Bluewater is a holding company with two primary divisions:

Bluewater Lending: Based in the United States, Bluewater Lending specializes in helping U.S. business owners access business funding with 0% interest or low rates. We focus on offering financial solutions for businesses that need capital to grow, without the burden of high-interest rates typically associated with traditional financing. Our services are tailored for U.S. businesses looking to leverage their SSN and improve their access to flexible funding options.

Bluewater Banking: As part of our international offerings, Bluewater Banking provides banking solutions for overseas entrepreneurs. We assist international clients in opening U.S. business accounts, navigating cross-border financial requirements, and offering remote access to banking services. Bluewater Banking ensures that global entrepreneurs can tap into the U.S. banking system with ease, enabling them to manage their finances, receive payments, and grow their businesses in the U.S.

Together, both divisions of Bluewater work to empower business owners globally by providing customized financial solutions for growth and success.

Bluewater has helped over 600+ US entrepreneurs access business funding and international business owners get access to tailored financial banking solutions remotely.

Our team is fully remote, with members based across the U.S. and Europe, ensuring we have a global reach to serve you efficiently.While our team works remotely, our official company address is located at 402 West Broadway Suite #400, San Diego, CA, 92101 – Emerald Plaza.

We’re available to assist you Monday to Saturday, from 10 AM to 8 PM EST.

You can explore more about our company in our funding division here, where you’ll find real video testimonials from business owners we've successfully helped with their funding needs.

Additionally, you can read authentic customer reviews and testimonials on Trustpilot here

For a closer look at our leadership and the people behind the company, see below for our overhead team of executives.

No, you do not need a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) if your business is registered as an LLC. However, having one may simplify some processes. But is not required.

No, you do not need to fly to the USA. We offer remote services to help you open the account without having to visit the US. The process is handled entirely online.

Yes, you need a US-based LLC in order to open a business bank account in the USA. If you don’t have one, we can assist you in forming an LLC and compiling all the paperwork within 24 hours.

Yes, absolutely. The banking services we provide to overseas entrepreneurs are fully legal and compliant with U.S. laws and regulations. At Bluewater, we prioritize transparency and full legal compliance. We process credit and debit card payments via secure payment links, and we always require an agreement to be signed that outlines our guarantees. Furthermore, we conduct recorded Zoom meetings with all clients for quality and transparency purposes. You will receive a copy of the meeting, ensuring clear communication and guidance throughout the process. Our company details, including the first and last names of our team members, are publicly available online, providing additional assurance of our legitimacy.

Company Verification:

Certificate of LLC formation
EIN (Employee Tax Identification)
US Business phone number

(if you don't have none of them, we'll get it for you included in the service.)


Identity Verification:

ITIN / SSN (only if any - not a must)
Driver’s License (Front copy) or passport
Secondary ID like an ID Card (Front copy ID)

You don't need a physical US business address to open a bank account. As part of our service, we will provide you with a legitimate US business address. This address is a professional, real location (not a PO Box), which ensures compliance with banking systems and allows for the receipt of letters and packages, which can then be forwarded to your residential address

Most countries worldwide are eligible, including the European Union, Canada, the United Kingdom, Australia, and countries in Asia and South America.

However, some countries that are subject to heavy financial regulations or sanctions, such as North Korea or Iran, Russia and Ukraina may not be eligible.

Nationalities: Entrepreneurs from most nationalities can apply to open a business account remotely, provided they have the necessary documentation (such as a valid passport, ID or Driving License and business registration details).

Chase Platinum Business Checking

To open this account remotely without an SSN/ITIN, you must deposit a minimum of $100k.

Monthly Fee: $95, which can be waived by maintaining a minimum daily balance of $100,000 in the account

Features:

- 500 free transactions per month, then $0.40 per transaction.
- No fee for wire transfers or ACH payments.

Access to premium services such as private dedicated banking specialists and exclusive business tools.

The process begins with an initial onboarding call, but this is only scheduled once you're ready to commit.

During the call, we will address any questions you may have, explain the full process, collect the payment, and sign the agreement.

Once the agreement (which includes all guarantees) is signed and payment is collected, we will send you an application form to fill out. This will require your existing LLC documentation and ID verification to confirm your authenticity. We then conduct background due diligence to ensure everything is in order.

If needed, we will adjust your documentation or business structure to present your business in the best possible light.

