Key Takeaways
- Revolving working capital lines give K-1 businesses ongoing financial flexibility
- Draw what you need, when you need it -- repay as revenue arrives
- No green card required for Bankable working capital facilities
- Working capital lines replace the business credit lines banks deny K-1 holders
- Revenue-based facility grows as your business revenue grows
A revolving working capital line is one of the most powerful financial tools for a growing business -- you draw when you need capital, repay as revenue arrives, and the line replenishes automatically. Banks offer these to their best business customers who have green cards and 2+ years of US banking history. K-1 holders are systematically excluded. Bankable provides revolving working capital lines for K-1 EAD holders from $25K to $2M, based on your monthly revenue, with 48-hour setup and no green card requirement.
The K-1 Funding Challenge
- Banks don't offer revolving credit lines to K-1 AOS holders
- Business credit cards (a partial substitute) have low limits ($5K-$25K) insufficient for business needs
- Payroll and supplier payments fluctuate -- a fixed loan doesn't match the need
- SBA Express revolving loans are unavailable to K-1 AOS holders
- Without a working capital line, K-1 businesses must apply for new funding with each cash gap
- Working capital lines enable taking on larger contracts without cash flow risk
Bankable Solutions for K-1 Business Owners
- Revolving Working Capital Line ($25K-$2M): Access capital as needed, repay from revenue, redraw for next need.
- Payroll & Supplier Revolving Access: Use the line specifically for payroll and supplier payments, ensuring operations never pause.
- Seasonal Drawdown Feature: Draw heavily before peak season, repay during peak, start fresh for next cycle.
- Large Contract Enablement: Use the line to take on contracts larger than your cash reserve would normally allow.
- Facility Growth: As your revenue grows, your working capital line grows with it.
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.
A revolving line allows you to draw capital up to a maximum limit, repay it, and draw again -- like a business credit card but with much higher limits and revenue-based repayment. You only pay on what you've drawn.
Bankable evaluates your monthly revenue history (3-6 months of statements), business entity documents, and EAD. The line amount is typically 1x-2x your monthly revenue. Check your Bankability Score for a personalized estimate.
Yes. As your business revenue grows, your Bankable facility can grow with it. Many K-1 entrepreneurs start with a $50K line and expand to $250K-$1M as their business scales.
Repayment is a percentage of your daily or weekly revenue -- automatic, consistent, and aligned with your cash flow. Slower revenue periods mean lower payments; higher revenue periods mean you pay down faster.