Key Takeaways
- A revolving working capital line gives H-2B entrepreneur businesses flexible ongoing capital access
- Bankable provides working capital lines up to $500K based on business revenue — no green card required
- Draw only what you need, when you need it — repay as invoices clear
- SBA 2026 rule eliminated non-citizen business owners from SBA working capital programs
- 48-hour approvals for qualified businesses
Why a Working Capital Line Is the Most Flexible Business Capital Tool
A working capital line of credit is different from a term loan. With a term loan, you borrow a fixed amount and make fixed payments regardless of your business's needs. With a revolving line of credit, you draw what you need when you need it, and repay as your cash flow allows. During busy months, you may not draw at all. During slow months or when a large job requires upfront material purchases, you draw from the line and repay when the job invoices clear.
This flexibility makes a working capital line the most useful ongoing capital tool for most H-2B entrepreneur businesses. Bankable provides revolving working capital lines up to $500K based on your business revenue — no green card required.
How to Use a Working Capital Line Effectively
- Material purchases: Draw to buy materials at the start of a large job. Repay when the client invoice clears.
- Payroll coverage: Draw to cover payroll during a slow week or when a large client is late paying. Repay when the payment arrives.
- Opportunity capital: When a large contract opportunity appears that requires quick capital deployment, draw from the line rather than passing on the opportunity.
- Seasonal preparation: Draw in late winter to prepare for spring season. Repay from the first peak-season receipts.
Working Capital Line
Revolving credit up to $500K. Draw as needed. Repay as invoices clear. No green card required.
Apply →Revenue-Based Funding
An alternative to a line of credit. Lump-sum advance repaid as a percentage of daily deposits.
Apply Now →Frequently Asked Questions
Yes. Bankable provides working capital lines of credit regardless of the owner's immigration status. Business revenue is the primary qualification.
A term loan gives you a fixed lump sum with fixed payments. A working capital line is revolving — you draw what you need, repay it, and draw again. You only pay interest on the amount drawn.
Working capital lines from Bankable range from $25,000 to $500,000 depending on your business's monthly revenue and cash flow.
The 2026 SBA rule eliminated non-citizen business owners from all SBA working capital programs. Bankable is private capital with no citizenship requirement.
A working capital line is revolving with draws and repayments at your discretion. Revenue-based funding is a lump sum advance repaid automatically as a percentage of daily deposits. Both solve working capital needs in different ways.
Repayment is structured around your draw and repayment activity. Each draw has a defined repayment schedule. Many businesses repay draws within 30–90 days as invoices clear.
Six months of business bank statements, your EIN, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Working capital lines typically fund within 3–5 business days of approval.