Key Takeaways
- Business emergencies don't wait for bank review timelines
- K-1 businesses access emergency capital in 48 hours at Bankable
- Equipment failure, tax bills, eviction threats, and supplier crises all handled
- No green card required for emergency business capital
- Bankable's speed advantage is critical in true business emergencies
Business emergencies don't care about your immigration status or bank review timelines. A commercial oven fails on Friday night before your busiest weekend. A tax authority issues a levy notice. Your landlord threatens eviction over an overdue rent payment. A key supplier cuts off credit. These are real emergencies that require real capital within 24-72 hours -- not the 3-6 months that SBA processing takes or the weeks a bank requires. Bankable provides emergency business capital for K-1 EAD holders from $15K to $500K, with decisions in 48 hours and same-day funding possible for existing clients with established revenue history.
The K-1 Funding Challenge
- Equipment failures require immediate replacement capital to stay open for business
- IRS or state tax levies require fast capital to negotiate and pay
- Eviction notices require immediate overdue rent payment to avoid displacement
- Supplier credit cutoffs require emergency capital to maintain supply chain
- Banks cannot respond to K-1 holder emergency capital needs in relevant timeframes
- MCA providers that fund emergencies often charge predatory rates
Bankable Solutions for K-1 Business Owners
- Emergency Equipment Replacement ($15K-$200K): Fund a replacement commercial appliance, vehicle, or machine within 48 hours.
- Tax Authority Emergency Resolution ($10K-$100K): Fund immediate tax payment to stop levies and liens.
- Rent Arrears Bridge: Fund overdue commercial rent to preserve your lease and location.
- Supplier Emergency Restore: Pay outstanding supplier balances to restore credit and supply chain.
- Cash Flow Emergency Bridge: General emergency working capital for any urgent business need.
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.
Bankable makes decisions within 48 hours. For existing Bankable clients, emergency advances can be processed same-day or next-day. New applications for emergency capital are prioritized.
Equipment failure and replacement, tax authority notices, rent arrears, supplier payment demands, payroll emergency, insurance premium arrears, and any other urgent business expense that threatens operations.
Bankable's emergency capital application requires the same basic documentation as any application: recent bank statements, EIN, and EAD. For existing clients, much of this is already on file. New applicants should gather 3 months of statements immediately.
Bankable's pricing for emergency capital is consistent with its standard products. We do not apply emergency premiums. The same revenue-based repayment structure applies -- a percentage of daily revenue repays the advance automatically.