.000Chase Ink limit
GenehmigtNew Chase credit card
$30.000Chase Freedom Rise
761Credit score at Chase
$22.500Amex EveryDay Preferred
3 KartenPlatinum, Gold & Hilton
$20.000Amex raises the limitTwo paths to your U.S. credit profile.
Get started fast with the Amex Global Transfer, or build your complete U.S. credit profile with one-on-one guidance.
- Full guidance: we apply for your U.S. Amex together
- U.S. address included, provided by us on site
- Mail forwarding: your card reaches you safely at home
- $10,000-15,000 credit limit at 0% APR, so 0% interest for the first year
- Florida LLC + EIN + ITIN, fully handled
- U.S. banking setup, fully in place
- Chase + Amex sequence, guided from start to finish
- $70k-130k in credit lines built
- 12 months of one-on-one guidance
Quick answers.
Can I build a U.S. credit score if I live outside the U.S.?
Yes, with an ITIN instead of an SSN. Your first credit score appears about 90 days after you open your first accounts at the branch banks, and it grows with every on-time payment from there.
What is the Amex Global Transfer?
It moves your existing Amex membership from outside the U.S. to the U.S.: you get a U.S. Amex without any U.S. credit history, even without an ITIN. You can book it with us as a standalone service, including guidance, a U.S. address and mail forwarding. In a free eligibility check, we find out whether the transfer is right for you.
Do I have to travel to the U.S. to open U.S. accounts?
Fintech accounts like Mercury can be opened remotely. For the major banks (Chase, Bank of America, Wells Fargo), a well-prepared trip to Miami is required; we prepare everything and guide you through it.
How quickly can I get high credit lines?
Your first unsecured cards after about 3 months, American Express and premium cards in months 8-12. Credit lines grow with your score and your revenue, and for our clients they have reached six figures.
Ready for your U.S. credit profile?
Book your free strategy call: 30 minutes, clear and to the point.