Key Takeaways
- Bankable funds DACA businesses up to $5M — the same maximum as SBA 7(a) loans, without the citizenship requirement
- Your maximum loan amount is determined by your monthly revenue — not by your immigration status
- Initial tranches are typically 1-3 months of gross monthly revenue; subsequent tranches can be larger
- There is no DACA-specific cap at Bankable — you qualify for the same amounts as any other business owner
- Revenue growth unlocks larger tranches — as your business scales, your funding capacity scales with it
DACA status does not impose any cap on the amount you can borrow from Bankable. Your maximum funding amount is determined entirely by your business's monthly revenue and financial profile — the same criteria applied to every business owner regardless of immigration status.
How Bankable Determines Your Maximum Amount
Bankable's funding capacity formula considers:
- Monthly gross revenue: The primary factor. Typical initial tranches are 1-3 months of gross monthly revenue.
- Revenue consistency: Stable or growing revenue supports larger tranches than volatile revenue.
- Industry: Some industries support higher multiples based on their revenue predictability and asset values.
- Business age: Longer operating history supports larger tranches.
- Existing debt: Current debt service obligations are factored into the sustainable repayment calculation.
- Collateral: Equipment, real estate, and other assets can support larger amounts.
Sample Maximum Amounts by Revenue Level
| Monthly Revenue | Typical Initial Tranche | Maximum Potential (All Tranches) |
|---|---|---|
| $15,000/month | $25K-$45K | $150K |
| $30,000/month | $50K-$90K | $350K |
| $75,000/month | $100K-$225K | $1M |
| $150,000/month | $200K-$450K | $2M+ |
| $400,000/month | $500K-$1.2M | $5M |
These are representative ranges. Actual amounts depend on your specific business profile. Check your actual maximum at bankablefunds.com/bankability-score.
Frequently Asked Questions
Bankable funds up to $5M. There is no DACA-specific cap — your maximum is determined by your monthly revenue and business profile, exactly the same as any other business owner.
At $50,000 monthly revenue, an initial tranche of $75K-$150K is typical. Total potential through multiple tranches can reach $500K-$1M for a business at this revenue level.
Bankable's smallest tranches start at approximately $15,000. For businesses with $10,000-$15,000 monthly revenue, a smaller initial tranche may be the right starting point.
Yes. Bankable's tranche model is designed for multiple sequential funding rounds. As you successfully deploy and repay earlier tranches, your demonstrated track record supports larger subsequent tranches.
No. DACA status has zero effect on your maximum funding amount at Bankable. Your revenue, business age, and financial profile are the only determinants.
Yes. DACA businesses with $75,000+ monthly revenue are candidates for $1M+ in total tranche funding. The first tranche might be $200K-$350K, with subsequent tranches available as milestones are hit.
$5M is Bankable's current maximum. For businesses requiring more than $5M in capital, a combination of Bankable funding and other capital sources (conventional commercial lending, private equity) may be the right structure.
Yes. Equipment, real estate, or other assets can serve as additional collateral, potentially supporting larger tranches than revenue alone would justify.
Yes. Successful repayment of earlier tranches, combined with revenue growth, typically supports larger subsequent tranches. Positive payment history is a strong factor in subsequent tranche decisions.
Personal credit is one factor in the underwriting process. A higher credit score can support larger amounts; a lower score may result in a smaller initial tranche that grows as you demonstrate repayment performance.