Key Takeaways
- Former H-2B workers power construction crews across the Sunbelt, Mountain West, and Mid-Atlantic
- Bankable funds construction businesses $25K–$5M based on contract revenue — no citizenship required
- SBA 2026 rule eliminated non-citizen contractors from all SBA programs
- Equipment financing, working capital, and contract bridge loans all available
- 48-hour approvals for qualified construction businesses
From H-2B Framing Crew to General Contracting Company
Construction is one of the largest H-2B industries in the United States. Roofing, masonry, carpentry, and concrete work all depend on seasonal H-2B labor in regions where local workforce supply cannot meet peak demand. An H-2B roofer who worked five seasons with the same contractor learned material takeoffs, crew management, client communication, safety compliance, and project sequencing — skills that take most contractors years to master.
Former H-2B construction workers who launch their own contracting businesses bring practical knowledge that no business school replicates. The challenge is capital: construction businesses must pay for materials and labor before the client pays the invoice. A 30–60 day payment lag on a $200K commercial project can create serious cash crisis. Banks require citizenship, then add collateral requirements and slow underwriting. Bankable moves in 48 hours and bases approval on your contract pipeline and cash flow — not your immigration file.
Construction Business Cash Flow Challenges
- Draw-based billing: Many commercial contracts pay in progress draws. Between draws, the contractor funds materials and labor out of pocket.
- Material cost volatility: Lumber, steel, and concrete prices fluctuate. A project scoped at one price can require more capital if costs spike mid-project.
- Bonding requirements: Many commercial and government contracts require performance and payment bonds. Bond premiums are upfront capital costs.
- Equipment as a growth bottleneck: Taking on larger projects requires larger equipment, but purchases require capital most growing contractors don't have sitting idle.
- Seasonal revenue compression: In northern markets, construction revenue compresses into April–November, creating cash demands that frontload the year.
SBA 2026 Impact on Construction Business Owners
The 2026 SBA citizenship rule eliminated every non-citizen owner of a construction business — regardless of how long they've been in the U.S., how many Americans they employ, or how profitable their business is. Bankable is private capital with no SBA affiliation and no citizenship requirement. We are the primary alternative for thousands of construction entrepreneurs affected by this rule change. Learn more.
Contract Bridge Loans
Fund materials and labor between contract draws or invoice payment. $50K–$500K structured around your project timeline.
Apply →Equipment Financing
Excavators, lifts, compactors, concrete mixers, and trucks. Equipment-secured for better rates.
Learn More →Business Line of Credit
Revolving credit for materials, subcontractors, and payroll. Draw as projects require. Up to $500K.
Learn More →Frequently Asked Questions
Yes. Bankable funds construction businesses owned by former H-2B workers and others with non-permanent residency. We use 6–12 months of bank statements to verify revenue and cash flow. No green card required.
This is exactly what our working capital line and contract bridge products solve. Draw funds to cover materials and labor, then repay as client invoices clear.
Yes. Equipment financing is available for all types of construction equipment — excavators, skid steers, cranes, compactors, trucks, and trailers. The equipment serves as collateral.
We require a minimum of $180,000 in documented annual revenue. Most construction businesses we fund generate $300K–$2M annually and access $75K–$600K in funding.
Bankable can fund the working capital associated with performing on large bonded contracts. Bond premiums may also be eligible for financing through our working capital products.
Seasonality is normal in construction and built into our underwriting. We look at your full annual revenue picture, not any single slow month.
Most applications are decided within 48 hours. Equipment financing may take slightly longer due to appraisal requirements. Working capital products typically fund within 3–5 business days.
Yes. Subcontractors, specialty trade contractors (roofing, electrical, plumbing, masonry, drywall), and general contractors all qualify with documented business revenue.