Get your global account or financing,
all from one company.
Eos Global Account
Your money, ready to cross borders.
Money comes in from different currencies and lands in your account as dollars.
Money in and out, in the currency you need.
Receive in reais, dollars or pesos, and send to bank accounts in seven currencies, all from one balance in dollars.
Eos Loan
Financing for your home, energy and vehicles.
A direct lender: we approve and fund with our own capital.
What we finance.
Simple financing, from application to funding.
Apply online
Digital application, decision in minutes.
Funded in 48 hours
On average, after approval.
SSN or ITIN
Apply with either.
A real team
Support on every application.
Offer financing to your customers.
Your customers pay over time, you get paid upfront. Eos approves and funds.
“Out of every 10 customers, 4 use Eos Loan. They split the payments for our customers, and we get paid upfront.”
Frequently asked questions.
Something else on your mind? Talk to our team →
Eos Cash
Is this a bank account? +
No. The global account is not a bank account. Your balance isn't a bank deposit and isn't insured by the FDIC, the FGC or any other deposit protection scheme. The optional US account details give you a routing and account number in your name.
Who can open one? +
Individuals and businesses. Individuals need a photo ID (passport or national ID) and a selfie. Businesses need company details, incorporation and ownership documents, proof of address and an ID for each owner. Opening is subject to verification, and availability depends on your country.
Which currencies can I use? +
Add money in Brazilian reais (Pix), US dollars (ACH, wire or SWIFT), Mexican pesos (SPEI), Colombian pesos (PSE) and Argentine pesos (bank transfer). Send to bank accounts in any of those currencies, plus euros (SEPA) and British pounds (Faster Payments).
What does it cost? +
Opening is free and there's no minimum balance. Every conversion or transfer shows the rate and fees before you confirm. US account details in your name (for ACH and wire) are optional: US$9.90 a month, or US$1.90 in your first month, and in your second and third months if you move US$10,000 or more.
Is there IOF on reais? +
Today there is no IOF when you convert reais in the global account.
Are there limits? +
Up to US$50,000 per transaction, US$100,000 per day and US$500,000 per month.
Eos Loan
What does Eos finance? +
Three avenues of essential credit: real estate (investment strategies plus roofing, HVAC, outdoor and interior programs), utilities (residential battery, solar, water filtration and commercial storage) and mobility & fleet (auto, trucks and invoice trading).
What secures the loan? +
It depends on the program. Real estate strategies are secured by the property in the project, and solar is secured by the panels and the system, a real asset, not a lien on your whole life. Home programs like roofing, HVAC and water filtration are consumer credit that does not touch the equity in your house.
Who can apply? +
US businesses and individuals. You can apply with a Social Security Number or an ITIN. We built our underwriting for both.
Does checking my rate affect my credit score? +
No. Checking your rate uses a soft credit inquiry, which does not affect your score. A hard inquiry only happens if you proceed with a loan.
How fast is funding? +
Decisions typically take minutes. After approval, average funding turnaround is 48 hours.
Is there a penalty for paying early? +
None. There is no prepayment penalty, no dealer fee and no hidden fees on the loan.