Key Takeaways
- L-2 EAD holders need to understand: Traditional banks decline most non-citizen business loan applications due to risk policies and docum...
- The 2022 DHS rule confirmed L-2 spouses have full work authorization incident to status
- SBA programs blocked for non-citizens since March 2026 — Bankable is the alternative
- Bankable evaluates business revenue, not immigration status or green card
- 48-hour decisions for L-2 EAD businesses throughout the United States
Traditional banks decline most non-citizen business loan applications due to risk policies and documentation requirements. Bankable was designed for exactly the situation L-2 EAD business owners face: strong businesses, legitimate revenue, legal work authorization — but excluded from traditional channels. The comparison: Banks (weeks/months, citizenship preferred, collateral required) vs. Bankable (48 hours, no citizenship, no collateral typically).
Bankable serves L-2 EAD business owners throughout the United States with revenue-based funding from $25,000 to $5,000,000. We do not require a green card, US citizenship, or permanent residency. We evaluate your business performance — your revenue consistency, growth trajectory, and operating history. The 2022 DHS rule confirming L-2 work authorization incident to status means you are fully authorized to own and operate your business. Bankable provides the capital to do it.
Apply for L-2 EAD Business Funding Today
The application takes 5 minutes. Upload 3-6 months of bank statements. Receive your decision in 48 hours. Join L-2 EAD business owners across the US who chose Bankable when SBA and bank options were no longer available to them.
Frequently Asked Questions
Traditional banks decline most non-citizen business loan applications due to risk policies and documentation requirements. Bankable was designed for exactly the situation L-2 EAD business owners face: strong businesses, legitimate revenue, legal work
No. Bankable does not require a green card. We fund L-2 EAD businesses based on revenue. Your L-2 EAD work authorization is sufficient.
The March 2026 SBA rule requires all principals to be US citizens. L-2 EAD holders are now excluded from all SBA programs. Bankable is the primary alternative.
48 hours from completed application. Funding in 2-5 business days after approval.
From $25,000 to $5,000,000, based on your monthly revenue. Typically 1-2x your monthly gross revenue.
3-6 months of business bank statements, EIN, business license, and basic business information. No immigration documents required in underwriting.
Nothing. Your Bankable funding is tied to your business revenue, not your spouse's employment. L-1 employer changes have no effect on your funding.
Yes. Bank rejections are common for non-citizen business owners. Bankable is not a bank and does not use the same underwriting criteria. Our revenue-based model is specifically designed for businesses that banks decline.