Bankable does not require a green card, permanent residency, or US citizenship. This is the foundational principle of Bankable's business model. We evaluate funding applications based entirely on business revenue, operating history, and financial performance. Your immigration category — H-1B, L-1, O-1, E-2, TN visa, or any other work authorization category — is not a factor in our funding decision.
This stands in direct contrast to the SBA's March 2026 rule change, which now requires 100% US citizen or national ownership for all 7(a) and 504 loans. It also stands in contrast to most traditional banks, which either explicitly require permanent residency for commercial loans or use it as an informal qualification criterion.
What Bankable Evaluates Instead of Residency
- Business Revenue: 3 to 6 months of documented business revenue from bank statements, invoices, or platform reports.
- Revenue Consistency: Month-to-month revenue trends and seasonal patterns.
- Gross Margin: Profitability of the revenue above direct costs — higher margins mean stronger repayment capacity.
- Operating History: 6+ months of operation is the primary threshold. 2+ years strengthens the application.
- Business Tax Returns: Last 1 to 2 years of business tax returns (if available) provide supplementary underwriting data.
- EIN: An active Employer Identification Number is required. This is not a citizenship requirement — EINs are available to all business entities regardless of owner immigration status.
Note that no green card and no SSN upload upfront are both specific design decisions at Bankable. Begin with the Bankability Assessment to see your preliminary funding range in 30 seconds without providing any sensitive identifying documents.
Frequently Asked Questions
No. Bankable has zero residency or citizenship requirements. Funding decisions are based entirely on business revenue.
No. H-1B, L-1, O-1, E-2, TN, and all other work visa categories are eligible for Bankable funding.
No. Bankable funds H-1B holders as sole applicants based on business revenue alone. A US citizen co-borrower is not required.
No. Bankable does not report funding decisions to USCIS or any immigration authority. Applying for business funding does not affect H-1B status.
Bankable requires business identification (EIN) and basic business documentation (bank statements, revenue records). Personal identification requirements are discussed after initial Bankability Assessment.
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.