AI Roman

US credit lines for non-US founders.
LLC → US banking → Amex Platinum,
Comment "STACK" for the FREE guide

[AI Roman @founderscredit]

18 months ago my bank denied me a 5,000 euro overdraft.
today the company runs on $60,000 in US credit and flies me on points I never paid for.
I did not get richer first. I changed which system I was asking.

[AI Roman @founderscredit]

"ITINs take forever and never get approved."
filed correctly, with the right LLC behind it, it is routine.
one number. it replaces the SSN for banking and credit.
the horror stories come from people who filed it alone and wrong.

[AI Roman @founderscredit]

$250k in ad spend on the right US card is roughly 17 business class flights a year.
you were going to spend the money anyway.
the founders who win just route it through a card that pays them back in miles.

[AI Roman @founderscredit]

Stripe Atlas sells you the LLC and waves goodbye.
the LLC is step 1 of 6.
without the ITIN, the bank, the vendors, and the cards you have a shell, not a US presence.
the LLC was never the finish line.

[AI Roman @founderscredit]

non-US founder, no SSN, want $30k+ in US credit in 180 days?
the full breakdown is in a free guide.
comment "US" and I'll DM it over. (follow so it delivers)

[AI Roman @founderscredit]

you close international clients in dollars.
your invoices say USD.
your bank still prices you like a local side project.
the structure is the gap between how you earn and how you are treated.

[AI Roman @founderscredit]

the boring secret of US credit is net-30 vendors.
you buy supplies, you pay in 30 days, they report it.
3 of those and your profile goes from invisible to real.
no SSN touches any of it.

[AI Roman @founderscredit]

a 2-person Shopify store in Tallinn. 40k a month in revenue.
his own bank offered him a 3,000 euro overdraft.
we built the US LLC, the bank, and the Amex ladder.
90 days later: $45,000 in US credit and business class on points.

[AI Roman @founderscredit]

US business credit is not one thing. it is a ladder.
step 1: net-30 vendors that report
step 2: a store card or two
step 3: a real bank line
step 4: the Amex ladder
skip a rung and the next one says no.

[AI Roman @founderscredit]

your home bank sees a small foreign business.
a US bank sees a founder worth lending $30k to.
same company. the only difference is which system you are standing in.

[AI Roman @founderscredit]

how non-US founders open a US bank and a US Amex with just an ITIN.
normally part of our paid setup.
reply "AMEX" and it is yours, free. (make sure to follow)

[AI Roman @founderscredit]

ess bank remotely as a non-US founder is the lowest-effort, highest-leverage move there is.
no US trip. no SSN.
it unlocks the cards, the vendors, and the credit that follow.
most people skip it because they assume it is impossible. it is not.

[AI Roman @founderscredit]

8 US Amex cards. one foreign founder. zero SSNs.
Gold, Platinum, Business Gold, the full ladder.
combined welcome bonuses north of 1,000,000 points.
the bank at home would not give him one. the US handed over eight.

[AI Roman @founderscredit]

ad spend on a US Amex: 4x points
US Shopify Payments: lower fees
US bank: no foreign transaction bleed
0% tax residency: keep the rest
the same ecom store, run the American way, keeps nearly double.

[AI Roman @founderscredit]

Medellin this month. Dubai the next.
the company never moved. it is a US LLC sitting still in Wyoming while I don't.
US banks bank the company, not your address.

[AI Roman @founderscredit]

the exact order to apply for US cards as a foreigner.
wrong order = months of denials. right order = approvals that compound.
comment "ORDER" and I'll send you the sequence, free.

[AI Roman @founderscredit]

a US LLC owned by a non-resident pays 0% federal tax.
an American owns the same LLC and pays up to 37%.
same forms. same bank. different passport on the owner.
nobody in Europe teaches this on purpose.

[AI Roman @founderscredit]

if I was a non-US founder starting from zero tomorrow:
Wyoming LLC → EIN → ITIN → US bank → 3 net-30 vendors → first Amex.
that is the whole seed.
everything after it is just time and payment history.

[AI Roman @founderscredit]

"you need to live in the US to bank there."
you don't.
non-residents open US business accounts remotely every week.
the passport in the drawer matters less than the LLC on the paperwork.

[AI Roman @founderscredit]

1,000,000 Amex points a year sounds like a flex.
it is just $250k of ad spend on a 4x card.
if you run ads at any scale you are already spending it.
the only question is whether the card pays you back.