Key Takeaways
- Bankable does NOT require a green card for any funding product
- Any valid work authorization — TPS, EAD, TN visa, H-2B SSN — qualifies
- Revenue is the primary qualification — not immigration status
- SBA requires citizenship; Bankable requires only revenue
- 48-hour decisions for qualified businesses regardless of green card status
The Direct Answer: No, Bankable Does Not Require a Green Card
Bankable does not require a green card, permanent residency, or U.S. citizenship for any of its funding products. We are private capital. We have no government affiliation and no SBA participation. Our underwriting requirements are set by us — and we have explicitly chosen to make immigration status irrelevant to our funding decisions.
The only identity requirement we have is a valid U.S. Social Security Number (SSN). H-2B workers receive SSNs as part of their visa authorization process. These SSNs remain valid and trackable through subsequent immigration status changes. If you have an SSN — from your H-2B visa or any subsequent work authorization — and your business generates documented revenue, you are eligible to apply at Bankable.
What Bankable Does Require
| Requirement | Bankable Standard |
|---|---|
| Social Security Number (SSN) | Required — obtained through H-2B or subsequent authorization |
| Business EIN | Required — apply free at IRS.gov |
| U.S. Business Bank Account | Required — business account in company name |
| Minimum Annual Revenue | $150,000+ verified through 6 months of bank statements |
| Business Age | 6+ months with bank statement history |
| Green Card | NOT REQUIRED |
| Permanent Residency | NOT REQUIRED |
| U.S. Citizenship | NOT REQUIRED |
Immigration Statuses That Qualify at Bankable
- Temporary Protected Status (TPS): Salvadorans, Hondurans, Guatemalans, Nicaraguans, Haitians, and others with TPS designations. Work-authorized, SSN-holding TPS recipients qualify fully.
- EAD (Employment Authorization Document): Any EAD holder — whether for pending adjustment of status, TPS, DACA, or other category — qualifies as long as the EAD is current.
- TN Visa (USMCA): Canadian and Mexican professionals working in qualifying professional occupations under the TN visa qualify as business owners in their authorized field.
- Green Card / Permanent Resident: Of course — permanent residents fully qualify and have the strongest immigration stability profile.
- Active H-2B Visa: H-2B visa holders who have appropriate authorization for their business activities qualify based on their H-2B-issued SSN.
- Other work authorization: O visa, L visa, E visa holders and others with work authorization and SSNs qualify.
Check Your Score Now
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$25K–$5M based on your business revenue. No immigration status requirements.
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Learn More →Frequently Asked Questions
No. Bankable does not require a green card, permanent residency, or U.S. citizenship for any funding product.
You need a valid U.S. Social Security Number and any work authorization status — TPS, EAD, TN visa, H-2B, green card, or citizenship. The specific immigration status does not affect eligibility.
You do not need to disclose the details of your immigration status. We do verify your identity using your SSN and government-issued ID, but we do not request immigration documentation.
Bankable is private capital. We are not an SBA lender or a government-affiliated institution. We set our own underwriting standards, and we have determined that immigration status is not a reliable predictor of business loan repayment. Revenue is.
Most conventional banks use permanent residency as a de facto requirement for business loans, though this varies by institution. Community banks and credit unions are sometimes more flexible. Unlike banks, Bankable explicitly does not require permanent residency or citizenship.
The 2026 SBA rule goes further than requiring green cards — it requires full U.S. citizenship or national status. Even permanent residents (green card holders) are now ineligible for SBA loans.
Yes. Bankable does not have a citizenship requirement for any ownership percentage. Whether the non-citizen owner holds 1% or 100% of the business does not affect Bankable eligibility.
Visit bankablefunds.com/bankability-score/ for a 5-minute application. You'll need your SSN, EIN, and basic business information. No immigration documents required.