Key Takeaways
- Cash flow gaps — the time between delivering service and collecting payment — are the most common business capital challenge
- Bankable provides cash flow bridge financing $25K–$500K based on business revenue — no green card required
- Working capital lines, revenue-based funding, and invoice advance products all solve cash flow gaps
- SBA 2026 rule eliminated non-citizen business owners from SBA working capital programs
- 48-hour decisions for qualified businesses
The Cash Flow Gap: The Universal Business Challenge
Every business that invoices clients — rather than collecting at point of sale — experiences the cash flow gap: the time between delivering a service or product and receiving payment. A landscaping company that invoices commercial accounts net-30 must fund labor and materials for a full month before the first invoice pays. A cleaning service with corporate accounts might have 45–60 day payment cycles. A construction contractor has 30–90 day payment lags on commercial projects.
Banks solve this with working capital lines of credit — but banks decline non-permanent residents. Bankable provides cash flow bridge financing based on your business's revenue — no immigration status screen required.
Cash Flow Bridge Products
- Working capital line of credit: A revolving credit facility you draw as needed to cover payroll, materials, and operating costs. Repay as invoices clear.
- Revenue-based funding: A lump-sum advance repaid as a percentage of daily deposits. Good for businesses with strong daily volume but lumpy invoice payments.
- Invoice advance: In some cases, Bankable can advance against specific outstanding invoices, converting your accounts receivable to immediate cash.
Working Capital Line
Revolving credit. Draw to cover payroll and materials. Repay as invoices clear. Up to $500K.
Apply →Revenue-Based Funding
Lump-sum advance repaid as a percentage of daily deposits. Fast and flexible.
Apply Now →Check Your Score
5-minute application. See your cash flow bridge options. No commitment required.
Apply →Frequently Asked Questions
Yes. Bankable provides cash flow bridge financing regardless of the owner's immigration status. Business revenue and invoice patterns are the primary criteria.
A working capital line is revolving — you draw as needed and repay as invoices clear. Revenue-based funding is a lump-sum advance repaid as a percentage of daily deposits. Both solve cash flow gaps but in different ways.
Cash flow bridge products range from $25,000 to $500,000 depending on your business's monthly revenue, invoice volume, and payment terms.
The 2026 SBA rule eliminated non-citizen business owners from all SBA working capital programs. Bankable is private capital with no citizenship requirement.
Repayment is a fixed percentage of your daily bank deposits — typically 8–15%. On days with higher deposits, repayment is higher. On slower days, repayment is lower.
Construction, landscaping, cleaning services, staffing, manufacturing, and professional services businesses all commonly need cash flow bridge financing due to net-30 to net-90 payment terms.
Six months of business bank statements, your EIN, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.