Does Bankable Require a Green Card for Business Funding?

Key Takeaways

Bankable does NOT require a green card, citizenship, or permanent residency.
A valid EAD (Employment Authorization Document) is the only immigration document needed.
Bankable underwrites based on business revenue, not immigration timeline.
K-1 holders in AOS are explicitly welcome — Bankable's program was built for this population.
Repayment flexes with your revenue; no fixed monthly payments that strain cash flow.

The single most common question from K-1 fiancé(e) visa holders trying to grow a business is: "Does Bankable require a green card?" The answer is no — and that answer is built into the foundation of how Bankable underwrites every application.

Bankable was created specifically to serve business owners who are legally authorized to work and earn in the United States but who lack the immigration documents that traditional lenders treat as prerequisites. This guide explains precisely what Bankable requires, what it does not require, and why its approach produces faster, fairer outcomes for K-1 holders than any bank or SBA lender.

What Bankable Actually Requires

Bankable's minimum eligibility criteria for K-1 AOS holders are straightforward:

A valid, unexpired EAD (Form I-766) showing work authorization
At least six months of active business operations
Minimum $15,000 in average monthly gross revenue
A business bank account in the United States
Three to six months of business bank statements

That is the complete list. No green card. No citizenship. No U.S. tax returns from prior years. No minimum U.S. credit score (though credit is reviewed as a secondary factor). No collateral pledge.

What Bankable Does NOT Require

To be explicit about what is off the table during Bankable's underwriting review:

Green card (Form I-551) — not required at any stage
Permanent residency or LPR status — not required
U.S. citizenship — not required
Three or more years of U.S. tax returns — not required
Personal collateral (home, vehicle, savings) — not required
U.S. credit history of any specific length — not required (though reviewed)
A U.S. citizen co-signer — not required

How Bankable Evaluates K-1 Applications

Bankable's underwriters review your business bank statements to evaluate three core signals: average monthly deposits, deposit consistency, and revenue trend direction (growing, stable, or declining). A business generating $20,000 per month with consistent deposits and a mild upward trend will typically qualify for 1.0x to 1.5x monthly revenue in initial funding.

Green Card Required

Collateral Required

$15K

Min Monthly Revenue

48 hrs

Decision Time

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

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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 →

Does Bankable Require a Green Card for Business Funding?

Key Takeaways

What Bankable Actually Requires

What Bankable Does NOT Require

How Bankable Evaluates K-1 Applications

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

Why Banks Fail K-1 Entrepreneurs

Revenue-Based Funding

Equipment Financing

Working Capital Bridge

Frequently Asked Questions

Apply Without a Green Card EAD + revenue is all you need.

Apply in 5 Minutes.
Decision in 48 Hours.

Does Bankable Require a Green Card for Business Funding?

Key Takeaways

What Bankable Actually Requires

What Bankable Does NOT Require

How Bankable Evaluates K-1 Applications

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

Why Banks Fail K-1 Entrepreneurs

Revenue-Based Funding

Equipment Financing

Working Capital Bridge

Frequently Asked Questions

Apply Without a Green Card EAD + revenue is all you need.

Apply in 5 Minutes.Decision in 48 Hours.

Apply in 5 Minutes.
Decision in 48 Hours.