Key Takeaways
- J-1 holders can own US manufacturing companies — no citizenship required
- SBA manufacturing loans require 100% citizenship as of 2026
- Equipment financing and working capital up to $5M for manufacturers
- Revenue-based repayment tied to customer purchase order deposits
- J-2 EAD spouses in manufacturing qualify independently
Manufacturing Funding for J-1 Exchange Visitors
J-1 specialists in engineering, industrial design, and production management frequently develop manufacturing concepts during their exchange programs that they later commercialize. Small-batch manufacturers, contract manufacturers, and product companies with US-based production all benefit from Bankable's revenue-based funding model.
Manufacturing Funding Uses
- CNC machines, injection molding equipment, and production tooling
- Raw material purchasing ahead of large purchase orders
- Production floor build-out and lease improvements
- Quality control systems and ISO compliance costs
- Working capital for net-30/60 customer payment cycles
- Inventory of finished goods for distribution
- Workforce expansion — production workers, quality engineers
- Export compliance and international shipping costs
Equipment Financing
Fund production equipment with asset-backed financing. Machinery serves as collateral.
Explore →Working Capital
Bridge the gap between purchase order receipt and customer payment. Net-30/60 bridge funding.
Learn More →Inventory Financing
Fund raw material purchases before large production runs. Repay from customer deposits.
Learn More →Frequently Asked Questions
Yes. J-1 holders can legally own and operate manufacturing businesses in the US. No citizenship or green card is required for business ownership.
Bankable finances CNC machines, injection molding equipment, 3D printers, conveyor systems, packaging equipment, and virtually any production machinery. Equipment financing uses the machinery as collateral for better rates.
Bankable's working capital funding can bridge the gap between receiving a purchase order and the customer's payment on delivery. We fund against your trailing revenue history rather than the specific PO, providing more flexibility than traditional PO financing.
$25,000/month in gross manufacturing revenue verified through bank deposits. Job shop manufacturers with variable monthly revenue are evaluated on their 6-month average.
No. Section 212(e) has no effect on manufacturing business ownership or funding.
Yes. J-2 EAD holders with work authorization can own and operate manufacturing businesses and qualify for Bankable funding independently.
Bankable funds J-1 manufacturing businesses from $50,000 to $5,000,000. A manufacturer generating $200,000/month in sales can typically access $400,000–$1,200,000.
4–6 months of business bank statements, government-issued ID, business registration, and for equipment financing, a quote or invoice from the equipment vendor.
48-hour decisions for working capital funding. Equipment financing decisions may take 24–72 hours depending on the equipment type and vendor documentation.
SBA requires 100% citizenship as of 2026. Bankable requires no citizenship, issues decisions in 48 hours versus SBA's 3–6 months, and funds based on revenue rather than personal credit score.