Key Takeaways
- Bankable funds E-3 holder businesses up to $5M
- Your specific limit is calculated as a multiple of your monthly revenue
- Working capital: typically 1–2x monthly revenue
- Growth capital: up to 4–6x monthly revenue for high-performing businesses
- Equipment financing: up to 90% of equipment value, up to $5M
The maximum business loan amount for E-3 holders through Bankable is $5M — equivalent to the maximum SBA 7(a) guarantee amount. In practice, your specific funding limit depends on your monthly business revenue and the product type you're applying for. This guide explains exactly how Bankable calculates your funding limit.
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 maximum ($5M) is unavailable — but Bankable matches this amount
- Your specific limit is revenue-dependent — understanding the calculation helps you prepare
- Businesses with lower monthly revenue may qualify for less than they want
- Multiple products can be combined to access larger total capital
- Credit quality affects your position within the revenue-based range
Funding Solutions for E-3 Holders
- Working Capital: Typically 1–2x average monthly revenue.
- Growth Capital: 2–4x monthly revenue for businesses with strong growth trajectory.
- Equipment Financing: Up to 90% of equipment value — calculated independently of revenue multiples.
- Combined Products: Working capital + equipment financing can together exceed the individual limits.
- Revenue Growth: As your monthly revenue grows, your Bankability Score and funding limit increase.
Funding Amount by Monthly Revenue
| Monthly Revenue | Working Capital Range | Growth Capital Range |
|---|---|---|
| $10K–$25K | $10K–$50K | $25K–$100K |
| $25K–$50K | $25K–$100K | $50K–$200K |
| $50K–$100K | $50K–$200K | $100K–$400K |
| $100K–$250K | $100K–$500K | $250K–$1M |
| $250K–$500K | $250K–$1M | $500K–$2M |
| $500K+ | $500K–$2M | $1M–$5M |
These are indicative ranges. Your specific funding amount depends on additional factors: credit quality, time in business, debt obligations, and industry. Check your Bankability Score for a personalized estimate.
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
$5M is the maximum. Most businesses access $50K–$2M based on their revenue.
Primarily as a multiple of your average monthly revenue — 1–6x depending on product type and business profile.
Yes — growth capital products can advance 4–6x for businesses with strong trajectories and longer operating histories.
Equipment financing is calculated on equipment value (up to 90%), separate from revenue-based limits.
Yes — if your monthly revenue supports it. A business generating $1M+/month could qualify for up to $5M.
Yes. Working capital + equipment financing can be accessed simultaneously.
Yes. Better credit within Bankable's acceptable range supports higher funding amounts.
Grow your monthly revenue — that's the primary driver of Bankable's funding limits.
Bankable typically funds a minimum of $10K. Products under this amount are generally not cost-effective.
Check your Bankability Score at bankablefunds.com/bankability-score/ — a personalized estimate in 5 minutes.