Key Takeaways
- Maximum loan amount at Bankable is $5M — available to L-1 holders with sufficient business revenue
- Your business's monthly cash flow determines your borrowing capacity, not your visa type
- Smaller amounts ($25K–$500K) are accessible with 3–6 months of bank statement history
- Larger amounts ($500K–$5M) typically require 12+ months of history and detailed financials
- Multiple simultaneous loan products can increase total available capital
The maximum business loan amount available to an L-1 visa holder at Bankable is $5,000,000. This is the programmatic maximum across our working capital, equipment financing, commercial real estate, and business acquisition products. The amount any specific borrower qualifies for is determined entirely by their business's financial profile — revenue, cash flow consistency, debt service capacity, and industry — not their immigration status.
This means an L-1 holder with a business generating $500,000 per month in revenue and strong margins can qualify for the same loan amounts as a US citizen with an identical business. Visa status adds zero premium and causes zero discount in our underwriting. What matters is the business.
How Maximum Loan Amount Is Calculated
Bankable uses Debt Service Coverage Ratio (DSCR) as the primary sizing tool. We look at your business's monthly net cash flow and determine how much additional debt service the business can carry while maintaining a minimum 1.25x coverage ratio. For example: if your business generates $50,000/month in net cash flow and your existing debt payments total $5,000/month, your available debt service is $37,500/month (maintaining 1.25x on the $50,000). At a 5-year term and 12% rate, $37,500/month in debt service supports approximately $1.6M in additional borrowing. The actual maximum depends on these calculations run against your specific financials.
Tier Breakdown by Business Stage
Early stage (3–6 months US revenue): Typically $25K–$150K depending on revenue consistency. Established (6–18 months US revenue): Typically $100K–$500K with good revenue documentation. Mature (18+ months, growing revenue): Typically $250K–$2M with standard financial documentation. Large established operations (multiple years, strong DSCR): Up to $5M with full financial documentation package.
Increasing Your Borrowing Capacity
The fastest ways to increase your maximum loan amount: consistently deposit all business revenue through your US bank account, build 12+ months of strong banking history, reduce existing debt obligations, maintain a clean payment history on current obligations, and present organized financial documentation that demonstrates your business's true earning power. Start your assessment at our Bankability Score tool for a personalized calculation based on your actual revenue. Review all products to understand how to layer multiple financing facilities to maximize available capital.
Frequently Asked Questions
Bankable's maximum loan amount is $5,000,000. This is available to L-1 holders with sufficient business revenue and financial history to support the debt service. Visa status does not cap the maximum borrowing amount.
We calculate your maximum loan amount using Debt Service Coverage Ratio (DSCR). We analyze your monthly net cash flow, existing debt obligations, and determine how much additional debt service your business can carry while maintaining at least 1.25x coverage. This is then converted to a maximum loan amount based on term and rate.
A rough guideline: to support $500,000 in borrowing over 5 years at market rates, you need approximately $8,000–$12,000/month in available debt service capacity (after existing obligations). This typically corresponds to $40,000–$60,000/month in gross revenue for a well-managed business, though specific margins and expenses vary significantly.
Yes. Providing collateral — real estate, equipment, or business assets — can increase your maximum loan amount by reducing the lender's risk. For commercial real estate financing, the property itself is the primary collateral and significantly increases borrowing capacity.
Bankable's minimum loan amount is $25,000. Below this threshold, the underwriting cost and administrative burden make lending economically inefficient. For very small needs, a business credit card or small CDFI loan may be more appropriate.
Yes. Many Bankable clients carry multiple simultaneous products — for example, an equipment loan plus a working capital line plus a commercial real estate facility. Each product is underwritten separately, and the combined debt service must fit within your DSCR capacity.
Industries with predictable, stable revenue (healthcare, software subscriptions, recurring service contracts) often qualify for higher amounts relative to their revenue than industries with volatile or seasonal revenue. High-risk industries may face lower DSCR requirements, reducing the maximum available amount.
For capital needs above $5M, Bankable may be able to facilitate syndicated lending where we co-lead with another private lender. Alternatively, for real estate transactions above $5M, we can provide the first-position loan and structure other lenders into subordinate positions. Contact us to discuss large capital needs.
Yes. A guarantee from the parent entity — particularly a well-established international company — can significantly increase the loan amount available to a relatively young US entity. This is one of the financial advantages the L-1 visa structure provides.
Personal credit is one factor among many. Bankable primarily underwrites on business revenue. Poor personal credit may limit some products or require additional collateral, but it does not automatically cap your borrowing at a low amount. Strong business revenue can offset weak personal credit in many cases.