Key Takeaways
- Maximum funding: up to $5M based on business monthly revenue
- No citizenship requirement—revenue is the primary determinant
- Typical multiplier: 1-2x monthly revenue for initial funding
- Established customers with repayment history qualify for higher amounts
- 48-hour decisions for all amounts—no extended process for larger loans
The most direct answer: Bankable funds F-1 OPT businesses from $10,000 to $5,000,000. Your immigration status—F-1, OPT, STEM OPT—does not cap your loan amount. Your business's monthly revenue does. Understanding how funding amounts are calculated gives you a precise target to work toward for any specific capital goal.
How Loan Amounts Are Calculated
Bankable's underwriting calculates maximum loan amounts using a primary formula: 1.0x to 2.0x your average monthly gross revenue. The exact multiplier depends on revenue consistency, business age, and the specific product type:
| Monthly Revenue | Typical Range | Example Max Amount |
|---|---|---|
| $15,000 - $30,000 | 0.75x - 1.5x monthly | $11K - $45K |
| $30,000 - $75,000 | 1.0x - 1.75x monthly | $30K - $131K |
| $75,000 - $150,000 | 1.25x - 2.0x monthly | $94K - $300K |
| $150,000 - $500,000 | 1.5x - 2.5x monthly | $225K - $1.25M |
| $500,000+ | 1.5x - 3.0x monthly | $750K - $5M |
What Increases Your Maximum Loan Amount
Several factors can push your maximum loan amount toward the higher end of the range for your revenue tier:
- Revenue consistency: 12+ months of stable or growing revenue qualifies for higher multiples than variable or declining revenue
- Business age: Businesses operating for 24+ months demonstrate survival and model validation, supporting larger amounts
- Revenue trend: A business growing at 20%+ month-over-month may qualify for forward-looking amounts based on projected revenue
- Prior Bankable relationship: Customers who have successfully repaid previous Bankable funding qualify for larger amounts at faster approval speeds
- Specific use case: Capital tied to equipment (with asset as collateral), invoice financing (with invoice as backing), or acquisition financing (with target company revenue as support) may qualify for higher amounts than general working capital
Products and Their Maximum Amounts
Revenue-Based Term Loan
$10K to $5M. Repaid as % of monthly revenue. Most flexible use of proceeds.
Get Pre-Qualified →Business Line of Credit
$25K to $500K revolving. Draw as needed. Best for ongoing working capital management.
Get Pre-Qualified →Equipment Financing
$25K to $2M. Equipment as collateral. Often qualifies for higher amounts than revenue alone would support.
Learn More →The Path to $1M+
A common goal for ambitious OPT founders is accessing $1M+ in funding for significant expansion, acquisition, or strategic capital needs. The path to $1M+ through Bankable requires: (1) consistent monthly revenue of $200K+, (2) 18-24+ months in business, (3) clean bank statements with no NSF events or prolonged negative balances, and (4) a clear, specific deployment plan for capital that demonstrates how the investment generates return. Many OPT founders building toward $1M+ first establish a smaller Bankable relationship ($50K-$200K), repay successfully, then qualify for larger amounts at their next stage.
Frequently Asked Questions
Bankable funds up to $5 million. The specific maximum for your business is determined by your monthly revenue—typically 1-2x your average monthly gross revenue for initial applications.
With $50K monthly revenue and 12+ months in business, you'd typically qualify for $50K-$100K in initial funding. After a successful repayment relationship, larger amounts become accessible.
The minimum Bankable loan amount is $10,000. For amounts under $25,000, the application is simplified and decisions are typically faster.
No. F-1 OPT, STEM OPT, H-1B—your visa type doesn't affect the maximum loan amount. Revenue is the determining factor.
Equipment financing uses equipment as collateral and can support larger amounts than revenue alone. Commercial real estate can also be used as collateral for very large amounts. General revenue-based lending uses a UCC-1 lien as the primary security without requiring hard asset collateral.
Reduce your capital need to match your qualification level, build revenue for 3-6 months, then reapply. Or explore equipment financing for capital-intensive assets, which uses the asset as collateral and can support larger amounts. VC or angel investment are alternatives for amounts that revenue-based lending can't yet support.
No fixed limit. Bankable customers regularly use multiple funding products simultaneously (e.g., a term loan + a line of credit) or sequentially (repay first loan, take a larger second loan). Building a repayment track record is the fastest path to higher qualification levels.
Not significantly. Bankable's 48-hour decision timeline applies to amounts from $10K to $5M. Larger amounts may require more detailed documentation (12 months of statements vs. 3 months) but the evaluation process is the same.