Key takeaways
- The IRS online tool needs both a US place of business and a responsible party with an SSN, ITIN, or EIN. Most foreign founders are locked out of it and file Form SS-4 by fax, by mail, or by phone.
- The IRS publishes its own timelines: an EIN comes back by fax generally within 4 business days, and by mail in about 4 weeks. International applicants can also call +1 267-941-1099, where an IRS representative assigns the EIN during the call.
- Line 7b can't be left blank. If the responsible party has no SSN or ITIN and isn't eligible for one, the IRS instructions say to enter "foreign" or N/A.
Before you start
- Form the US LLC first. The IRS instructs you to form the entity with your state before you apply, and the consequence it states for applying in the other order is that your EIN application may be delayed.
- Have a US street address ready for the SS-4 mailing address, since a PO Box is allowed on the mailing line but not on the physical street-address line.
Who this is for
- Foreign founders forming a US LLC without an SSN or ITIN.
- International operators expanding from a non-US entity into a US LLC.
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You formed your US LLC. You have the Articles of Organization. You sit down to open a Mercury account, and you get stopped at a wall many foreign founders hit. The application needs an EIN, but the IRS online tool rejects you because you do not have a Social Security Number.
Here is the part nobody tells you clearly. You can still get an EIN. The IRS has a paper path built specifically for applicants without an SSN. It just takes longer and has more rules than the online form. This guide walks through the exact steps, the realistic timeline, and the mistakes that cause the IRS to reject or ignore your application.
Still deciding where to form? Our free State Checker suggests a state in about a minute and compares all 50 side by side. The EIN process below is federal, so it works the same whichever state you choose.
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Why You Need an EIN
An EIN (Employer Identification Number) is a 9-digit tax ID the IRS assigns to your business. Think of it as the business equivalent of a Social Security Number. Banks ask for it to open business accounts. The IRS uses it for every tax filing. Stripe, PayPal, and most payment processors ask for it during onboarding. Without an EIN, your US company exists on paper but cannot open accounts or accept payments in its own name. Here's what you can do after you have one:
- Open a US business bank account (Mercury, Relay, Bluevine, Chase, and all major banks)
- Sign up for Stripe, PayPal, or Wise Business
- File your annual Form 5472 together with a pro forma Form 1120 (a cover-sheet version of the corporate return) if you are a foreign-owned single-member LLC
- Hire US contractors and issue Form 1099
- Get approved on most SaaS billing, Amazon Seller, and merchant platforms
EIN is free
The IRS never charges for an EIN. Any website asking $200-500 to "get your EIN" is reselling a free government service. Formation companies may legitimately charge for handling the paperwork on your behalf, but the EIN itself costs zero dollars.
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Why the Online Application Rejects You
The IRS instructions set two conditions for the online EIN tool. The entity needs a legal residence, principal place of business, or principal office in the US or a US territory. The responsible party needs a valid taxpayer ID: an SSN, an EIN, or an ITIN (Individual Taxpayer Identification Number). If you are a non-US citizen who has never lived or worked in the US, you likely have none of those numbers. The online form has no path around this, so don't enter zeros or a made-up number to get past the screen. Use the fax, mail, or phone route below instead.
The block is not a bug. The online tool only works when the responsible party already has a US taxpayer ID. Foreign founders without one apply by fax or mail, and international applicants can also apply by phone.
The Four Paths to an EIN
Depending on where you live and what tax ID you hold, one of the following four paths applies to you. Pick the right one up front to avoid wasted weeks.
| Your situation | Application method | IRS published timeline |
|---|---|---|
| Entity based in the US or a US territory, and a responsible party with an SSN, ITIN, or EIN | IRS online tool (irs.gov) | Instant, same session |
| International applicant, no US legal residence or place of business | Call the IRS EIN line: +1 267-941-1099 (Mon to Fri, 6am to 11pm ET) | The representative assigns the EIN during the call |
| Foreign founder who prefers a paper trail | Fax Form SS-4 to IRS | Generally within 4 business days |
| No fax access | Mail Form SS-4 to IRS | About 4 weeks |
EIN application paths. Timelines are the ones the IRS publishes in the Instructions for Form SS-4 (retrieved November 2026).
