Wiring Money From Abroad to a U.S. Syndication Escrow Account
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An investor outside the United States funds a syndication by international wire into the deal's U.S. escrow account. Send U.S. dollars from an account in your own name, enter the beneficiary details exactly as given, choose a fee option so the full amount arrives, keep your source-of-funds papers ready and confirm the instructions by phone before you send. Investor money into escrow moves by wire only.
If you are the sponsor, we built DoorRaise so investors fund by wire into the deal's escrow account at Enterprise Bank & Trust, and wire instructions appear only once the deal's escrow is open. This guide is for investors sending from another country. For the domestic basics, see how investors commit and wire.
What do you need to send the wire?
| Item | Where it comes from |
|---|---|
| Beneficiary name | The deal company or the escrow account name in the instructions |
| Beneficiary address | The instructions |
| Beneficiary account number | The instructions |
| Receiving bank name and address | The instructions |
| ABA routing number | The instructions (for U.S. domestic routing) |
| SWIFT (BIC) code of the receiving bank | The instructions, or confirm with the sponsor |
| Reference | Your name and the deal name, as the instructions say |
| Amount and currency | Your subscription amount in U.S. dollars |
If any field is missing, ask the sponsor in writing. Do not guess.
Why should the wire come from your own account?
Escrow and compliance teams match each incoming wire to an investor. A wire from a third party, a relative or a company you do not own can be held or returned. Use an account in the same name as the subscription, or tell the sponsor in advance so they can approve a different payer. See wires from another person's account.
How do fees and currency work?
International wires can pass through one or more correspondent banks, and each may deduct a fee. The charge option you pick controls who pays.
| Option | Who pays |
|---|---|
| OUR | The sender pays all fees, and the beneficiary receives the full amount |
| SHA | The sender pays its bank, and the beneficiary pays the receiving side |
| BEN | The beneficiary pays all fees |
Escrow instructions usually ask for the full amount to arrive. If less arrives, you may have to send the difference. Ask your bank which option it supports. Fees charged by your bank to send are yours.
Send the wire in U.S. dollars. If your account is in another currency, your bank converts, at its rate and with its spread. Ask for the rate before you confirm. For more on exchange rates after you invest, see currency risk.
How long does it take?
Many international wires arrive within one to five business days, depending on the countries, banks and cut-off times, and a wire sent late on a Friday can land the next week. Do not wait until the deadline. If the deal's escrow has a funding deadline, send early and send the SWIFT confirmation (MT103) to the sponsor so they can trace it.
What will the banks ask?
- Your identity documents and proof of address.
- The source of funds, such as bank statements, a sale contract or a tax return.
- The purpose of the payment. Say it is an investment in a U.S. real estate company.
- In some countries, a central bank or tax authority approval or a form to send currency abroad. Ask your own bank what your country requires.
Sponsors also run identity and sanctions checks. See KYC and AML in onboarding.
How do you protect yourself from wire fraud?
- Take instructions only from the signed package or the secure investor portal.
- Call the sponsor or the escrow agent on a number you found independently.
- Check that the account name matches the deal company or the escrow agent.
- Send a small test only if the sponsor agrees. Some escrow accounts do not accept test wires.
- Never change the instructions because of an email, even one that looks right.
- Ask for a written receipt when funds arrive.
What if the deal does not close?
Escrowed funds are returned to the account they came from under the escrow terms; on DoorRaise deals, DoorRaise pays the escrow's outgoing wire fee, so the full amount is sent back. Returned wires can take days, and your own bank may charge to receive them. Read the escrow terms before you wire. See money in escrow before closing and escrow.
Frequently asked questions
Can I pay by card or crypto?
Investor funds for a Regulation D deal move by wire. See other ways to pay.
Is there a minimum wire amount?
The minimum is the deal's minimum investment. Your bank may have its own limits.
Do I need to tell my bank about the investment?
Banks often ask about large international wires, so be ready with the purpose.
Can my company send the wire?
Only if the company is the investor on the subscription documents.
What if my wire is delayed?
Send the MT103 and ask your bank to trace the payment. Tell the sponsor right away.
Sources
- SEC, Private placements under Regulation D: investor bulletin
- SEC, Affinity fraud
- SEC, 10 red flags in an unregistered offering
This article is general information as of November 2026, not legal, tax or investment advice. Banking rules vary by country. Talk to your bank and an adviser. DoorRaise is not a law firm, broker-dealer, investment adviser or funding portal.