Key Takeaways
- Cash flow gaps are the #1 business killer -- Bankable bridges them
- K-1 businesses with strong revenue but delayed payments are perfect candidates
- Net-30/60/90 terms create cash flow gaps Bankable eliminates
- No green card required for cash flow bridge funding
- Revenue-based repayment from incoming customer payments
Cash flow gaps are the most common reason profitable K-1 businesses struggle. You've delivered services or products. Your client owes you money. But the payment won't arrive for 30, 60, or 90 days. Meanwhile, you have payroll, rent, and suppliers to pay this week. Banks won't advance bridge capital to K-1 holders -- they require collateral, green card status, and 2 years of tax returns. Bankable provides cash flow bridge funding for K-1 businesses from $25K to $2M, based on your outstanding invoices and revenue history, with 48-hour decisions and no green card requirement.
The K-1 Funding Challenge
- Net-30/60/90 customer payment terms create gaps between service and payment
- Payroll, rent, and supplier payments cannot wait for slow-paying clients
- Banks won't advance invoice-based working capital to K-1 holders
- SBA Express working capital loans are unavailable to K-1 AOS holders
- Seasonal revenue cycles (busy summer, slow winter) create predictable cash gaps
- One slow-paying client can cascade into a business-threatening cash crisis
Bankable Solutions for K-1 Business Owners
- Invoice Bridge Funding ($25K-$1M): Advance capital against outstanding invoices. Repay when clients pay.
- Seasonal Cash Flow Advance: Fund operations during slow seasons based on next busy season's expected revenue.
- Payroll Bridge: Ensure payroll is always funded regardless of client payment timing.
- Supplier Payment Advance: Pay suppliers on time even when clients are paying late.
- Revolving Working Capital Line: Access a revolving facility that bridges ongoing cash flow gaps automatically.
Why Banks Fail K-1 Entrepreneurs
Traditional banks evaluate business loan applications through a lens built for citizens and permanent residents. They demand two or more years of US tax returns, a Social Security number with a long credit history, and often require a green card or citizenship as an unstated condition. K-1 holders in the adjustment of status period rarely meet all these criteria simultaneously.
Bankable funds revenue, not immigration documents. Check your Bankability Score in 5 minutes with no hard credit pull. Explore SBA alternatives and revenue-based products.
Revenue-Based Funding
Up to $5M tied to your monthly business revenue. No green card required. 48-hour decision.
Apply Now →Equipment Financing
Asset-backed funding for K-1 business owners. Fast approval, EAD-eligible.
Learn More →Working Capital Bridge
Bridge cash flow gaps during AOS. Flexible repayment tied to your revenue.
Check Score →Frequently Asked Questions
No. Bankable does not require a green card or US citizenship for any of its funding products. A valid EAD and a registered US business entity are the primary requirements.
Bankable makes decisions within 48 hours of receiving complete documentation. Funding typically arrives within 3-5 business days of approval.
SBA rules require all 20%+ business owners to be US citizens or lawful permanent residents. K-1 holders in AOS are excluded regardless of revenue or business quality. Bankable fills this gap.
Typically 3-6 months of business bank statements, your EIN, proof of business ownership, and your EAD. The Bankability Score tool provides a personalized document list in 5 minutes.
Net-30/60/90 payment terms from commercial clients are the most common cause. Seasonal revenue cycles, large project expenses preceding client payment, and rapid growth that outpaces cash collections also create gaps.
Absolutely. Many K-1 businesses are profitable on paper but cash flow negative because clients pay slowly. Bankable bridges this gap -- your profitability is the signal that the gap will close, and Bankable funds the wait.
A traditional loan has fixed monthly payments regardless of your revenue. Bankable's bridge is repaid as a percentage of incoming revenue -- so slow payment periods mean lower Bankable payments, aligned with your actual cash position.
Within 48 hours of approval, often faster. For existing Bankable clients with established payment history, same-day or next-day advances are possible through pre-approved revolving facilities.