Key Takeaways
- L-2 EAD holders can access business line of credit without a green card
- 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
- 48-hour decisions based on business revenue, not immigration category
- Revenue-based repayment scales with your business income
A working capital line gives L-2 EAD businesses the ability to draw capital when needed and repay when cash flow is strong. Bankable's revolving working capital program provides flexible access to business capital without requiring a green card.
Bankable funds L-2 EAD business owners throughout the United States from $25,000 to $5,000,000. We make funding decisions in 48 hours without requiring citizenship, permanent residency, or any specific immigration status beyond your valid L-2 EAD work authorization. Our revenue-based repayment structure means your payments flex with your business performance — strong months mean faster repayment; slower months mean proportionally smaller payments.
How to Apply for Business Line of Credit
- Apply in 5 minutes: Basic business information and 3-6 months of bank statements
- 48-hour decision: Our analysts review your revenue history, not immigration paperwork
- Receive capital: Funds deposited to your business account within 2-5 business days
- Repay from revenue: A percentage of daily receipts — automatic and proportional
Frequently Asked Questions
Yes. L-2 EAD provides full work authorization for business ownership and capital access. Bankable does not require a green card for business line of credit. We evaluate your business revenue history.
No. Bankable is a private revenue-based funder. We do not participate in SBA programs, which is why we can fund L-2 EAD holders excluded from SBA programs since March 2026.
48 hours from application completion. Funding deposited 2-5 business days after approval.
Up to $5,000,000. Your specific amount is based on your business revenue — typically 1-2x your monthly revenue.
Your Bankable funding is tied to your business revenue, not your spouse's employment. A change in L-1 employer has no effect on your funding.
Our standard programs are unsecured — no specific collateral required. We take a general business lien. Equipment-specific financing may use the equipment as security.
3-6 months of business bank statements, EIN, business license, and basic business information.
Yes. Successful repayment makes you eligible for renewal or increase. Many L-2 EAD business owners use Bankable repeatedly as their businesses grow.