Key Takeaways
- Bankable funds H-2B businesses from $25K to $5M depending on revenue
- The maximum amount available depends on your annual revenue, cash flow, and industry
- Most H-2B entrepreneur businesses in the $400K–$2M revenue range qualify for $75K–$600K
- Larger businesses with $2M+ in revenue can access $500K–$5M
- No green card required — revenue determines your maximum, not immigration status
How Bankable Determines Your Maximum Funding Amount
The maximum amount Bankable will fund for any H-2B business owner is driven primarily by one number: your documented annual business revenue. As a general guideline, Bankable's maximum funding for a first facility is typically 10–20% of annual revenue. A business generating $500K annually might qualify for $50K–$100K. A business generating $2M annually might qualify for $200K–$400K on an initial facility.
This is not a hard formula — it is a starting point. Your cash flow consistency, seasonal patterns, credit score, industry, and time in business all affect the specific amount available.
Maximum Amounts by Revenue Range
| Annual Revenue | Typical Maximum (First Facility) | Typical Maximum (Established Customer) |
|---|---|---|
| $150K–$300K | $25K–$50K | $50K–$100K |
| $300K–$600K | $50K–$100K | $100K–$200K |
| $600K–$1.2M | $100K–$200K | $200K–$400K |
| $1.2M–$2.5M | $200K–$400K | $400K–$800K |
| $2.5M–$5M+ | $400K–$800K | $800K–$5M |
Factors That Increase Your Maximum
- Strong cash flow consistency: Businesses with consistent month-over-month revenue (low variance) qualify for higher amounts than businesses with highly variable cash flow.
- Longer business history: 24+ months of bank statement history allows Bankable to see full seasonal cycles and long-term trends, increasing confidence in larger facilities.
- Strong credit score: A personal FICO score above 650 supports higher amounts. Above 700 unlocks the highest facility sizes.
- Equipment collateral: Equipment financing can access higher amounts because the equipment serves as additional collateral.
- Established commercial customers: Businesses with long-term commercial contracts (landscaping maintenance contracts, cleaning service agreements) demonstrate revenue stability that supports higher facilities.
Check Your Maximum
See your exact maximum funding amount. 5-minute application. No commitment.
Apply Now →Revenue-Based Funding
Up to $5M based on annual revenue. The most common product for H-2B entrepreneurs.
Apply →Frequently Asked Questions
The maximum is $5,000,000. However, the actual maximum for your specific business depends on your annual revenue, cash flow, and other factors. Most first-time applicants access 10–20% of their annual revenue.
We primarily base maximum amounts on documented annual revenue from 6–12 months of business bank statements. As a guideline, initial facilities are typically 10–20% of annual revenue.
Yes. Established Bankable customers who have successfully repaid their first facility typically qualify for larger second facilities.
A business seeking $500K would typically need to demonstrate at least $2M–$3M in annual revenue with strong cash flow consistency.
No. Bankable does not consider immigration status in determining maximum amounts. Revenue, cash flow, and credit score are the primary factors.
The minimum is $25,000. Businesses needing less than $25,000 may want to explore CDFI microloans or business credit cards as more appropriate products.
Revenue-based funding typically has 6–24 month terms. Equipment financing can have 24–60 month terms. Working capital lines are revolving without a fixed term.
Yes. Established Bankable customers can often access multiple products simultaneously — for example, a revenue-based facility plus equipment financing for a specific equipment purchase.