Example: We will first verify that there are no delinquencies or issues in your Secretary of State records. We will also ensure that your business has a legitimate, physical US address — and if you don’t have one, we can provide it for you. Additionally, we’ll check that your business presence is in good standing and that there are no problems with your filing or annual report submissions. If needed, we will help you gather any missing documentation before moving forward with the application.

After that, we will schedule a call with you and our Chase VP Banker. Before the call, we'll send you a tailored PDF document that guides you on how to answer the banker's questions based on your business model and needs.

After the call with the banker, you will receive a DocuSign document, which you will need to sign. Once the agreement is signed, your bank account will be approved and ready within 3-4 days.

Finally, when your approval is received via email, the banker will schedule another call with you to officially welcome you to the bank, walk you through the online banking platform, activate fraud protection, and guide you through the entire process via screen sharing, step-by-step.

Typically, the process takes anywhere from 72 hours to a few days, depending on the bank's requirements and the completeness of your documentation.

Yes, it is possible to open multiple business accounts under the same name/passport but for different businesses. We can help you set up additional accounts based on your business needs.

Yes, you can manage your US bank account from anywhere in the world through online banking or mobile apps. Once your account is opened, our Chase banker will schedule a call with you to walk you through the banking online app, activate all necessary fraud protection measures, and ensure you're fully set up. This is a personalized, step-by-step guided process to make sure everything runs smoothly.

Yes, once your account is opened, you will receive a debit card delivered to your registered home address. The card will be sent directly from the bank within 4-6 business days, and you'll be able to start using it for transactions once it arrives and is activated. You can connect the card with apple pay, google pay as well.

Yes, your business account is protected against fraud with Chase’s robust security measures, including encryption, multi-factor authentication, and real-time fraud monitoring. Any suspicious transactions will be automatically flagged and blocked to prevent unauthorized access.

For large transactions or suspicious activity, the bank will contact you directly within 3-4 minutes via your registered phone number to verify that it’s truly you making the transaction.

Additionally, if you set up recurring payment options in your account, Chase will prompt you for confirmation before processing any payments. Furthermore, your account is FDIC insured, meaning your deposits are covered up to the standard insurance limit of $250,000 per depositor, per insured bank, providing you with added peace of mind.

We offer a standard guarantee that applies to everyone, regardless of their starting situation: If we do not successfully open your business checking account within 30 business days, you will receive a full refund.

This means that if you are not approved at all, you get your money back.

If you are approved after the 30-day period, you will still keep your Chase account, and we will refund your payment.

Additionally, we offer an express 14-day guarantee, which works the same way but is available only to qualified prospects as outlined in the agreement.

Both guarantees are part of our formal agreement and are legally binding.

Fill out the prequalification form, and you'll know our price!

Yes, your US business account with Chase will accept international wire transfers. Chase offers the ability to send and receive wire transfers globally, making it convenient for businesses to conduct international transactions.

The underwriting process is completed before the final approval. This means our banker will review everything in advance and inform us of any missing documentation or areas that need improvement before we submit your application to the bank. This helps us prevent declines from occurring.

However, if for any reason the bank account is not approved, we will thoroughly investigate the reason for the denial and address any issues that arise. Additionally, if we do not deliver your approved bank account within 30 days, you are eligible for a full refund, no questions asked, as outlined in our agreement.

No, simply having a US-based business bank account does not automatically trigger tax obligations. Taxes are based on your business activities and the revenue generated, not the account itself. For most overseas entrepreneurs with a remote LLC, the business may qualify for 0% tax on revenue generated. (that's why is super popular.) However, tax laws can vary depending on your specific situation and jurisdiction.

For a Chase Business Platinum account, the daily transaction limits for deposits and withdrawals can vary based on several factors, such as your account's history, activity, and the specific terms set by the bank.

Typically, for wire transfers or ACH transfers, there may be higher or customizable limits depending on your account setup and business needs. (Can go above $1 million a day in daily transactions)

For ATM withdrawals, the daily limit is typically $1,000, but this can vary depending on the ATM you use.

For deposit and inbound wire, you can easily

However, Chase allows you to withdraw up to $5,000 per day upon request. If you're handling larger volumes of transactions regularly, you may be able to request higher limits or negotiate specific terms based on your business needs. We recommend confirming these details with your Chase banker to ensure your account is set up according to your business requirements.