Key Takeaways
- Bankable decisions arrive in 48 hours — faster than any SBA or bank program for emergency situations
- Equipment failure, urgent repairs, missed payroll, and lease emergencies all covered with no citizenship requirement
- Emergency capital is not predatory — Bankable structures it with transparent terms and revenue-based repayment
- DACA business owners have no emergency capital safety net from government programs — Bankable fills that gap
- Your business revenue and operating history qualify you for emergency funding — no green card needed
Business emergencies do not schedule appointments. A restaurant's walk-in cooler fails on a Friday night. A DACA contractor's only excavator breaks down mid-project. A salon floods three days before the holiday booking rush. In these moments, access to capital within 48 hours is not a luxury — it is the difference between a business that survives and one that doesn't.
Common Business Emergencies That Require Immediate Capital
- Equipment failure: Critical equipment breaking down that stops revenue production
- Facility damage: Flood, fire, or vandalism requiring immediate repairs to reopen
- Urgent payroll: Unexpected cash flow crisis threatening the ability to pay employees
- Lease emergency: Landlord demanding back rent to prevent eviction
- Supplier crisis: Key supplier requiring immediate payment to continue deliveries
- Insurance gap: Insurance lapse requiring immediate premium payment to maintain coverage
Why DACA Owners Have No Emergency Safety Net
US citizens and permanent residents facing business emergencies have multiple emergency capital options: SBA emergency programs, state small business emergency funds, and community development financial institutions (CDFIs). Many of these programs now explicitly exclude DACA recipients. Bankable has no such exclusion. When the emergency hits, you can apply, get a decision in 48 hours, and have funds in your account within days.
Emergency Capital Requirements
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no citizenship required |
| Business Revenue | $10,000+ monthly — demonstrated before the emergency |
| Business Age | 12 months of operations |
| Emergency Documentation | Repair estimate, invoice, or description of the urgent need |
| Funding Range | $10K to $500K for emergency situations |
Frequently Asked Questions
Yes. Bankable provides emergency capital to DACA business owners with no citizenship requirement. Decisions arrive in 48 hours — the fastest legitimate business funding available.
Decision in 48 hours. Funding in your account 1-3 business days after approval for urgent situations. This is significantly faster than any SBA or bank emergency program.
Equipment failure, facility damage, urgent payroll needs, lease arrears, supplier payment crises, and insurance lapses are all emergency situations that qualify for expedited review.
Applications can be submitted any time. Our review team operates Monday through Friday. Weekend applications are reviewed first thing Monday morning.
Emergency capital typically carries the same pricing as standard Bankable funding. We do not charge crisis premiums. The terms are transparent and based on your revenue profile, not the urgency of your situation.
Yes. Equipment repair capital — covering the cost of emergency repairs to keep critical equipment running — is a primary emergency use case.
If your business is temporarily closed, we review your pre-emergency revenue history. A business with strong revenue before a temporary closure is still a viable candidate for bridge capital to reopen.
Yes. Rent arrears — back rent owed to prevent eviction — are a covered emergency use case. Maintaining your business location is critical, and Bankable understands this.
Not always. Revenue-based emergency capital uses your business's revenue history as the primary underwriting factor. For larger emergency amounts, available assets can serve as additional collateral.
Yes. New clients are welcome to apply in emergency situations. We review your business's operating history and make a decision based on your revenue profile.