Key Takeaways
- Biotech and laboratory services businesses leverage H-4 EAD holders' advanced science degrees
- Research contracts and testing service agreements provide stable, documentable revenue
- Laboratory equipment financing available for H-4 EAD science entrepreneurs
- No green card required — your research contracts and lab service revenue qualify the business
- Cambridge and Research Triangle H-4 EAD biotech entrepreneurs are a major underserved segment
As an H-4 EAD business owner, you have built something real — a business that generates revenue, employs people, and serves your community. The March 2026 SBA rule change eliminated SBA loan eligibility for every H-4 EAD holder in America, closing off the primary financing pathway that many immigrant entrepreneurs relied on. Bankable exists specifically to fill this gap.
Our revenue-based funding evaluates your business the way it should be evaluated: by what it earns, how consistently it earns it, and whether its cash flow can support capital repayment. Your visa status does not determine your business's earning potential. It should not determine your access to capital.
How Bankable Evaluates H-4 EAD Businesses
- Monthly Revenue: Consistent revenue of $10,000-$20,000+ per month is the primary qualification threshold
- Operating History: Minimum 6 months; 12+ months of history opens larger funding amounts
- Cash Flow: Bank deposits that match or exceed reported revenue
- Business Structure: LLC or corporation with EIN — no green card required
- Revenue Type: Recurring contract revenue, subscription income, and government contracts are strongest
What You Can Use Bankable Funding For
- Equipment purchases and financing
- Inventory and raw material purchases
- Staff hiring and payroll
- Marketing and customer acquisition
- Space expansion and leasehold improvements
- Working capital to bridge slow periods or payment gaps
Start with your Bankability Score to see what you qualify for, or explore SBA loan alternatives designed for H-4 EAD business owners.
Frequently Asked Questions
Yes. H-4 EAD holders can legally own and operate this type of business and access Bankable's revenue-based funding. We evaluate business revenue and cash flow — not immigration status or green card.
No. Bankable does not require a green card, citizenship, or SBA eligibility. Your EIN, business bank account, and revenue history are the primary qualification factors.
Generally $10,000-$20,000 per month for at least 6 months of operating history. Higher-revenue businesses typically qualify for larger funding amounts.
Bankable issues decisions within 48 hours of receiving a complete application. Funding arrives within 3-5 business days of approval.
Your existing funding agreements remain in force. Future funding eligibility depends on your business's revenue performance at the time of application. We recommend building strong business credit now, independent of your immigration status.
Business bank statements (3-6 months), EIN, government-issued ID, and business formation documents. No green card, passport stamps, or immigration documents required.
No. As of March 2026, the SBA's 100% citizen/national ownership rule eliminates all SBA loan eligibility for H-4 EAD holders. Bankable's revenue-based funding is the primary alternative.
Yes. Equipment financing is available for most business types through Bankable. The equipment itself serves as collateral, reducing the immigration-status risk that traditional lenders apply.