Key Takeaways
- E-2 general contractors and specialty trade contractors qualify for Bankable funding based on project revenue
- Equipment acquisition, bonding support, payroll bridging, and working capital are all eligible uses
- The March 2026 SBA rule change eliminates SBA access for non-citizen contractors — Bankable provides the alternative
- Brazilian, Mexican, Portuguese, and Eastern European E-2 holders are active construction company investors
- Funding from $200K to $5M with 48-hour preliminary decisions
Construction companies are a natural fit for E-2 visa investment: the capital requirement is substantial (equipment, tools, vehicles, bonding), the workforce is large (carpenters, laborers, project managers, estimators), and the business model is essential to the US economy. Brazilian and Portuguese investors frequently establish concrete, masonry, and general contracting businesses in the Southeast and Northeast. Mexican E-2 holders operate residential construction and landscaping companies across the Southwest. Eastern European investors build specialty trade companies in commercial construction.
The construction business creates a specific cash flow challenge: project costs — labor, materials, subcontractors — are incurred weeks or months before AIA draw payments arrive from the general contractor or owner. This working capital gap can prevent even well-run companies from taking on larger projects. Bankable’s tranche funding fills this gap precisely, allowing E-2 contractors to take on work their revenue profile supports without waiting for traditional bank relationships that require citizenship.
Construction Capital Uses for E-2 Visa Holders
- Equipment purchase: Excavators, loaders, lifts, concrete equipment, and specialty tools
- Payroll bridging: Covering worker pay between project draw cycles
- Material purchasing: Lumber, steel, concrete, and specialty materials for large projects
- Bonding support: Working capital that supports larger performance bond requirements for public contracts
- Project mobilization: Site setup, equipment mobilization, and initial costs before the first draw
Equipment Financing
Fund heavy equipment and specialized tools with asset-backed terms and faster approval.
Learn More →Construction Industry Guide
Complete capital solutions for construction businesses at every stage.
Learn More →Frequently Asked Questions
Yes. E-2 construction owners with documented project revenue and contracts qualify for Bankable funding. No green card or SBA eligibility required.
Yes. Equipment financing with the machinery as collateral is one of our most common construction products. Excavators, loaders, and specialty equipment all qualify.
We accept AIA draw schedules, executed contracts, project invoices, and bank statements showing payment deposits.
Most Bankable construction clients have $500K+ in annual project revenue. Companies with strong contracts and limited payment history may be evaluated case by case.
Yes. Working capital advances for project mobilization allow contractors to take on contracts larger than their current cash reserves support.
The business entity must hold the contractor’s license, and you as the E-2 holder must be the qualified operator. Consult your state licensing board for specific requirements.
Bankable provides working capital that supports larger bond requirements. We do not directly issue surety bonds but can improve the financial position that bonding companies evaluate.
48-hour preliminary decisions. Construction businesses with clean contract and project documentation typically fund in 5–8 business days.