Key Takeaways
- DACA-led construction crews have rebuilt communities across the Southwest and beyond — they need capital access to match their output
- Bankable funds general contractors, subcontractors, and specialty trades with no citizenship requirement
- Equipment financing, working capital, and bonding support all available through Bankable's tranche structure
- SBA construction loans closed to DACA owners in March 2026 — Bankable is the direct alternative
- Your construction revenue and active contracts are your bankability — 48-hour decisions, no green card required
Walk through any major construction project in California, Texas, Arizona, or Illinois and you'll find DACA recipients at every level — laborers, foremen, project managers, and increasingly, subcontractors and general contractors running their own companies. DACA-led construction firms have managed commercial buildouts, residential developments, and infrastructure projects worth millions. They employ American workers, pay taxes, and build the physical structures of American communities. Bankable believes they deserve capital on equal terms.
Construction Capital Use Cases
- Equipment: Excavators, cranes, scaffolding, concrete mixers, specialty tools
- Payroll bridge: Pay workers weekly while waiting 30–90 days for GC or owner payment
- Materials purchasing: Lumber, steel, concrete, and specialty materials for active projects
- Bonding support: Performance bond premiums for larger commercial contracts
- Working capital: Operating costs during project mobilization before first draw
- Truck and vehicle fleet: Work trucks, flatbeds, and specialized transport vehicles
The Construction Cash Flow Challenge
Construction has one of the most punishing cash flow structures of any industry. A subcontractor completes $500K of work, then waits 60–90 days for payment while simultaneously mobilizing on the next project. Bankable's working capital tranche funds this gap — keeping your crews working and your business growing while receivables clear.
Requirements for DACA Construction Funding
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no green card or citizenship required |
| Contractor License | Valid state contractor license recommended but not always required |
| Monthly Revenue | $20,000+ monthly from construction contracts |
| Business Age | 12 months of construction business operations |
| Funding Range | $50K to $5M depending on contract backlog and revenue |
Frequently Asked Questions
Yes. DACA recipients can obtain contractor licenses, operate construction businesses, and employ workers. The licensing process varies by state but is based on competency and bonding, not citizenship.
Yes. Excavators, lifts, compactors, concrete equipment, and specialty tools are all fundable. Equipment serves as additional collateral, often improving funding terms significantly.
Working capital tranches fund the gap between project completion and GC payment. We structure repayment around your expected payment dates from general contractors or project owners.
Yes. Performance bond and payment bond premiums are a covered use case. For subcontractors pursuing commercial contracts that require bonding, Bankable can fund the premium costs.
General contracting, concrete, framing, electrical, plumbing, HVAC, roofing, drywall, painting, landscaping, and specialty trade contractors are all fundable. Any licensed, revenue-generating construction business qualifies.
Yes. Working capital is underwritten based on your business's monthly revenue history and contract backlog, not a specific project. We fund the business, not just individual jobs.
Yes. Material purchasing — lumber, steel, concrete, electrical components — is a covered use case. We can structure a materials line that aligns with your project billing cycle.
Yes. Seasonal capital for construction businesses is available. We look at annual revenue patterns and can structure repayment around your high-revenue spring through fall period.
Government contracts are strong revenue documentation. Federal and state infrastructure contracts are accepted. Some government contracts may have citizenship clauses — verify your specific contract terms.
Bank statements, AIA payment applications, completed project invoices, and contracts are all accepted. We review 3–12 months of revenue history alongside your current project backlog.