Key Takeaways
- Auto dealership sales revenue drives Bankable approval — no green card required
- Fund inventory, floor plan bridge capital, and working capital for OPT dealer founders
- New, used, and independent auto dealers all qualify for evaluation
- 48-hour decisions for dealerships with $50K+ monthly vehicle revenue
Automotive business, supply chain, and MBA graduates on F-1 OPT are operating independent car dealerships and used vehicle lots that serve local markets with competitive inventory. Auto dealers with documented vehicle sales revenue qualify for Bankable's working capital and bridge financing products — addressing the common need to bridge between vehicle sale and floor plan payoff timing, or to fund inventory acquisition between financing cycles.
Auto Dealership Capital Uses
- Inventory acquisition bridge: fund vehicle purchases between floor plan cycles
- Working capital for reconditioning, detailing, and certification costs
- Dealer management system (DMS) software upgrades
- Marketing: digital advertising, AutoTrader, Cars.com, and local campaigns
- Service department equipment and expansion
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. Auto dealer license requirements vary by state but generally do not require citizenship. F-1 OPT founders can obtain dealer licenses and operate used vehicle lots and independent dealerships in most states.
$50,000+ in monthly vehicle sales revenue with 6+ months of operating history.
Yes. Inventory bridge financing — funding vehicle purchases between floor plan cycles — is available for auto dealers with documented sales history.
Franchised new car dealer acquisition requires franchisor approval and significant capital. Bankable is better suited for independent used car dealers and service-focused dealership operations.
Wholesale auto dealers and auction businesses with documented vehicle transaction revenue qualify for Bankable working capital evaluation.