Key Takeaways
- E-2 business owners with consistent revenue qualify for Bankable’s revolving working capital line
- Draw capital for payroll, inventory, and operations. Repay as revenue allows.
- Lines from $50K to $2M available based on your business revenue profile
- No green card, no citizenship requirement — just 6+ months of consistent business revenue
- 48-hour decisions on working capital line applications
A working capital line of credit is the most operationally flexible financial product for a small business — and the one most commonly denied to E-2 visa holders by traditional banks. Banks require US citizen or permanent resident status, multiple years of personal tax returns, and often personal real estate collateral to secure a business line of credit. Bankable strips away these requirements and evaluates your line capacity based purely on your business revenue.
A working capital line is different from a term loan: you’re approved for a maximum draw amount, but you only pay interest or fees on what you’ve actually drawn. When your inventory order is funded, you draw $80,000. When clients pay 30 days later, you repay $80,000. The line resets. For E-2 businesses with cyclical cash flow — restaurants, retailers, service companies with B2B payment terms — a line of credit is the most efficient capital product available.
What a Working Capital Line Covers
- Payroll: Covering biweekly payroll when client collections are delayed
- Inventory: Purchasing inventory before sales revenue arrives
- Supplier payments: Maintaining trade credit relationships with suppliers by paying on time
- Unexpected costs: Emergency repairs, equipment replacement, or urgent operational expenses
- Opportunity capture: Moving quickly on a time-sensitive purchasing or business opportunity
Business Line of Credit
Complete guide to Bankable’s revolving working capital line products.
Learn More →Cash Flow Bridge
For specific one-time cash flow gaps, a bridge advance may be more appropriate.
Learn More →Frequently Asked Questions
Yes. E-2 business owners with 6+ months of consistent revenue qualify for Bankable’s revolving working capital line. No green card required.
A line of credit is revolving — you draw and repay multiple times within your approved limit. A term loan provides a lump sum repaid over a fixed period. Lines are better for operational needs; term loans are better for capital purchases.
Bankable working capital lines range from $50K to $2M. Larger businesses may access multiple facilities.
Your line size is typically set at 1-2x your monthly average revenue, depending on your business type and revenue consistency. Higher-margin, more predictable businesses qualify for larger lines.
Yes. Once approved, you can draw from your Bankable working capital line as needed, subject to your available balance.
Most approved borrowers can access funds within 1-2 business days of drawing on an established line.
Most Bankable line clients have $200K+ in annual revenue. The line size is proportional to your revenue — smaller businesses qualify for smaller lines.
Bankable can work with you to restructure your credit facility as your needs evolve. Lines and term products can be combined within a larger credit facility.