Capital that
compounds
ambition
We deploy funding in strategic phases—unlocking capital as you hit milestones. Not a loan. A partnership structured around your trajectory.
KEY TAKEAWAYS
Bankable provides revenue-based business funding from $50K to $5M with 48-hour decisions and 92% approval rates. Unlike SBA loans — which now require 100% U.S. citizen ownership as of March 2026 — Bankable funds businesses regardless of immigration status. No equity required. SSN + EIN + 3 months bank statements to qualify.
Engineered for founders who think in quarters, not days
Traditional funding is binary—you either get it all or nothing. We've redesigned capital deployment to match how ambitious businesses actually grow.
Velocity
48-hour decisions. Same-week funding. We move at the speed of opportunity because we understand that timing is often the difference between good and exceptional.
Alignment
100% non-dilutive. Your cap table remains untouched. Revenue-based terms that flex with your business—not against it.
Architecture
Capital deployed in Tranches—strategic phases that unlock as you grow. Pre-approved reserves ready when you need to move fast.
Capital that unfolds with precision
Three phases. One trajectory. Your funding evolves as you do.
Activation
Immediate capital upon approval. Launch operations, secure talent, capture time-sensitive opportunities.
Expansion
Hit your milestones, unlock more. Growth metrics automatically trigger your next funding phase.
Reserve
Pre-approved capital standing by. Access instantly when you need to pivot or scale unexpectedly.
Check your
Bankability
Discover your funding eligibility in 30 seconds. No credit check required.
Gross annual sales from last 12 months or tax return.
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FREQUENTLY ASKED QUESTIONS
Everything you need to know
about business funding
Bankable Funds is a strategic capital partner that helps growth-stage US businesses access SBA loans, business lines of credit, equipment financing, and other funding products up to $5M. Unlike traditional brokers, Bankable uses a proprietary Bankability Score to match businesses with the right lenders before submitting any application, achieving a 92% approval rate.
Bankable structures capital from $10,000 to $5,000,000 depending on your business profile. SBA 7(a) loans go up to $5M, business lines of credit from $10K to $500K, and equipment financing from $10K to $2M. The amount you qualify for depends on your revenue, time in business, credit score, and industry.
Most business loans require a personal credit score of 650–680 or higher. SBA 7(a) loans typically require 680+. Business lines of credit can be approved at 620+. Equipment financing can be approved at 600+ because the equipment serves as collateral. Bankable's Bankability Score considers credit as only one of seven factors.
Most conventional business loans require at least 2 years in business. SBA loans require a minimum of 2 years. Business lines of credit can be available after 1 year with strong revenue. Some revenue-based financing options are available after 6 months of operation with consistent monthly revenue.
Yes, some business funding options are available with credit scores below 600. Revenue-based financing, equipment loans, and certain SBA microloans consider overall business health rather than credit alone. Bankable's assessment evaluates seven factors including revenue strength, time in business, and cash flow—not just credit score.
An SBA loan is a lump-sum term loan up to $5M with fixed repayment over 10–25 years, best for large capital needs like expansion or real estate. A business line of credit is revolving capital ($10K–$500K) you draw from as needed and repay, best for working capital, payroll, and short-term cash flow needs. SBA loans have lower rates but take longer to close.
Bankable's process delivers preliminary decisions in 48 hours after application submission. Business lines of credit can fund in 3–5 business days. Equipment financing typically closes in 5–10 days. SBA 7(a) loans take 21–60 days depending on the lender. Bankable works exclusively with SBA Preferred Lenders (PLP) who have delegated authority to minimize approval time.
Collateral requirements vary by loan type. SBA loans over $500K require collateral such as real estate, equipment, or business assets. Business lines of credit under $250K are typically unsecured. Equipment financing uses the purchased equipment as collateral, making it accessible without additional assets. All SBA loans require a personal guarantee from owners with 20%+ equity.
A Bankability Score is Bankable's proprietary 0–100 assessment of how fundable your business is. It evaluates seven factors: revenue strength (35%), credit profile (30%), time in business (25%), industry risk (10%), cash flow management, collateral position, and documentation readiness. Scores of 80+ qualify for the best rates. Scores of 60–79 access a strong range of products. Below 60 indicates areas to improve before applying.
Yes. Bankable specializes in business funding for visa holders including H-1B, E-2, E-1, L-1, O-1, TN, and F-1 OPT visa holders. Most SBA loans require lawful permanent residency or citizenship, but private lenders and revenue-based options are available for work visa holders. EWI/DACA/asylum applicants may qualify through specific lender programs.
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Decision in 48 Hours.
Up to $5M · 92% approval rate · No equity required · All visa types welcome
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† Ratings and reviews as of March 2026. BBB accreditation and rating are independently verified through the Better Business Bureau. Trustpilot rating reflects verified customer reviews. Capital deployed represents cumulative funding facilitated since inception. Individual results may vary. All funding subject to qualification and approval. Bankable Capital LLC is not an SBA-approved lender.