Key Takeaways
- Bankable provides revolving working capital lines of credit for DACA businesses — no citizenship required
- Draw when needed, repay as revenue arrives, redraw for the next business cycle
- Working capital lines are ideal for businesses with variable monthly expenses and recurring revenue
- SBA working capital programs now closed to DACA owners — Bankable's revolving line fills the gap
- Your monthly revenue history determines your credit limit — no green card, no citizenship paperwork
A working capital line of credit is the most flexible tool in a business owner's financial arsenal. Unlike a term loan — which provides a fixed amount with fixed payments — a revolving line lets you draw capital when you need it, repay it as revenue arrives, and draw again for the next need. For DACA business owners managing variable monthly expenses against inconsistent revenue, this flexibility is exactly right.
How a Revolving Working Capital Line Works
Bankable establishes a credit limit based on your monthly revenue — typically 1-2 months of gross revenue. Within that limit, you can draw capital at any time for any business operating expense. Repayment reduces your outstanding balance, and the available credit is restored. You only pay interest or fees on what you actually draw, not on the full credit limit.
Best Uses for a Working Capital Line
- Payroll smoothing: Cover weekly payroll against monthly client billing cycles
- Inventory replenishment: Restock as products sell rather than bulk-buying infrequently
- Supplier payments: Pay suppliers on their terms without disrupting your cash position
- Opportunity capture: Move quickly on a time-sensitive business opportunity
- Emergency buffer: Have capital available without waiting for an approval process each time
- Seasonal smoothing: Draw during slow months, repay during peak revenue periods
Working Capital Line Requirements
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no citizenship required |
| Monthly Revenue | $15,000+ monthly business revenue |
| Business Age | 12+ months of operations |
| Credit Limit | Typically 1-2 months of gross monthly revenue |
| Draw Flexibility | Draw any amount up to your limit at any time |
Apply for your working capital line at bankablefunds.com/bankability-score — 5 minutes, no commitment, no citizenship questions. A dedicated account team member will structure your line based on your specific business needs.
Frequently Asked Questions
Yes. Bankable provides revolving business lines of credit to DACA owners with EAD and SSN. Your business revenue determines your credit limit — no citizenship required.
A business loan provides a fixed amount with fixed payments. A working capital line lets you draw up to your limit, repay, and redraw — paying only on what you actually use.
Your average monthly revenue over the past 3-12 months is the primary factor. Bankable typically establishes credit limits of 1-2 months of gross monthly revenue for established businesses.
Yes. Working capital lines fund any legitimate business operating expense — payroll, rent, inventory, marketing, insurance, supplies, and more.
After your line is established, draws are typically available within 1-2 business days of the request. The initial approval process takes 48 hours.
You pay only on what you draw. If your credit limit is $100,000 but you have only drawn $30,000, your interest or fee accrues on $30,000.
Yes. As your monthly revenue grows, your credit limit can be reviewed and increased. Bankable tracks your business performance and proactively discusses limit increases with qualifying clients.
Yes. Many business owners establish a working capital line before they need it, keeping it available as an emergency reserve without drawing on it until needed.
Not always. Revenue-based working capital lines use your business revenue as the primary underwriting factor. For larger limits, additional collateral can improve terms.
Yes. Many Bankable clients combine a revolving working capital line for operational flexibility with a specific-purpose tranche for a major investment like equipment or expansion.