Key Takeaways
- Bankable funds marketing and advertising budgets for DACA businesses with no citizenship requirement
- Paid ads, SEO, social media, and brand campaigns are all covered use cases
- Marketing capital creates compounding returns — every customer acquired today generates lifetime revenue
- SBA working capital (including marketing budgets) now closed to DACA owners — Bankable fills the gap
- Your existing business revenue funds the marketing that generates more revenue — no green card needed
Marketing is not an expense — it is an investment with a measurable return. A DACA restaurant owner spending $3,000/month on Google Ads acquires 30 new customers per month. At a $50 average check and 8 visits per year, those 30 customers generate $144,000 in annual revenue. That $36,000 in annual marketing spend produces a 4x return — every year, as long as the ads run. Bankable funds that investment without asking for your passport.
What Marketing Capital Covers
- Paid digital advertising: Google Ads, Meta Ads, TikTok, YouTube — pay-per-click customer acquisition
- Search engine optimization: Content creation, link building, and technical SEO that drives organic traffic
- Social media: Content creation, influencer partnerships, community management
- Brand development: Logo, website, photography, video content for a professional brand presence
- Traditional advertising: Local radio, direct mail, community sponsorships, outdoor advertising
- Agency retainers: Hiring a marketing agency to manage campaigns and strategy
Marketing Capital as an ROI Investment
Bankable evaluates marketing capital differently from equipment or inventory loans. We look at your business's current revenue and customer acquisition metrics to estimate the ROI of marketing investment. A cleaning business with $15,000/month revenue that can demonstrate a $200 customer acquisition cost and $2,400 lifetime customer value supports a strong case for marketing capital — the math shows clear return.
Requirements for DACA Marketing Budget Funding
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no citizenship required |
| Business Revenue | $10,000+ monthly from existing operations |
| Business Age | 12 months of operating history |
| Marketing Use | Customer acquisition, brand building, or retention campaigns |
| Funding Range | $10K to $500K for marketing capital tranches |
Frequently Asked Questions
Yes. Marketing and advertising budgets are a covered use case for Bankable funding. No citizenship required — your existing revenue and growth potential are the qualification factors.
Paid digital advertising (Google, Meta, TikTok), SEO, social media, traditional advertising, brand development, website build, and agency retainers are all covered.
Marketing tranches typically range from $10K to $500K depending on your business size and marketing ROI projections. Businesses with clear customer acquisition metrics can access larger tranches.
Yes. Agency retainer fees are a covered use case. A marketing agency managing your campaigns can be funded as part of your operating cost structure.
Repayment is from total business revenue as a percentage, not specifically from marketing-generated revenue. But the expectation is that marketing investment increases total revenue, making repayment easier.
Yes. Paid digital advertising for local businesses — including restaurants — is a primary use case. Google Local Ads and Meta Ads for restaurant customer acquisition are both fundable.
Yes. Website development — including e-commerce sites, restaurant booking sites, and service business websites — is a covered use case as a foundational marketing asset.
Bankable decisions arrive in 48 hours. Funding is available 3-7 business days after approval. This speed matters for time-sensitive campaign launches.
Yes. Trade show booth fees, travel, sample production, and collateral for industry events are covered marketing expenses.
Repayment is based on actual revenue, which adjusts if revenue doesn't grow as projected. We recommend starting with a smaller marketing tranche and scaling up as ROI is demonstrated.