Key Takeaways
- Accounting firm retainer revenue drives Bankable approval — no green card
- Fund team expansion and technology for OPT accounting firm founders
- CPA firms, bookkeeping companies, and tax practices all qualify
- 48-hour decisions for accounting businesses with $10K+ monthly revenue
Accounting, finance, and taxation graduates on F-1 OPT who hold or are pursuing US CPA licensure are launching accounting firms and bookkeeping practices that serve small businesses, startups, and individual clients. Monthly retainer relationships for bookkeeping, tax preparation, and CFO advisory services create highly predictable recurring revenue — one of the strongest revenue profiles for Bankable evaluation.
Accounting Business Capital Uses
- Accounting software: QuickBooks ProAdvisor, Xero, and practice management tools
- Staff accountants and bookkeepers hiring for capacity expansion
- CPA exam costs and professional development
- Office space for client meetings
- Working capital during Q1 tax season ramp-up costs
Frequently Asked Questions
Yes. Since March 2026, SBA loans require 100% US citizen or national ownership. Bankable is non-SBA — F-1 OPT founders qualify based entirely on business revenue.
No. Bankable funds US-registered business entities based on revenue. Immigration status is not evaluated.
Your business entity continues operating and servicing funding. The loan is with the business, not the individual.
Yes. Accounting business ownership does not require personal CPA licensure in most states — though CPA firms providing attest services have specific ownership requirements. Tax preparation, bookkeeping, and advisory firms have fewer restrictions.
$10,000+ in monthly retainer and service revenue with 4+ months of operating history.
Yes. Tax preparation businesses with January-April peak revenue are evaluated on annual average basis. The predictability of the tax season makes these businesses strong Bankable candidates.
Yes. Annual software subscriptions and technology infrastructure are approved uses of Bankable working capital.
F-1 OPT CPAs with IFRS knowledge, transfer pricing expertise, or international tax backgrounds serve multinational clients that pay premium rates — which translates to stronger revenue qualification.