Key Takeaways
- E-2 business owners facing seasonal gaps, invoice delays, or growth-stage cash shortfalls qualify for Bankable bridge funding
- Seasonal restaurant slowdowns, B2B invoice waiting periods, and rapid growth scenarios are all eligible
- Bridge funding is structured as short-term revenue-based advances with flexible repayment
- No green card required — Bankable evaluates business revenue and cash flow patterns
- Funding from $25K to $5M with 48-hour preliminary decisions
Every successful business eventually faces a cash flow gap. For E-2 businesses, these gaps often come at critical moments: the January and February slow period after a strong holiday restaurant season, the 60-day gap between signing a large consulting contract and receiving the first invoice payment, the rapid summer growth that a landscaping company can’t fund entirely from operating cash. These are not signs of business failure — they are the structural realities of seasonal, invoice-based, and high-growth businesses that even the most successful operators navigate.
The problem for E-2 business owners is that the traditional bridge lending options are mostly unavailable. Banks require citizenship or permanent residency for most business lines of credit. The SBA’s working capital programs are now completely off-limits. Personal credit lines secured against real estate assume you have US real estate with substantial equity. Bankable is the bridge: revenue-based short-term advances structured around your actual cash flow patterns, with repayment tied to your revenue as it recovers.
Common Cash Flow Bridge Scenarios
- Seasonal restaurant slowdown: January-February in northern markets when revenue drops 30-50% from holiday peaks
- B2B invoice delay: 60-90 day payment terms from corporate clients that create payroll gaps
- Rapid growth capital: When new contracts require upfront labor and material costs before invoices
- Tax payment: Quarterly estimated tax payments that create temporary cash pressure
- Rent renewal: Annual rent increases that require adjusting to higher fixed costs before revenue catches up
Working Capital Line
Revolving access to bridge capital that draws and repays as cash flow cycles.
Learn More →Frequently Asked Questions
Yes. E-2 businesses with documented revenue and identified cash flow gaps qualify for Bankable bridge funding. No green card required.
Bankable issues preliminary decisions within 48 hours. Bridge funding is typically the fastest product to approve because it’s based on existing revenue rather than projections.
Seasonal revenue patterns, B2B invoice delays, payroll ahead of client payment, inventory purchases before sales, and tax payments are the most common causes.
No. MCAs charge factor rates of 1.2–1.5x with daily ACH debits. Bankable’s bridge funding is structured with transparent terms and flexible repayment tied to your revenue pattern.
Bridge advances are typically structured for 3-12 months, aligned to the specific cash flow cycle that created the gap.
Yes. Invoice delay bridges are one of the most common uses. We advance against your documented trailing revenue while you wait for client payment.
Most Bankable bridge clients have $200K+ in annual revenue with a documented pattern of cash flow gaps.
Yes. Rent, payroll, utilities, and other fixed operating costs are eligible uses of bridge working capital.