Key Takeaways
- DACA recipients have passed CPA exams and operate accounting firms serving individuals and businesses
- Bankable funds CPA firm staffing, software, and practice acquisition with no citizenship requirement
- Tax season capital and year-round accounting retainers qualify for Bankable funding
- SBA accounting firm loans now closed to DACA CPAs — Bankable fills the gap with 48-hour decisions
- Your client billings and accounting retainers are your bankability — no green card needed
DACA entrepreneurs have built successful Accounting & CPA businesses across the United States. With valid Employment Authorization Documents and Social Security Numbers, they run operations, employ American workers, and pay taxes — yet face systematic exclusion from the capital markets that fund their competitors. Bankable exists to correct that.
What Accounting & CPA Businesses Fund With Capital
- Staff hiring: CPAs, staff accountants, and bookkeepers to grow client capacity
- Tax software: Intuit ProConnect, Drake, CCH Axcess, and payroll platforms
- Practice acquisition: Buying a retiring CPA's client book and practice
- Marketing: Professional website, LinkedIn, and referral program development
- Working capital: Tax season staffing and operating costs before April 15 revenue peaks
- Technology: Cloud accounting platforms, client portals, and practice management software
The SBA Gap and the Bankable Solution
The SBA's March 2026 citizen-only rule eliminated the most affordable small business lending program for DACA owners. Bankable's revenue-based tranche funding fills this gap: no citizenship required, no green card needed, 48-hour decisions. Your accounting & cpa revenue is your qualification. Learn more about SBA alternatives for DACA business owners.
Funding Requirements
| Factor | Bankable Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no green card required |
| License | CPA license recommended; unlicensed bookkeeping/accounting also fundable |
| Revenue | $10,000+ monthly from accounting services |
| Business Age | 12 months of accounting business operations |
| Funding Range | $15K to $2M based on client revenue |
Check your eligibility at bankablefunds.com/bankability-score — a 5-minute process with no commitment and no citizenship questions.
Frequently Asked Questions
Yes. DACA status with a valid EAD and SSN qualifies for Bankable funding. No citizenship or green card is required. Your accounting revenue is the primary qualification factor.
EAD card, SSN, 3 months of business bank statements, business license, and a voided business check. No green card or citizenship documentation required.
Yes. The SBA's March 2026 rule now requires all SBA loan borrowers to be US citizens or nationals, locking out DACA recipients. Bankable's revenue-based funding is the direct alternative with no citizenship requirement.
Bankable issues decisions within 48 hours of a complete application. Funding typically arrives 3–7 business days after approval.
Bankable funds up to $5M through our tranche system. Actual amounts depend on your monthly revenue and business profile.
Yes — your EAD must be current at the time of application. DACA's renewal cycle does not disqualify you — we understand the administrative process.
Yes. A revolving business line of credit is available for established businesses with consistent monthly revenue. Draw, repay, and redraw as your business cycle requires.
Revenue-based funding carries a higher rate than SBA loans. For DACA owners who cannot access the SBA program, the comparison is between Bankable's rates and no access at all. We price transparently based on your full profile.
Yes. Staffing expansion is a covered use case. Adding employees directly increases your revenue capacity and is one of the most common uses of Bankable capital.
We accept 3 months of business bank statements, POS reports, QuickBooks exports, and industry-specific revenue documentation. We look for consistent monthly revenue over your operating history.