Key Takeaways
- E-2 visa business owners in Florida qualify for Bankable funding based on business revenue — no green card required
- The March 2026 SBA rule change bars all non-citizen business owners in Florida from SBA loans — Bankable is the direct alternative
- Colombian, Venezuelan, Cuban, and Brazilian E-2 investors in Miami and the surrounding South Florida market are all eligible for Bankable funding
- Funding from $50K to $5M available for Florida businesses with 6+ months of consistent revenue
- 48-hour preliminary decisions with 92% approval rate for qualified businesses
Florida is the fourth-largest E-2 state and uniquely international in character. Miami is the Latin American gateway city — Colombian, Venezuelan, Brazilian, Argentine, and Cuban investors use E-2 visas to establish US business presence with Miami as the headquarters. The hospitality industry — hotels, vacation rentals, restaurants — is heavily E-2 invested along the entire Florida coast. Brazilian E-2 holders have built significant retail, beauty, and service businesses in Boca Raton, Pompano Beach, and Miami Lakes. The Colombian community is heavily represented in Doral.
Since March 1, 2026, every E-2 visa holder operating a business in Florida has been locked out of SBA loans. The SBA’s new ownership rule requires 100% US citizen or national ownership — a requirement that by definition excludes every E-2 visa holder, since E-2 status requires owning and operating the business. For the Florida E-2 community, this represents the elimination of one of the few structured lending options that had historically been accessible to immigrant business owners. Bankable was built specifically to fill this gap: revenue-based tranche funding up to $5M, evaluated purely on business performance, with no citizenship requirement.
E-2 Business Communities Served Across Florida
Florida’s E-2 business community spans Miami, Orlando, Tampa, Fort Lauderdale, Jacksonville, and the Gulf Coast. The most common business types include hospitality, restaurant, retail, real estate services, transportation — all sectors where E-2 investors have built substantial operations with documented revenue that Bankable can evaluate. We serve E-2 business owners across all of these communities and industry types, regardless of which city or county your business operates in.
How Bankable Evaluates Florida E-2 Businesses
Bankable’s underwriting process is identical for E-2 businesses in Florida as in every other state. We evaluate trailing 6-month revenue, average daily credit card volume (for retail, restaurant, and service businesses), or invoice and contract revenue (for B2B and professional service businesses). We issue preliminary decisions within 48 hours and typically fund within 5-7 business days for approved applications.
- Restaurant and food service: POS revenue, credit card processing history, and 6 months bank statements
- Retail and service businesses: Card processing statements, POS exports, and bank deposits
- Professional services and B2B: Signed contracts, retainer agreements, and invoice records
- Manufacturing and distribution: Purchase orders, production contracts, and bank statements
- Healthcare and professional practice: Insurance EOBs, billing records, and patient payment history
The March 2026 Impact on Florida E-2 Businesses
The SBA’s March 2026 rule change is not a nuanced policy adjustment — it is a categorical exclusion of every single E-2 visa holder from every SBA loan program, including SBA 7(a), SBA 504, and USDA Business & Industry loans. For Florida’s E-2 community, this means that entrepreneurs who built businesses worth hundreds of thousands or millions of dollars — who employ American workers, pay US taxes, and contribute to local economies — suddenly have no access to the primary small business lending program that serves their American competitors. Bankable’s revenue-based funding is the structured, institutional alternative.
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Complete guide to E-2 business funding options since the March 2026 SBA rule change.
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Specialized capital solutions for restaurant and food service E-2 businesses.
Learn More →Frequently Asked Questions
Yes. E-2 visa holders operating businesses in Florida qualify for Bankable funding based on business revenue. No green card or citizenship is required. The March 2026 SBA rule change does not affect Bankable, which operates outside the SBA program.
The most common E-2 business types in Florida include hospitality, restaurant, retail, real estate services, transportation. Each of these industries has active E-2 investor communities with documented revenue that Bankable can underwrite.
Bankable issues preliminary decisions within 48 hours for E-2 businesses in Florida. Most clients receive funded capital within 5-7 business days of approval.
Yes. Bankable has funded E-2 business owners across Florida, including businesses in Miami and surrounding markets. We understand local business conditions and community dynamics.
You need 6 months of business bank statements, 3 months of credit card processing statements (if applicable), your EIN confirmation, and your business entity documents. No immigration documents are required upfront.
No. Effective March 1, 2026, the SBA requires 100% US citizen or national ownership, which bars all E-2 visa holders regardless of state. Bankable is the primary structured alternative for E-2 businesses in Florida.
We require a minimum of 6 months of operating history and revenue. Newer businesses with strong revenue since opening may qualify on a case-by-case basis.
No. Bankable funds E-2 businesses in all 50 states. Your business location in Florida does not affect your eligibility or the funding terms.