Key Takeaways
- Revolving working capital lines give H-4 EAD businesses flexible access to capital as needed
- Draw what you need, repay when revenue allows — aligned with H-4 EAD business cash flow
- Working capital lines up to $1M for H-4 EAD businesses without green card requirement
- Monthly draws available for payroll, inventory, marketing, or any operational need
- Bankable's working capital lines are evaluated on revenue — not citizenship status
As an H-4 EAD entrepreneur, every business milestone you reach — from your first dollar of revenue to hiring your first employee to expanding into new markets — is harder than it should be because traditional lenders refuse to engage seriously with your funding needs. The March 2026 SBA rule change made this worse, eliminating the last government-backed option that H-4 EAD business owners could theoretically access.
Bankable was built specifically for this gap. Our revenue-based funding has no citizenship requirement. It has no green card requirement. It has no SBA eligibility requirement. The only thing it requires is a business that generates revenue — and you have built that.
How This Funding Works
- Apply online: No in-person meeting, no immigration document requirements
- 48-hour decision: Based on business bank statements and revenue documentation
- Fund in 3-5 days: Capital arrives in your business bank account
- Revenue-based repayment: Payments flex with your business performance
- No green card required: Ever, at any stage of the process
Protecting Your Business from Immigration Uncertainty
One of the most important things an H-4 EAD entrepreneur can do is build a business that is fundable independently of their immigration status. This means building business credit, maintaining clean business bank accounts, documenting revenue thoroughly, and establishing funding relationships before you need them urgently. If your H-1B spouse loses their job, a business with established funding sources and documented revenue has far more options than one that has never been evaluated.
Start with Bankability Score to understand your current funding position, or review SBA alternatives available to H-4 EAD business owners.
Frequently Asked Questions
Yes. H-4 EAD holders can access Bankable's revenue-based funding for any legitimate business purpose. We evaluate business revenue and cash flow — not immigration status or green card.
No. Bankable has no green card requirement. Your EIN, business bank account, and 3-6 months of revenue history are sufficient to apply.
Bankable issues decisions within 48 hours of a complete application. Funding arrives in your business bank account within 3-5 business days of approval.
Bankable provides funding up to $5M for qualified H-4 EAD businesses. The specific amount depends on your monthly revenue, operating history, and cash flow consistency.
Existing funding agreements remain in force regardless of changes to your immigration situation. Future funding eligibility is based on your business's revenue performance at the time of any new application.
Business bank statements (3-6 months), EIN, government-issued ID, and business formation documents. No immigration documents, green card, or citizenship proof required.
No. The SBA's 100% citizen/national rule eliminates all H-4 EAD holder eligibility for SBA loans as of March 2026. Bankable's revenue-based funding is the primary alternative.
We prefer 6 months of operating history for most funding types. Businesses with 3-5 months of strong revenue can be evaluated for smaller amounts. Equipment financing has the lowest history threshold.