Key Takeaways
- Invoice float — the gap between billing and payment — is the most common capital problem
- No green card required — revenue-based bridge financing available
- Cover payroll, rent, supplier payments, and operating costs between client payments
- Repayment automatically timed to your incoming revenue
- 48-hour decisions
Cash flow gaps are the most common cause of business stress for asylee entrepreneurs — not lack of revenue, but lack of timing between revenue earned and revenue received. You clean the office building in January; they pay in March. You deliver the construction work in December; the GC pays in February. You treat the patient in October; Medicare pays in December. The business is profitable on paper but struggling for cash. Bankable bridges that gap.
Who Cash Flow Bridges Are For
- Service businesses with Net 30/60/90 invoicing: construction, cleaning, security, consulting, IT services
- Healthcare practices with insurance billing cycles
- Government contractors with slow-paying agencies
- Seasonal businesses with off-peak payroll obligations
- Growing businesses that won a new contract but need to staff up before the first payment
How the Bridge Works
Bankable advances capital based on your trailing 3-6 months of bank deposits. Repayment is automatically deducted as a percentage of your incoming bank deposits — so when your clients pay, repayment accelerates. When the pipeline is slow, repayment slows. There is no risk of a fixed monthly payment landing on a day when your account is empty because a client paid late.
Cash Flow vs. Invoice Factoring
Invoice factoring — selling specific invoices to a factoring company — is an alternative that some asylee businesses use. It requires no immigration status documentation. Bankable's cash flow bridge is broader: it provides capital against your overall revenue pattern, not specific invoices, and does not require notifying your clients that their invoice has been sold to a third party.
Frequently Asked Questions
A cash flow bridge is short-term working capital that covers operating expenses during the gap between when you earn revenue and when you receive payment. Asylee businesses need it because traditional banks won't provide lines of credit without a green card.
Bankable provides revenue-based working capital advances that function similarly to a line of credit. Traditional bank credit lines typically require permanent residence. See our working capital line page.
Decision within 48 hours. Funds in 3-5 business days.
At least $10,000/month in business revenue, 6 months operating, US entity, EAD.
Yes. Payroll is the most critical cash flow need and a primary use of bridge funding.
Invoice factoring is available to asylees and has no immigration status requirements. It works differently from Bankable — you sell specific invoices rather than receiving a general advance.
Bankable's revenue-based funding does not require a hard credit pull and does not affect your personal credit score in the same way as traditional loans.
Yes. Many Bankable clients renew their working capital advances on a rolling basis as they repay.