Maximum Loan Amount for
E-2 Visa Holders

Understanding the Funding Range

Bankable funds E-2 Treaty Investor visa businesses across a range from $50,000 to $5,000,000. This range accommodates the full spectrum of E-2 businesses — from a newly established E-2 enterprise generating $15,000/month that needs $75,000 for initial equipment and working capital, to an established multi-location E-2 business generating $800,000/month that needs $3,000,000 for a major expansion or acquisition.

The specific amount your business qualifies for is not determined by your visa type. It is determined by a straightforward revenue analysis based on your bank statements. Higher and more consistent revenue supports larger funding amounts. This is the same logic any reasonable lender would apply — Bankable simply applies it without the green card prerequisite that others add.

How Your Revenue Determines Your Funding Amount

Bankable's underwriting uses your monthly gross revenue as the primary input for determining funding amount. The general framework:

• Funding amounts typically range from 1x to 6x your monthly gross revenue, depending on revenue consistency, business age, industry, and tranche sequence.
• A business generating $30,000/month consistently for 12 months might qualify for $90,000-$150,000 in the first tranche.
• A business generating $200,000/month with 3+ years of history might qualify for $600,000-$1,200,000 in initial tranches.
• As your business grows and you repay initial tranches successfully, subsequent tranches can be larger — up to $5M total across all tranches.

These are illustrative ranges, not guarantees. Your actual amount is determined through our underwriting review of your specific bank statements and business profile.

The Tranche Approach to Large Amounts

For funding amounts above $500,000, Bankable deploys capital in tranches — staged portions of the total approved amount calibrated to your growth milestones. This is not a limitation; it is a strategic structure that benefits both parties.

From your perspective as an E-2 business owner, deploying large capital in stages means you only carry revenue share obligations on capital you have actually received and deployed. If your first $500,000 tranche performs well and your revenue grows, the next $500,000 or $1,000,000 tranche becomes available at favorable terms. This creates a self-reinforcing growth loop rather than a single large debt obligation from Day 1.

Tranches are not separate applications — once you are approved for a total funding amount, subsequent tranches are released through a streamlined process, often in 24-48 hours per tranche release.

Minimum Requirements by Funding Tier

No Visa-Based Cap or Penalty

It is worth stating explicitly: there is no E-2 visa penalty on your funding amount. An E-2 holder with the same revenue profile as a US citizen applying to Bankable receives the same funding offer. Your visa type is not a variable in our funding amount calculation. We do not offer E-2 holders a reduced amount due to immigration status or charge higher rates as a non-citizen surcharge.

This is different from the implicit treatment in many traditional lending channels, where non-citizen status might lead to lower approved amounts or higher rate premiums even when the lender technically allows non-citizen applicants.

Comparing Maximum Amounts Across Options

What to Do If You Need More Than $5M

For capital needs above $5M, Bankable can serve as one component of a layered capital structure. Combining Bankable revenue-based funding with seller financing (for acquisitions), commercial real estate financing from non-bank lenders, or equity investment from investors who do not have citizenship requirements can address capital needs at any scale. Our advisors can discuss how to structure a multi-source capital plan for large-scale E-2 business needs.