E-3 Visa Accounting & CPA Firm Business Capital

Australian accountants in the US have navigated a credentialing process that demonstrates their competence — CPA exam completion, US GAAP familiarity, and state licensure requirements. Many Australian-trained accountants find that their technical skills, professional standards, and client service approach are highly valued in US accounting markets.

Accounting firms generate recurring revenue from monthly bookkeeping clients, annual tax preparation, and ongoing advisory retainers. This recurring revenue base is exactly what Bankable's underwriting model is designed to evaluate. No SBA, no green card — just revenue-based capital for accounting businesses.

The E-3 Funding Barrier

The SBA's 100% citizen/national ownership rule disqualifies every E-3 holder from government-backed loans — regardless of how long you've been in the US, how profitable your business is, or how strong your credit score is. Banks that primarily originate SBA loans have no viable product to offer you. That's not a reflection of your business quality; it's a policy gap that Bankable was built to bridge.

Revenue-based funding through Bankable requires no green card, no citizenship, and no SBA involvement. What matters: your business generates consistent revenue, has been operating for at least 6 months, and has a US business bank account. That's the core of what we evaluate. Check your Bankability Score to see your options in minutes.

Challenges in This Sector

• SBA professional services loans unavailable to E-3 holders
• Staff CPA and senior accountant salaries are substantial
• Tax season creates significant working capital demands for staffing and technology
• Accounting software licenses (QuickBooks, Xero, tax software) are ongoing costs
• Building a small business client base requires BD investment
• Practice acquisition (buying an existing CPA book of business) requires significant upfront capital

Funding Solutions for E-3 Holders

• Tax Season Capital: Fund seasonal staffing and technology for tax preparation periods.
• Practice Acquisition: Fund purchase of existing client books based on recurring revenue.
• Team Expansion: Hire staff CPAs and bookkeepers as client base grows.
• Technology Investment: Accounting and tax software infrastructure.
• Working Capital: Bridge payroll between monthly client billing cycles.

CPA Firm Revenue at Bankable

A CPA firm with 50 monthly bookkeeping clients at $500/month average, plus annual tax preparation revenue, generates $25K+/month in recurring income with seasonal upside. Client retention in accounting is typically 90%+ — clients rarely switch accountants absent a specific issue. This high retention makes accounting firm revenue very predictable and fundable.

Capital Products Available