Key Takeaways
- Bankable funds H-1B accounting/CPA businesses up to $5M based on documented revenue
- No green card, no permanent residency, no citizenship required for funding
- SBA March 2026 rule eliminated H-1B owners from all SBA 7(a) loan access
- 48-hour funding decisions — faster than any bank or SBA lender
- Check your Bankability Score in 30 seconds — no SSN upload
CPA firms and accounting practices generate highly predictable revenue from annual tax preparation clients, monthly bookkeeping retainers, and CFO services contracts. Client retention in accounting practices exceeds 90 percent annually, making this one of the most fundable recurring revenue businesses in professional services.
H-1B holders who hold CPA licenses and own accounting practices represent a distinct professional entrepreneur category. Many maintained H-1B status through employment at large firms while building their own client base, then transitioned to independent practice ownership. Capital needs focus on team expansion, technology, and the tax season working capital gap.
The March 2026 SBA rule eliminated H-1B accounting/CPA businesses from all 7(a) access. Bankable provides a direct path to revenue-based funding without any citizenship test.
Capital Uses for H-1B Accounting/Cpa Operators
- Staff Hiring: Hiring additional CPAs, staff accountants, and bookkeepers before the expanded client base fully covers the new payroll.
- Tax and Accounting Software: Professional-grade tax software, practice management systems, and client portal technology at scale.
- Tax Season Working Capital: January through April creates extreme staffing and operating cost demands. Bankable funds the tax season ramp.
- Practice Acquisition: Buying a retiring CPA's book of business requires acquisition capital sized to 1 to 1.5x annual billings.
- Specialty Practice Development: Adding forensic accounting, international tax, or M&A advisory capabilities requires specialist hiring and training.
| Funding Source | H-1B Eligible? | Max Amount | Speed |
|---|---|---|---|
| SBA 7(a) — March 2026+ | No — US citizens only | $5M | 30–90 days |
| Traditional Banks | Rarely | Varies | 3–6 weeks |
| Bankable | Always yes | $5M | 48 hours |
For the full SBA alternative landscape for H-1B business owners, see our SBA alternative guide. Check your Bankability Score in 30 seconds to see your preliminary funding range.
Frequently Asked Questions
Yes. Bankable funds accounting/CPA businesses based on documented revenue. No green card or permanent residency required.
Effective March 1, 2026, the SBA requires 100% US citizen ownership. All H-1B business owners are excluded from SBA 7(a) loans.
Minimum $20,000 in monthly revenue for initial consideration. Businesses at qualifying revenue levels access initial tranches of $50K to $500K.
48-hour decision from completed application. The Bankability Assessment at /bankability-score/ gives a preliminary range in 30 seconds.
No. Bankable funds H-1B holders as sole applicants based on business revenue alone.
No. Bankable has zero residency requirements. H-1B, L-1, O-1, and other work visa holders all qualify for funding assessment based on business revenue alone.
Effective March 1, 2026, the SBA requires 100% US citizen or national ownership for all 7(a) and 504 programs. H-1B holders are completely excluded regardless of revenue or credit history.
48 hours from completed application. The Bankability Assessment at /bankability-score/ takes 30 seconds and gives a preliminary range immediately.