Key Takeaways
- H-1B holders can accomplish this business goal — with appropriate legal structure and capital from Bankable
- The SBA's March 2026 citizenship rule eliminated H-1B access to the most common funding sources for this use case
- Bankable funds H-1B businesses up to $5M based on revenue alone — no green card, no citizenship test
- 48-hour funding decisions — built for business timelines, not government bureaucracy
- Check your Bankability Score in 30 seconds — no SSN upload required
Cash flow timing mismatches are the leading cause of profitable-business-failure in American small business. A consulting firm billing $200,000/month on net-45 terms has $300,000 in unpaid invoices at any given moment. A restaurant supplier that ships $80,000 in orders weekly but gets paid net-30 needs $320,000 in working capital just to maintain operations. These are not failing businesses — they are profitable businesses with cash flow timing gaps. For H-1B owners who cannot access bank revolving lines of credit, Bankable's bridge funding solves this problem specifically.
| 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 industry-specific context, explore our H-1B funding hub. For the full SBA alternative landscape, see our SBA alternative guide. And start with your Bankability Assessment to see your preliminary funding range in 30 seconds.
Frequently Asked Questions
Revenue-based funding that covers the gap between when costs are incurred and when customer payments arrive. Ideal for service businesses, contractors, and distributors with net-30 to net-90 payment terms.
Factoring requires assigning invoices to the factor and accepting their discount rate (typically 2 to 5% per invoice). Bankable's bridge funding is a revenue-based tranche against your overall business revenue — you keep your invoices and client relationships.
48-hour decision from completed application. Cash flow emergencies don't align with bank timelines — Bankable's speed is one of its primary advantages.
IT consulting firms with net-60 government contracts, staffing agencies with net-45 accounts receivable, service businesses with seasonal payment delays, and distributors with extended supplier terms.
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.