Key Takeaways
- Bankable provides revolving business lines of credit to DACA entrepreneurs with no citizenship requirement
- Draw when needed, repay as revenue arrives, redraw for the next business cycle — true revolving access
- Credit limits based on your monthly revenue — not your passport or immigration status
- SBA working capital lines now closed to DACA owners — Bankable's revolving line fills the gap
- 48-hour approval — access your credit line within days, not the weeks or months banks require
A business line of credit is the most flexible financial tool available to a business owner. Unlike a term loan — which gives you a fixed amount with fixed payments — a revolving credit line lets you draw capital when you need it, in the amount you need, repay it, and draw again. For DACA business owners managing the real-world variability of business cash flow, this flexibility is exactly right.
How Bankable's Business Line of Credit Works
- Approval: Bankable establishes your credit limit based on monthly revenue — typically 1-2 months of gross revenue
- Draw: Request funds from your credit line any time for any business operating expense
- Use: Funds arrive in your business account within 1-2 business days of your draw request
- Repay: Repayment is revenue-based — a percentage of monthly revenue reduces your balance
- Redraw: As your balance decreases, your available credit is restored — draw again for the next need
Best Uses for a DACA Business Line of Credit
- Payroll smoothing: Cover Friday payroll against Tuesday's customer payments
- Inventory replenishment: Restock continuously rather than depleting reserves with one large purchase
- Seasonal bridge: Draw during slow months, repay during peak revenue periods
- Opportunity capital: Move quickly on a time-sensitive business opportunity without depleting reserves
- Emergency reserve: Have capital ready without waiting for a new approval each time you need it
- Client payment delays: Cover operations while waiting for slow-paying clients
Credit Line Requirements for DACA Business Owners
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no green card required |
| Monthly Revenue | $15,000+ monthly business revenue |
| Business Age | 12+ months of consistent operations |
| Credit Limit | 1-2 months of gross monthly revenue, typically |
| Max Line | Up to $5M for established businesses with high monthly revenue |
Apply for your revolving business line of credit at bankablefunds.com/bankability-score. Five minutes. No citizenship questions. A real decision in 48 hours.
Frequently Asked Questions
Yes. Bankable provides revolving business lines of credit to DACA entrepreneurs with no citizenship requirement. Your business revenue determines your credit limit.
A term loan provides a fixed amount with fixed payments. A revolving line lets you draw, repay, and redraw up to your credit limit — paying only on what you actually use at any given time.
Your average monthly gross revenue over the past 3-12 months is the primary factor. Bankable typically establishes credit limits of 1-2 months of gross monthly revenue for established businesses.
Yes. Payroll is one of the most common uses of a business line of credit. Draw for Friday's payroll, repay when your customers pay you — that is exactly what a line of credit is designed for.
After your line is approved (48-hour process), funds from individual draws are typically available within 1-2 business days.
Yes. As you repay the outstanding balance, your available credit is restored. You can draw and repay repeatedly up to your credit limit without reapplying.
Yes. Many DACA business owners combine a revolving line of credit for operational flexibility with a specific-purpose tranche for a major investment like equipment, expansion, or acquisition.
Bankable checks both personal and business credit during the application process. The business line reports to business credit bureaus — building your business credit profile with timely repayments.
Using your full credit limit pauses your ability to draw until you make repayments that restore available credit. We recommend keeping some credit available as a reserve rather than fully utilizing the limit at all times.
Yes. As your monthly revenue grows, your credit limit can be reviewed and increased. Bankable tracks your business performance and discusses limit increases with qualifying clients proactively.