Do not apply for an ITIN first
A common detour: applying for an ITIN so you can use the online EIN tool. The ITIN process itself takes 8 to 14 weeks and requires certified passport copies. Faxing Form SS-4 as a foreign founder is usually faster. Only pursue an ITIN if you need one for personal tax filings (Form 1040-NR).
Step by Step: Form SS-4 for Foreign Founders
Form SS-4 is a single page. Most of it is straightforward. The fields below are the ones where foreign founders most often make mistakes.
| Line | Field | What to enter |
|---|---|---|
| 1 | Legal name of entity | Exact LLC name from your Articles of Organization |
| 4a-b | Mailing address | An address where you can actually receive IRS mail, including the EIN confirmation (CP 575 letter). A foreign address is allowed if written out in full, and a P.O. box is allowed here but not on line 5a |
| 7a | Responsible party name | Your legal name as it appears on your passport |
| 7b | Responsible party SSN/ITIN/EIN | Enter "foreign" or N/A if you have no SSN or ITIN and aren't eligible for one. An entry is required. |
| 8a | Is this application for an LLC? | Yes |
| 8b | Number of LLC members | 1 for single-member, actual count for multi-member |
| 9a | Type of entity | Check the box that matches your tax election. For a default single-member LLC, check "Other" and write "Disregarded entity - foreign-owned" |
| 10 | Reason for applying | "Started new business" is standard |
| 11 | Date business started | The date your LLC was formed (same as on your Articles of Organization) |
The Form SS-4 fields that matter most for foreign applicants.
Line 7b can't be left blank
The IRS instructions say an entry is required on line 7b. If the responsible party has no SSN or ITIN and isn't eligible to get one, enter "foreign" or N/A. Don't leave the line empty or fill it with a made-up number like 000-00-0000.
Sign the form on the bottom with your name and title (Member, Manager, or Owner depending on your LLC structure). The IRS prefers a handwritten signature: type the form, print it, sign by hand, then scan or fax. Typed-only signatures are sometimes rejected.
How to Submit: Fax vs Mail
The IRS keeps two paper channels open for foreign applicants, fax and mail, alongside the phone channel that international applicants can use. Fax is the faster of the two paper routes, but it requires access to an international fax number or an online fax service such as eFax, HelloFax, or MyFax. The IRS sorts these by where the entity is based, not by the founder's nationality. The numbers below are for an entity with no legal residence, principal place of business, or principal office or agency in the 50 states or DC:
| Channel | Destination | Notes |
|---|---|---|
| Fax | +1 855-215-1627 (within US) or +1 304-707-9471 (outside US) | Include a return fax number. The IRS instructions say to provide one so the EIN can be faxed back. Without it, the IRS manual says the confirmation letter comes by mail in about two weeks, instead of a fax in about 4 business days. |
| Internal Revenue Service, Attn: EIN International Operation, Cincinnati, OH 45999 | Use a trackable carrier (FedEx, DHL). The IRS tells applicants to allow about 4 weeks, and to start the form at least 4 to 5 weeks before the EIN is actually needed. |
Where to send Form SS-4 as a foreign founder.
Fax from an online service works
You do not need a physical fax machine. Services such as eFax, HelloFax, and FaxZero all send documents to US numbers from anywhere in the world for $1-20. Save your fax confirmation sheet; if the IRS claims to have no record of your filing, this is your proof of submission.
Realistic Timeline From Submission to Usable EIN
- 1Day 0: You fax Form SS-4 to the IRS EIN International Operation, with a return fax number written on the form.
- 2Within 4 business days: the window the IRS publishes for a faxed EIN. The IRS manual attaches one condition to it, that the application is complete. An incomplete form is what turns days into weeks.
- 3The CP 575 confirmation notice follows separately by mail. Founders do report waits longer than the published window, and the IRS does not publish a separate timeline for international applicants.
- 4Once the EIN is issued you can open US bank accounts, register for Stripe, and file pending forms. A brand-new EIN may not appear in every third-party verification database on day one.
EIN in hand does not mean fully active
Some banks and payment processors run real-time IRS database checks. A newly issued EIN may not yet appear in every verification system. If a bank rejects your application saying "EIN not found," wait a couple of weeks and try again. Do not file Form SS-4 a second time; that creates duplicate EINs and compliance headaches.
