Key Takeaways
- H-2B workers power seasonal hospitality operations at Disney World, Vail, Aspen, and major beach resorts
- Former H-2B hospitality workers who own hotels, motels, or cleaning companies qualify for Bankable funding
- Revenue-based funding up to $5M — no green card, no SBA eligibility required
- SBA 2026 rule eliminated non-citizen hotel owners from all SBA programs
- 48-hour decisions for qualified hospitality businesses
From H-2B Resort Worker to Hospitality Entrepreneur
Every summer, tens of thousands of H-2B workers fill seasonal positions across America's hospitality economy — checking in guests at Michigan lake resorts, running housekeeping at Breckenridge ski lodges, managing food and beverage at Virginia country clubs, and keeping Orlando theme-park hotels at full occupancy through peak season. Managing housekeeping for a 200-room hotel requires staffing expertise, quality control, supply chain management, and customer service training that takes years to master.
When they transition to permanent work authorization, many leverage that expertise directly: they purchase a small motel, launch a hotel-grade cleaning service, or start a hospitality staffing company. The problem is not competence. The problem is capital access. Bankable solves the capital problem.
Hospitality Business Types Bankable Funds
- Motels and small hotels: Former H-2B workers purchasing 20–60 room independent properties.
- Hotel-grade cleaning companies: Cleaning services specializing in hospitality accounts — a natural extension of H-2B housekeeping expertise.
- Hospitality staffing agencies: Entrepreneurs who understand seasonal labor from both sides often launch staffing companies that supply hotels and resorts.
- Bed and breakfasts: Smaller hospitality businesses with strong cash flow and focused owner-operator models.
- Catering and food service: H-2B workers from food and beverage departments who launch standalone catering operations.
- Event services companies: Setup, breakdown, and logistics companies serving the event and conference hospitality sector.
How Bankable Underwrites Hospitality Businesses
Bankable's underwriters are trained to read hospitality cash flows accurately — looking at RevPAR trends, seasonal occupancy patterns, and total annual revenue rather than any single slow month. Banks applying standard underwriting to seasonal hospitality businesses routinely misread revenue dips as instability. We do not.
What Hospitality Businesses Use Bankable Funding For
- Property renovation: A $200K–$500K renovation dramatically increases occupancy and room rates for independent motels and hotels.
- Seasonal working capital: Staff up before peak season, purchase linen inventory, and fund marketing before high-revenue months generate the cash to cover them.
- Technology and booking systems: Property management software, channel manager integrations, and revenue management tools that maximize yield.
- Equipment and amenity upgrades: Commercial kitchen equipment, pool and spa systems, and fitness center equipment.
- Marketing: Google Ads, metasearch advertising, and reputation management to drive direct bookings and reduce OTA commission dependency.
Revenue-Based Funding
Up to $5M. Repay as a percentage of daily deposits. Payments flex with seasonal revenue cycles.
Apply →Equipment Financing
Commercial kitchen, laundry, AV, and amenity equipment. Asset-secured for better terms.
Learn More →SBA Alternatives
Private capital without SBA citizenship requirements. Faster decisions, no green card required.
Read More →Frequently Asked Questions
Yes. Bankable does not require a green card. Former H-2B workers with any valid work authorization and a revenue-generating business qualify based on that revenue.
We fund motels, small hotels, bed and breakfasts, hotel-grade cleaning companies, hospitality staffing agencies, catering companies, and event services firms.
We look at full 12-month bank statement history to understand your seasonal pattern. We size repayments so they are manageable during your off-peak period.
In 2026 the SBA implemented a 100% citizenship rule that eliminates non-citizen hotel owners from all SBA programs. Bankable is private capital with no citizenship requirement.
A motel with $600K in annual revenue might qualify for $150K–$300K for renovation. Larger properties with higher revenue can access more.
Bankable can fund the working capital, renovation, and operating capital components of a hospitality purchase. We can also help structure the overall financing package.
We require a minimum of $180,000 in documented annual business revenue. Larger funding amounts require higher revenue — $500K+ supports $100K+ in funding.
Most applications receive a decision within 48 hours. Funded amounts are typically deposited within 3–5 business days of approval.