Does Bankable Require a Green Card?

Bankable does not require a green card. We do not require US citizenship, permanent residency, or any specific visa type. We fund businesses based on their revenue performance — not the citizenship status of their owners.

This is a deliberate design decision, not an oversight. Bankable was built specifically to serve business owners who are excluded from SBA and traditional bank lending due to citizenship requirements. E-3 holders are among our core client segments, along with TN visa holders (Canadian and Mexican professionals), E-2 visa holders (treaty investors), L-1 visa holders (intracompany transferees), and O-1 visa holders (extraordinary ability workers).

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

• Many funding sources conflate citizenship with creditworthiness — an incorrect and unfair assumption
• Some online lenders also require permanent residency — Bankable does not
• Confusing marketing language from some lenders uses 'legal resident' ambiguously
• E-3 holders need to identify lenders that genuinely don't have citizenship requirements
• Terms and conditions of some 'no green card' lenders contain hidden requirements
• Bank account requirements (US business bank account) are required but distinct from citizenship

Funding Solutions for E-3 Holders

• Revenue-Based Assessment: Bankable evaluates business bank statements and revenue history — not citizenship documents.
• E-3 Visa Acceptance: Your E-3 visa documentation is accepted as business owner identification.
• EIN-Based Business: Your US EIN (Employer Identification Number) is the business identifier — available to non-citizens.
• US Bank Account: A US business bank account is required but has no citizenship requirement to open.
• Transparent Terms: Bankable's funding agreements don't contain hidden citizenship provisions.

What Bankable Actually Requires

• US Business Entity: LLC, S-Corp, C-Corp, or sole proprietorship with US EIN
• US Business Bank Account: 3–6 months of statements from a US business account
• Minimum 6 Months in Business: With consistent monthly revenue
• Minimum Revenue: Typically $10K–$15K+ per month depending on product
• Owner Identification: E-3 visa documentation and passport are accepted

Notice that US citizenship, permanent residency, and green card are not on this list. They are genuinely not required. Bankable's underwriting model is revenue-first — we care about what your business generates, not what passport you carry.

Why Other Lenders Might Require Green Cards

Some lenders require citizenship or permanent residency for practical reasons: they primarily originate SBA loans (which require it), their internal risk models were built for citizen borrowers, or they've had collection challenges with non-citizen borrowers who leave the US. Bankable has built a model specifically designed to serve non-citizen business owners — our risk assessment accounts for visa status as a business context factor, not a disqualifier.

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