Key Takeaways
- Bankable’s funding range for J-1 holders is $25,000 to $5,000,000
- Your maximum is approximately 10–20% of annualized revenue (monthly revenue x 12)
- Higher revenue consistency and longer operating history increase your maximum amount
- First-time applicants typically start at 10–15%; renewals can reach 15–20%
- There is no upper limit on your business revenue—$5M is the advance ceiling, not a revenue ceiling
The most common question after “can I qualify?” is “how much can I get?” For Bankable’s revenue-based program, the answer is straightforward: approximately 10–20% of your annualized revenue, up to a maximum of $5,000,000. This structure ensures the advance is proportional to your business’s actual capacity to repay.
Maximum Loan Amount Calculator for J-1 Businesses
| Monthly Revenue | Annualized Revenue | First-Time Max (10%) | Renewal Max (20%) |
|---|---|---|---|
| $10,000 | $120,000 | $12,000 | $24,000 |
| $25,000 | $300,000 | $30,000 | $60,000 |
| $50,000 | $600,000 | $60,000 | $120,000 |
| $100,000 | $1,200,000 | $120,000 | $240,000 |
| $250,000 | $3,000,000 | $300,000 | $600,000 |
| $500,000+ | $6,000,000+ | $500K–1M | Up to $5M |
Factors That Increase Your Maximum
- Longer operating history: Businesses with 12+ months of revenue qualify for higher percentages
- Revenue consistency: Steady, predictable monthly deposits support higher advance amounts
- Prior Bankable relationship: Successful advance retirement qualifies you for higher renewal amounts
- Industry: Stable industries (healthcare, professional services) often qualify for higher percentages than cyclical ones
- Business bank account health: Low NSFs, no overdrafts, and positive ending balances support higher maximums
Factors That Decrease Your Maximum
- Irregular deposits: High variance month-to-month suggests revenue instability
- NSF fees or overdrafts: Indicate cash management challenges that reduce advance sizing
- Short operating history: 3-month-old businesses qualify for smaller advances than 2-year-old businesses
- Existing debt obligations: Outstanding advances with other lenders reduce available capacity
Get your exact maximum estimate with your Bankability Score. Compare your options across all capital sources in our J-1 capital guide.
Can J-1 Holders Access More Than $5M?
Bankable’s maximum single advance is $5,000,000. For J-1 businesses with revenue exceeding $30M annually that need more than $5M in capital, supplementary sources (CDFI, institutional investors, or private lenders) would need to be added alongside Bankable’s program. For the vast majority of J-1 entrepreneurs, the $25K–$5M range is more than sufficient for their capital needs.
Frequently Asked Questions
$5,000,000 is the maximum single advance from Bankable. This is also the same maximum as the SBA 7(a) program, which is now inaccessible to J-1 holders.
To qualify for a $500K advance at the 10% first-time maximum, you need approximately $500,000 in monthly revenue ($6M annualized). At a 20% renewal maximum, $250,000 monthly ($3M annualized) would support a $500K advance.
You can request a specific amount in your application. Bankable’s underwriting will confirm whether your revenue supports that amount or suggest an alternative. If your requested amount exceeds what your revenue supports, we’ll offer the maximum qualifying amount.
No. The maximum is determined entirely by revenue, not visa status. A J-1 holder and a US citizen with the same revenue and bank statement history would qualify for the same maximum advance.
Yes. To qualify for $25K–$50K: approximately $10K–25K/month. For $100K–$250K: $50K–$125K/month. For $500K–$1M: $250K–$500K/month. For $1M–$5M: $500K+/month with consistent history.
Not simultaneously. Bankable does not stack advances above our total exposure limit. After retiring a prior advance, subsequent advances can be obtained. The $5M cap is per advance, not lifetime.
Your offer is based on the revenue at the time of application. If your business has grown significantly since a prior application, apply again with your current bank statements to qualify for a higher amount.
High revenue with irregular patterns may result in a more conservative advance offer (closer to 8–10% rather than 15–20%) due to repayment risk from volatile deposits. Providing 6 months of statements (rather than 3) can help demonstrate that high-revenue months are reliable.
We evaluate historical revenue from your bank statements. Projected or forecast revenue (from a business plan or pitch deck) is not used in underwriting. Only actual deposits in actual bank accounts count.
Bankable’s program is revenue-based and does not use asset values to increase advance amounts. Owning equipment or real estate does not increase your maximum beyond what revenue supports.