Key Takeaways
- Cash flow bridges for AR float, invoice gaps, and project payment timing are fundable
- SBA working capital programs unavailable to E-3 holders
- Revenue-based repayment means payments flex with your actual cash flow
- Bankable funds cash flow bridges for businesses with proven revenue
- 48-hour decisions up to $2M
Cash flow timing mismatches are the most common cause of business stress — and they have nothing to do with your business being unhealthy. A profitable business can have negative cash flow in a given month simply because client payments are 45 days behind expenses. This timing gap is what cash flow bridge funding is designed to solve.
Bankable evaluates your revenue history and the predictability of your receivables. If your business consistently generates revenue but that revenue arrives on a lag, a cash flow bridge advances against your future receivables to smooth your operations. No SBA, no green card requirement — just a bridge between your expenses and your revenue.
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
- Net-30 to Net-90 client payment terms create systematic cash flow gaps
- Project milestone payments create lumpy cash flow even in profitable businesses
- Payroll must be funded weekly or bi-weekly regardless of when clients pay
- Supplier payments are often due before client revenue arrives
- Seasonal businesses have predictable but significant off-peak cash crunches
- SBA working capital programs are unavailable to E-3 holders for bridging needs
Funding Solutions for E-3 Holders
- AR Bridge: Advance against confirmed receivables from creditworthy clients.
- Project Gap Bridge: Cover operating costs between project milestone payments.
- Payroll Bridge: Ensure payroll is funded regardless of client payment timing.
- Seasonal Bridge: Cover off-peak operating costs against strong-season revenue.
- Supplier Pre-Payment: Fund supplier payments before client revenue arrives.
When to Use a Cash Flow Bridge
Cash flow bridges are appropriate when: (1) your business is profitable on paper but cash is consistently tight, (2) you have confirmed receivables from creditworthy clients that will pay within 60–90 days, (3) the gap is predictable and recurring rather than a one-time crisis. Bridges are not appropriate for businesses with fundamental profitability problems — those require a different kind of restructuring help.
Capital Products Available
Revenue-Based Funding
Up to $5M based on your monthly revenue. No green card, no SBA. 48-hour decisions.
Apply Now →Equipment Financing
Asset-backed funding for equipment — available to non-citizen business owners.
Check Eligibility →Frequently Asked Questions
Not exactly. Bankable's working capital bridges AR float but doesn't require assignment of specific invoices the way factoring does.
Yes. Payroll timing bridges are a primary use case.
Typically $10K+/month in consistent revenue with clear AR patterns.
You repay as a percentage of daily revenue — when clients pay you, a portion flows to Bankable automatically.
Yes. One-time slow periods (seasonal, project gap) are valid bridge use cases.
48-hour decisions. Funds in 3–5 business days — fast enough for most urgent gaps.
Late receivables affect your cash flow but revenue-based repayments flex with actual collections.
Yes. Bridges against specific confirmed large contract payments are a common use case.
Similar in function. Bankable's working capital advance is a lump-sum bridge; a line of credit lets you draw as needed. We offer both structures.
Up to $2M. Bridges are sized to your monthly revenue and the nature of the AR gap.