Key Takeaways
- 48-hour decisions for emergency capital situations
- Equipment failure, unexpected costs, and cash crunches all addressed
- SBA emergency programs unavailable to E-3 holders
- Revenue-based advance requires only 3–6 months of bank statements
- Funds typically arrive within 3–5 business days of approval
Business emergencies don't wait for ideal timing. Equipment failures can shut down operations entirely. Unexpected tax obligations create immediate cash needs. A key supplier's payment terms change overnight. A major client pays late, creating a payroll crisis. These situations require fast capital — not a 45-day SBA processing timeline.
Bankable's 48-hour decision process is designed for exactly these situations. We review your recent bank statements, confirm your business is operating, and make a decision within 48 hours. If approved, funds arrive within 3–5 business days. For genuine emergencies, this speed is the core value proposition — not just compared to SBA, but compared to any traditional lender. No green card required.
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 Emergency Capital programs require citizenship — unavailable to E-3 holders
- Equipment failures cost more the longer they go unfixed (downtime = lost revenue)
- Tax obligations have strict deadlines with significant penalties for delay
- Payroll crises damage staff trust and create retention problems
- Traditional bank emergency loans have 30–60 day processing timelines
- Predatory emergency lenders (daily ACH with very high rates) are abundant — identify good lenders quickly
Funding Solutions for E-3 Holders
- Emergency Working Capital: 48-hour decision, funds in 3–5 days for urgent needs.
- Equipment Emergency: Quick capital for critical equipment repair or replacement.
- Tax Obligation Bridge: Cover urgent tax liabilities with structured repayment.
- Payroll Emergency: Ensure payroll is funded when client payments are late.
- Supplier Emergency: Maintain supplier relationships by meeting unexpected payment demands.
What to Prepare for an Emergency Application
To get the fastest possible decision on an emergency capital request, have ready: (1) your most recent 3–6 months of business bank statements, (2) your EIN and basic business information, (3) a brief description of the emergency and how the capital will be used. That's all Bankable needs for an initial decision. Start at bankablefunds.com/bankability-score/ or call (786) 443-5511 directly for urgent situations.
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
Decisions within 48 hours of complete application. Funds 3–5 business days after approval.
Equipment failure, unexpected tax obligations, payroll shortfalls, urgent supplier payments, and any situation requiring capital faster than traditional lenders can provide.
Same-day funding is not standard. Our 48-hour decision process is among the fastest in the industry, with funds arriving 3–5 days after approval.
Typically $10K+/month in consistent revenue over the past 3 months.
No — a general business lien is the only security requirement for working capital advances.
Yes. Tax obligation bridges are a valid emergency capital use.
Bankable requires revenue-positive businesses. Businesses experiencing fundamental profitability problems need different assistance.
Yes. Equipment repair costs are a valid emergency use case.
Emergency capital is priced at our standard rates — we don't charge premium pricing for urgent situations.
Avoid daily ACH lenders with triple-digit effective APRs. These can create debt spirals. Bankable's revenue-based advances are structured to be affordable.