Key Takeaways
- E-2 retail store owners qualify for Bankable funding based on POS and credit card processing revenue
- Inventory financing, second location buildout, and renovation capital are all eligible uses
- The March 2026 SBA rule change blocked non-citizen retail owners from SBA loans — Bankable fills this gap
- Korean, Chinese, Indian, and Turkish E-2 holders operate thousands of US retail businesses
- Funding from $50K to $5M with 48-hour preliminary decisions
Retail stores represent one of the most common E-2 visa investment categories, particularly among South Korean investors who have built dominant retail corridors in Los Angeles (Koreatown), New York (Flushing), and suburban markets across New Jersey, Georgia, and Texas. A specialty retail store — a Korean beauty supply shop, a Japanese stationery store, an Indian jewelry boutique, a Turkish textile import shop — can generate $500K–1.5M in annual revenue from a well-located storefront with modest square footage.
The retail business model maps naturally to Bankable’s revenue-based funding. Your POS system tracks every transaction. Credit card processing statements provide daily revenue verification. Bankable’s underwriters can assess your revenue trends, seasonal patterns, and growth trajectory from 6 months of processing statements alone. No physical inventory audit, no real estate appraisal, no bank approval committee with immigration concerns.
Retail Capital Uses for E-2 Visa Holders
- Inventory purchasing: Pre-season buys that require capital before revenue arrives, particularly for import-dependent retail
- Second location buildout: Leasehold improvements, fixtures, and opening inventory for your expansion
- Store renovation: Updating your retail environment to compete with newer concepts and improve customer experience
- E-commerce integration: Building an online presence to supplement brick-and-mortar revenue
- Lease deposit: Securing a better-located space when the opportunity arises
Inventory Financing
Fund seasonal and import inventory purchases before revenue arrives. Repay as product sells.
Apply Now →Second Location Capital
Fund your expansion with revenue from your existing store as the qualification basis.
Learn More →Working Capital Line
Revolving access for cash flow management between inventory purchase and sale cycles.
Learn More →Frequently Asked Questions
Yes. E-2 retail owners with documented POS and card processing revenue qualify for Bankable funding. No green card or SBA eligibility required.
Most Bankable retail clients have $300K+ in annual revenue. We evaluate trailing 6-month averages for consistency.
Yes. Import-dependent and seasonal retailers frequently use Bankable for inventory financing. We advance capital before inventory arrives and structure repayment as product sells.
Yes. Korean beauty supply, Chinese import goods, Indian ethnic retail, and similar import-dependent businesses are common Bankable clients.
We accept credit card processing statements, POS system exports, and bank statements. Most retail businesses have clean card processing documentation.
Yes. Second location buildouts typically require $100K–$400K. Bankable can structure a tranche based on your existing store’s revenue.
E-2 visas renew routinely for active businesses. Bankable’s funding is a business obligation, not a personal visa-tied debt. Renewal does not affect repayment.
Yes. Purchase order financing and inventory advances are available for retailers with established supplier relationships and documented past revenue.