• Nadlan Capital Group - Finanziamenti immobiliari USA per cittadini stranieri e residenti

  Perché alcuni istituti di credito non accettano conti Wise o Mercury per prestiti DSCR

  Pubblicato da Gruppo Nadlan il 25 aprile alle 18:11

  Perché alcuni istituti di credito non accettano conti Wise o Mercury per prestiti DSCR

  At Nadlan Capital Group, we have recently observed an important trend that borrowers should be aware of: more and more lenders do not recognize Wise or Mercury as acceptable U.S. bank accounts for DSCR loan transactions.

  While platforms like Wise (formerly TransferWise) and Mercury offer banking services geared toward startups and international businesses, they are not considered traditional, regulated U.S. banks by many lenders — particularly when lending to foreign nationals.

  The Banking Requirement for Foreign National Borrowers

  When underwriting loans, lenders typically require that foreign national borrowers:

  • Have a verified U.S. bank account under their own U.S. entity (EIN),

  • Hold sufficient liquidity in that U.S. account for at least 60 days prior to closing,

  • Ensure that the funds are traceable and seasoned in a recognized U.S. financial institution.

  This requirement stems from U.S. banking laws and anti-money laundering regulations.
  Funds must be sourced, traced, and seasoned in a manner that complies with strict financial oversight.

  Although Mercury and Wise provide great banking solutions, many lenders do not view them as equivalent to traditional banks like Bank of America, Chase, or Wells Fargo.

  Real Client Stories: Ben and Ziv

  Ben’s Experience

  One of our clients, Ben, encountered this issue during the loan process.
  Although he maintained liquidity in his Mercury account and opened it with his company’s EIN, a top lender flagged the concern:

  “It looks like the sponsor uses Mercury for banking services – we cannot accept Mercury accounts or funds. It needs foreign national sponsors to have a U.S. bank account with funds in the U.S. for at least 60 days.”

  Despite Ben’s explanation that Mercury is a U.S.-based platform, the lender’s guidelines remained firm.
  Fortunately, Ben had a Bank of America account, allowing him to adjust his liquidity placement to satisfy the lender’s condition and move forward smoothly with better financing terms.

  Ziv’s Experience

  Another client, Ziv, faced a similar situation — with even more complexity.
  Initially, Ziv had his liquidity in a Mercury account but very little in traditional banks. During the underwriting process, several challenges surfaced:

  • Wise and Mercury accounts were not accepted,

  • The lender required 12 months of PITIA (Principal, Interest, Taxes, Insurance, and Association dues) liquidity,

  • Cash-out refinance proceeds could not be used to satisfy liquidity reserves,

  • Six out of seven units occupied was acceptable, but liquidity was the major concern.

  When discussing options, we strongly advised Ziv to open a real U.S. bank account (like Chase or Bank of America) with the help of our attorneys.
  Holding hundreds of thousands of dollars from a cash-out refinance in a virtual-only bank like Mercury poses security risks and limits loan eligibility.

  We continued negotiations with the lender, trying to explore exceptions like accepting just 3 months’ reserves instead of 12, but the lender insisted on full compliance.

  At last communication, Ziv was still looking for a creative solution to deposit $25,000 in a qualified U.S. bank account to proceed with the loan.

  Punti chiave per i mutuatari

  • Use a Traditional U.S. Bank: Open accounts with recognized institutions like Bank of America, Chase, Citi, or Wells Fargo.

  • Season Funds Early: Make sure your liquidity is deposited at least 60 days before closing.

  • Understand Liquidity Requirements: For DSCR loans, foreign nationals are often required to show reserves equivalent to 6–12 months of PITIA.

  • Avoid Sole Reliance on Virtual Banks: Wise and Mercury might not satisfy lender requirements, and holding significant funds there could create both risk and delays.

  Considerazioni finali

  As lending guidelines become stricter, careful planning of your U.S. banking relationships is critical to a successful loan closing — especially for foreign national investors.

  At Nadlan Capital Group, we guide our clients through every step of the process, helping them set up proper U.S. banking, ensuring liquidity seasoning, and maximizing their ability to secure the best possible loan offers.

  Need help setting up your finances properly for a U.S. investment loan?
  Contattaci Oggi

  

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  • Conto bancario
  • DSCR
  • mercurio
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