Key Takeaways
- Bankable bridges the cash flow gap for DACA businesses with no citizenship requirement
- Payroll, rent, materials, and overhead all covered while waiting on slow-paying customers
- Construction, consulting, healthcare, and service businesses face this gap constantly — we fund the solution
- SBA working capital loans now closed to DACA owners — Bankable's 48-hour bridge fills the gap
- Your outstanding invoices and revenue history are your bankability — no green card needed
The cash flow gap is one of the most common threats facing small businesses — and it has nothing to do with the business being unsuccessful. A DACA contractor who just completed $200,000 of work is waiting 60 days to get paid while simultaneously needing to pay employees this Friday, buy materials for the next project, and cover rent next week. The work is done. The payment is coming. The problem is timing. Bankable solves the timing problem.
Why Cash Flow Gaps Happen
Cash flow gaps are structural features of many industries, not signs of business failure:
- Construction and contracting: Net-30 to Net-90 payment terms with GCs and project owners
- Consulting and professional services: Monthly retainers paid 15-30 days after billing
- Healthcare and medical: Insurance reimbursements arrive 45-90 days after patient visits
- Staffing and cleaning services: Weekly payroll against monthly client billing
- Trucking and logistics: Weekly operating costs against 30-60 day freight payments
- Seasonal businesses: Year-round fixed costs against concentrated revenue periods
How Bankable's Bridge Capital Works
A cash flow bridge tranche from Bankable provides immediate working capital — typically 1-2 months of operating costs — while your outstanding invoices or receivables clear. Repayment begins when your customers pay, structured as a percentage of monthly revenue. This is not a payday loan for businesses: it is structured, affordable bridge capital with transparent terms.
Requirements for Cash Flow Bridge Funding
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no citizenship required |
| Business Revenue | $15,000+ monthly average (including slow periods) |
| Outstanding Receivables | Documented invoices or contracts showing expected payments |
| Business Age | 12 months of operations |
| Funding Range | $15K to $1M depending on monthly revenue and receivables |
Frequently Asked Questions
Yes. Cash flow bridge capital is available to DACA business owners with EAD and SSN. Your outstanding receivables and revenue history are the primary qualification factors.
It covers operating costs — payroll, rent, materials, insurance — while waiting for customer payments to arrive. It is not used to fund new growth, but to sustain existing operations during payment delays.
Invoice factoring advances 80-90% of invoice value with a 2-5% fee per invoice. Bankable's bridge capital provides a working capital tranche at a set rate, often more cost-effective for businesses with consistent monthly revenue.
Yes. If your business has consistent monthly revenue with predictable payment timing, we can structure a revolving bridge line rather than a specific invoice-tied tranche.
48-hour decisions with funding available 3-7 business days after approval. For urgent payroll situations, we can often expedite the review process.
Yes. Payroll is the most common use of cash flow bridge capital. Missing payroll is damaging to employee relationships and business reputation — bridge capital prevents it.
Yes. The 45-90 day insurance reimbursement cycle is a textbook cash flow gap. Bankable's bridge capital is ideal for medical practices, dental offices, and therapy practices facing this challenge.
No. A merchant cash advance (MCA) is a purchase of future receivables at a discount, with daily automatic repayments. Bankable's bridge capital is a structured tranche with revenue-based monthly repayment — typically more flexible and lower cost.
Yes. A revolving business line of credit is ideal for businesses with recurring cash flow gaps. Draw when needed, repay when customer payments arrive, and redraw for the next cycle.
Seasonal bridge capital — covering the off-season before peak revenue returns — is a covered use case. We structure repayment around your high-revenue season.