Key Takeaways
- A business line of credit is the most flexible ongoing capital tool for H-2B entrepreneur businesses
- Bankable provides business lines of credit up to $500K based on revenue — no green card required
- Revolving: draw what you need, repay as invoices clear, draw again
- SBA working capital lines are no longer available to non-citizen business owners
- 48-hour approvals for qualified businesses
A Business Line of Credit: The Most Flexible Capital Tool
A revolving business line of credit is different from a term loan in a fundamental way: it is designed for ongoing, flexible use rather than a one-time capital deployment. You are approved for a maximum credit limit, and you can draw any amount up to that limit at any time. As you repay what you have drawn, the credit becomes available again — hence "revolving."
This structure is ideal for businesses that have regular, unpredictable working capital needs: payroll during slow weeks, material purchases for new jobs, tax payments, equipment maintenance, and opportunity capital. Bankable provides revolving business lines of credit up to $500K for H-2B and former H-2B business owners — no green card required.
How a Business Line of Credit Works in Practice
A landscaping company with a $100K line of credit uses it this way: In February, they draw $25,000 for equipment maintenance and pre-season supply purchases. In March, they repay $10,000 as early-season invoices clear. In April, they draw another $15,000 for mulch and fertilizer purchases for a large spring project. By June, the draw is fully repaid and the $100K is available again. In September, they draw $30,000 for crew expansion ahead of fall cleanup season. The line flexes with the business's seasonal needs.
Business Line of Credit vs. Revenue-Based Funding
| Feature | Line of Credit | Revenue-Based Funding |
|---|---|---|
| Structure | Revolving — draw and repay repeatedly | Lump sum — single advance |
| Repayment | Based on draws — repay as invoices clear | Daily percentage of deposits |
| Maximum Amount | Up to $500K | Up to $5M |
| Best For | Ongoing, irregular working capital needs | Specific growth investments |
| Green Card Required | No at Bankable | No at Bankable |
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Line of credit vs. revenue-based funding — which is right for your business?
Compare →Frequently Asked Questions
Yes. Bankable provides revolving business lines of credit regardless of the owner's immigration status. Business revenue is the primary qualification.
A line of credit is revolving — you draw and repay repeatedly up to your credit limit. A term loan is a one-time disbursement with fixed repayment schedule.
Business lines of credit from Bankable range from $25,000 to $500,000 depending on your business's monthly revenue and cash flow.
The 2026 SBA rule eliminated non-citizen business owners from all SBA programs including working capital lines. Bankable provides private lines of credit with no citizenship requirement.
Draws are made by request to Bankable — typically by phone or through your online account dashboard. Funds are typically deposited within 1–2 business days of a draw request.
Yes. A revolving line of credit is designed for repeated draw-and-repay cycles. Each repayment replenishes your available credit.
You pay interest only on the amount drawn, not on the full credit limit. Bankable's specific rate depends on your business's revenue, credit score, and term.
Most applications receive a decision within 48 hours. The initial funding of the line typically occurs within 3–5 business days. Subsequent draws can occur within 1–2 business days of request.