Key Takeaways
- Revolving working capital lines give on-demand capital access
- Draw, repay, draw again — no need to reapply each time
- SBA lines of credit unavailable to E-3 holders
- Bankable working capital lines up to $2M
- 48-hour initial approval with same-day draws once established
A working capital line of credit is the most flexible business funding tool — you draw what you need, when you need it, and repay as your revenue comes in. Unlike a lump-sum advance, a line of credit means you only pay for capital you're actually using. For businesses with variable monthly working capital needs, a line is significantly more efficient than repeated one-time advances.
SBA Express Lines — the SBA's working capital line product — are unavailable to E-3 holders. Bankable provides working capital lines through our revenue-based platform — draw, repay, redraw as your business needs dictate. Initial approval is 48 hours; subsequent draws are typically same-day once the line is established.
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 Express Lines and SBA revolving credit facilities unavailable to E-3 holders
- Bank lines of credit require 2+ years of business history and typically home equity backing
- One-time advances are less flexible than lines for variable capital needs
- Working capital needs vary month-to-month in most businesses
- Re-applying for each advance is time-consuming and administratively burdensome
- Over-borrowing (taking more than needed from a lump-sum) is inefficient
Funding Solutions for E-3 Holders
- Revolving Line of Credit: Draw up to your approved limit, repay, and draw again.
- On-Demand Draws: Same-day draws once the line is established.
- Pay for What You Use: Lower cost than a lump-sum advance if you don't need the full amount at once.
- Automatic Replenishment: As you repay, available credit is restored.
- Simple Management: One credit facility for all working capital needs.
Line vs. Lump-Sum Advance
If your working capital needs are relatively consistent month-to-month, a lump-sum advance is efficient. If your needs vary significantly — some months you need $50K, other months $150K — a revolving line is more cost-effective. You only pay on what you've drawn. A $200K line where you average $80K drawn is cheaper than a $200K advance where you're paying on the full amount from day one.
Discuss your working capital pattern with Bankable when you apply — we'll recommend the right product structure for your specific situation.
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
A line lets you draw as needed up to your limit; a lump-sum advance gives you one payment upfront. Lines are more flexible for variable needs.
Yes. Bankable provides revolving working capital lines with no green card requirement.
Up to $2M. Sized based on your monthly revenue and working capital patterns.
Initial approval is 48 hours. Subsequent draws are typically same-day once the line is established.
No. You only pay on the amount drawn. Unused credit doesn't incur fees.
Yes. Payroll, inventory, marketing, supplies, equipment, and any business operating expense.
Revenue-based repayment — as a percentage of daily revenue. As you repay, available credit is restored.
Yes. Businesses with strong repayment history and growing revenue can access line increases.
You can request a temporary limit increase or supplement your line with a one-time advance.
Yes — that's one of the primary use cases for revolving lines. The capital is ready when you need it.