Key Takeaways
- Beverage distribution businesses benefit from recurring retail and restaurant account revenue
- Inventory financing for bulk beverage purchase and warehousing available up to $3M
- Import connections give H-4 EAD distributors unique product sourcing advantages
- No green card required — your distribution contracts and sales history qualify the business
- Working capital for inventory, cold storage, and delivery vehicle operations available
H-4 EAD holders across the US are building H-4 EAD Beverage Distribution businesses that generate strong, consistent revenue. Despite being among the most educated and entrepreneurially experienced immigrant groups in America, H-4 EAD holders face systematic barriers from traditional lenders who treat work authorization uncertainty as an insurmountable credit risk.
Bankable takes a different approach. We evaluate your business revenue, cash flow, and operating history — the same factors that determine whether any business can repay capital. Your visa status does not change whether your business generates revenue. It does not change whether your customers pay you. It should not change whether you can access the capital your business needs to grow.
Why H-4 EAD Holders Choose Bankable
- No green card required — your EIN and business bank account are sufficient
- 48-hour decisions based on revenue, not citizenship
- SBA eliminated as an option — Bankable is specifically designed to fill this gap
- Funding up to $5M for qualified businesses
- Revenue-based repayment that flexes with your business performance
How to Qualify
Bankable evaluates three primary factors: monthly revenue (minimum $10,000-$20,000), operating history (minimum 6 months), and cash flow consistency. If your business meets these thresholds, you are likely eligible for funding regardless of your immigration status.
Check your eligibility at Bankability Score or review capital alternatives available to H-4 EAD business owners.
Frequently Asked Questions
Yes. H-4 EAD holders can own and operate this type of business and access Bankable's revenue-based funding. We evaluate business performance, not immigration status.
No. Bankable does not require a green card, citizenship, or SBA eligibility. Your business revenue and operating history are the primary qualification factors.
Generally $10,000-$20,000 per month in business revenue for at least 6 months of operating history.
Bankable issues decisions within 48 hours of receiving a complete application. Funding arrives within 3-5 business days of approval.
Existing funding agreements remain in force. Your business's future funding eligibility depends on its revenue performance at the time of any new application, not your immigration status at that moment.
Business bank statements (3-6 months), EIN, government-issued ID, and business formation documents. No green card or citizenship documents required.
Yes. Equipment financing is available for most business types. The equipment serves as collateral, reducing the immigration-status risk that other lenders apply.
No. The SBA's 100% citizen/national rule, effective March 2026, eliminates all SBA loan eligibility for H-4 EAD holders. Bankable's revenue-based funding is a direct alternative.