Bankable offers tranche-based revenue funding up to $5M for qualified H-1B business owners. The specific amount available to your business is determined by your monthly revenue, operating history, and industry. Here is how the funding tiers work.
Funding Tiers by Revenue Level
| Monthly Revenue | Typical Initial Tranche | Subsequent Tranches |
|---|---|---|
| $15K – $30K/month | $30K – $100K | $50K – $200K |
| $30K – $75K/month | $75K – $300K | $150K – $600K |
| $75K – $200K/month | $200K – $750K | $500K – $2M |
| $200K+ /month | $500K – $2M | $1M – $5M |
What Determines Your Maximum Funding Amount
- Monthly Gross Revenue: The primary driver. Higher revenue enables larger tranches because the repayment capacity is stronger.
- Revenue Consistency: Consistent monthly revenue qualifies for larger tranches than highly volatile revenue of the same average.
- Industry Gross Margin: Higher-margin businesses (technology, professional services) can sustain larger repayment percentages on the same revenue base.
- Operating History: Businesses with 2+ years of operating history access larger tranches than businesses with 6 to 12 months of history.
- Repayment Track Record: Businesses that have successfully repaid previous Bankable tranches access larger subsequent tranches, up to $5M cumulatively.
Note that $5M is the cumulative maximum across all tranches — not the first tranche amount for most businesses. The Bankability Assessment at /bankability-score/ gives you a precise preliminary range based on your specific business data.
Frequently Asked Questions
Up to $5M in cumulative tranche-based funding. Initial tranches are typically 1 to 3 times monthly revenue. Subsequent tranches increase as repayment is demonstrated.
Businesses generating $75,000 to $200,000/month in revenue typically access tranches in the $500K to $1M range after demonstrating repayment consistency.
No. $5M is a cumulative maximum across multiple tranches. Initial tranches are sized based on monthly revenue. The $5M ceiling is reached through multiple repaid-and-renewed tranches over time.
Yes. SBA 7(a) also maxed at $5M. Bankable offers the same maximum amount as the SBA program that H-1B holders are now excluded from, but without citizenship requirements.
Bankable analyzes annual revenue normalized for seasonality. Seasonal businesses are not penalized for slow months when their annual revenue profile is strong.
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.