Common Rejection and Delay Traps
- 1Line 7b left blank or filled with zeros. The IRS instructions say an entry is required. If you have no SSN or ITIN and aren't eligible for one, that entry is "foreign" or N/A.
- 2Wrong fax number. An entity with no legal residence, principal place of business, or principal office or agency in the 50 states or DC uses the IRS EIN International Operation fax line, not the domestic one. Its numbers are +1 855-215-1627 (within US) or +1 304-707-9471 (outside US). The IRS does not publish what happens to a misrouted fax, which is precisely the problem: you get no bounce, no notice, and no way to tell waiting from lost.
- 3An overseas mailing address written in shorthand. A foreign address is allowed on line 4a, but the IRS instructions say to write out the city, province or state, postal code, and the full country name. If you'd rather receive IRS mail in the US, a business address with mail scanning is the other route.
- 4Mismatched entity name. The name on Form SS-4 must exactly match your state filing. "Acme Ventures LLC" and "Acme Ventures, L.L.C." can be treated as different entities.
- 5Missing signature. The IRS instructions list who must sign the application, so check that the right person has signed before you fax or mail it.
- 6Applying twice. If your first application seems stuck, resist the urge to re-file. An assigned EIN is permanent, so a second filing adds a number rather than replacing one. Call the IRS EIN line at +1 267-941-1099 (Monday to Friday, 6am to 11pm Eastern) instead. If the IRS tells you it has no record of your fax, work through what to do when the IRS has no record of your SS-4 before you send anything again.
What Comes After the EIN
Once your EIN is issued, several doors open at once. In the order most foreign founders tackle them:
- 1US business bank account. Mercury and Relay are the most common choices for non-residents. Both will ask for the EIN confirmation letter (CP 575), your formation documents, and a valid passport. Expect verification to take 2 to 7 business days.
- 2Payment processing. Stripe, PayPal, and Wise Business all require the EIN on their onboarding form. Stripe Atlas is the exception for its own companies: its docs say you can activate US card payments on Stripe and, if eligible, apply for a Stripe Treasury business account before the EIN is issued. Other payment methods wait until the EIN is available.
- 3Annual IRS filings. Mark your calendar for Form 5472 + pro forma 1120, due every April 15, even with zero revenue. Missing this filing triggers a $25,000 penalty per form.
- 4State filings. Your state may require a separate annual report or franchise tax filing. Delaware, California, and New York are the most common states with mandatory annual filings.
Keep the EIN letter safe
The IRS is explicit that the CP 575 cannot be duplicated or recreated. What you can get instead is a Letter 147C, the EIN verification letter, and banks and processors generally accept it as equivalent proof. Scan the CP 575 the day it arrives and store it with your formation documents, because the replacement path runs through the IRS and takes time you may not have. See how to replace a lost CP 575 with a 147C.
Where a US Address Fits Into All of This
Form SS-4 needs a mailing address where you can actually receive IRS mail. Your state filing asks for a business address. Your bank will compare the address you give it with your state filing. If you are applying from outside the US, each of these fields is a potential stopping point.
A virtual office address can cover all three. It gives you a real commercial US street address that can serve as your SS-4 mailing address, your state-filed business address, and your bank application address, all matching each other. Mail and IRS correspondence arrives there and gets scanned to you digitally.
save office provides commercial US street addresses in major cities, mail scanning, and the documentation you need for LLC formation, EIN applications, and bank onboarding. Your SS-4, your state filing, and your bank application can all carry the same address from the first day.
Frequently Asked Questions
Sources & References
Primary sources this guide is based on.
- 1Stripe · How to incorporate your company, company address and registered agent service (accessed November 6, 2026)
- 2Stripe · Business bank accounts after incorporating with Atlas (accessed November 6, 2026)
- 3IRS · Instructions for Form SS-4 (December 2025), how to apply and lines 4 to 7b (accessed November 3, 2026)
- 4IRS · Form SS-4 (Rev. December 2025), Application for Employer Identification Number (accessed November 3, 2026)
- 5IRS · Internal Revenue Manual 21.7.13, Assigning Employer Identification Numbers (fax without a return number) (accessed November 3, 2026)
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