Key Takeaways
- L-2 EAD holders can pre-fund inventory and purchase orders without a green card
- Inventory financing unlocks seasonal opportunities that cash-constrained businesses miss
- Import-based inventory from home country suppliers is a core use case for L-2 EAD owners
- Fund before inventory arrives — timing your capital to your supplier's payment terms
- Bankable evaluates your sales history and order pipeline, not your immigration status
Inventory is the lifeblood of product-based businesses, and the timing mismatch between when you must pay suppliers and when customers pay you is one of the most common cash flow challenges. For L-2 EAD owners with import-based businesses, this challenge is amplified: you must pay your overseas supplier weeks before your goods arrive in the US, let alone before you sell them to customers.
How Inventory Financing Works
Bankable advances capital based on your inventory purchase needs and revenue history. You receive funding before your supplier's payment deadline. When your inventory sells and customer payments arrive, you repay through our standard revenue-based mechanism. The key is that we evaluate your track record of turning inventory into revenue — your sales velocity and sell-through rate are as important as your credit history.
Inventory Financing Use Cases for L-2 EAD Owners
- Seasonal pre-buy: Q4 holiday inventory, Lunar New Year product lines, Diwali collections, or summer seasonal goods
- Import purchase orders: Pay overseas suppliers before goods ship from your home country
- Supplier minimum orders: Meet manufacturer MOQs (minimum order quantities) to access better pricing
- Opportunity buying: Capitalize on closeout, excess inventory, or favorable exchange rate opportunities
- Amazon FBA inventory: Pre-fund inventory builds for Amazon fulfillment center replenishment
- New product launch: Initial inventory for a new SKU before its sales velocity is established
Frequently Asked Questions
Yes. Inventory financing is one of the most common funding uses for L-2 EAD business owners, particularly those with import-based businesses. Bankable evaluates your sales history and inventory turn rate, not your immigration status.
Our inventory financing is structured as revenue-based funding — you repay from a percentage of daily revenue deposits. We do not take a lien on your specific inventory, which means our funding is faster and more flexible than traditional asset-based lending.
Yes. We can advance capital timed to your supplier's payment deadline, even before goods ship. Your track record of selling similar inventory is our primary underwriting criterion.
New product inventory financing requires more documentation: your existing business revenue history for similar products, the product's market validation (pre-orders, retailer interest), and your overall business strength. Contact us to discuss your specific situation.
Inventory financing amounts depend on your monthly revenue. We typically fund 1-2x your monthly revenue in inventory. A business doing $50,000/month in sales can generally qualify for $50,000-$100,000 in inventory capital.
Yes. Amazon FBA inventory builds are one of the most common inventory financing use cases. We look at your Amazon disbursement history to underwrite your inventory financing needs.
Perishable inventory creates additional risk (goods that cannot be sold if they expire). We evaluate perishable inventory financing case-by-case based on your sell-through history and the perishability window.
Repayment is a daily percentage of your revenue deposits. As your inventory sells and revenue comes in, repayment flows automatically. If your inventory takes longer to sell than projected, your repayment extends proportionally.