Key Takeaways
- Former H-2B workers who pursued accounting careers serve the immigrant business community with unique cultural expertise
- Bankable funds accounting and CPA firms $25K–$2M based on client revenue — no green card required
- Working capital, technology, and practice acquisition all available
- SBA 2026 rule eliminated non-citizen accounting firm owners from all SBA programs
- 48-hour approvals for qualified accounting businesses
From H-2B Worker to CPA Firm Owner
Former H-2B workers who pursued accounting degrees and CPA licensure after gaining work authorization occupy a unique position in the professional services market: they serve the immigrant business community — the landscapers, cleaning service owners, restaurant operators, and food truck vendors who built businesses from their H-2B years — with cultural authenticity, language fluency, and lived understanding of the financial challenges these entrepreneurs face. A bilingual CPA who understands both the tax implications of cash-heavy businesses and the banking challenges of non-permanent residents is invaluable to this community.
CPA and accounting firms have highly predictable, recurring revenue — monthly bookkeeping clients, annual tax filing engagements, and payroll processing contracts. Bankable funds these firms on that documented revenue.
Accounting Firm Capital Needs
- Practice acquisition: Buying a retiring CPA's client book is a common and cost-effective way to build a practice quickly. Client book purchases range from $100K to $600K.
- Technology infrastructure: Tax software licenses, cloud accounting platforms, document management systems, and cybersecurity tools.
- Staff expansion: Adding staff accountants and bookkeepers during tax season or to serve growing client rosters.
- Office build-out: Professional office space projects the credibility that high-value business clients require from their accounting firms.
Practice Acquisition
Fund the purchase of a retiring CPA's client book. Evaluated on acquired practice revenue.
Apply →Working Capital
Cover payroll and technology costs between quarterly billing cycles. Up to $200K.
Apply →Revenue-Based Funding
Based on client retainer revenue. Repay as a percentage of daily deposits.
Apply Now →Frequently Asked Questions
Yes. Bankable funds accounting firms regardless of the owner's immigration status. Documented client revenue is the primary criterion.
We fund CPA firms, bookkeeping services, tax preparation businesses, payroll processing companies, and financial consulting firms.
Yes. Practice acquisition funding is available. We evaluate the acquisition based on the target practice's historical revenue and client retention rate.
Funding depends on annual revenue. A CPA firm generating $400K–$900K annually might qualify for $100K–$350K.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen accounting firm owners. Bankable is private capital with no citizenship requirement.
Yes. Working capital lines are ideal for professional services firms with seasonal revenue peaks and cash flow gaps between billing cycles.
Six months of business bank statements, your EIN, CPA license, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.