Key Takeaways
- All SSN-issuing visa categories qualify: H-1B, L-1, TN, O-1, E-2, H-4 EAD, F-1 OPT, DACA, TPS, asylum, AOS EAD
- Visa stamp or I-94 copy not required — SSN is the only immigration document needed
- Funding up to $5M for established visa-holder-owned businesses
- Visa holder businesses span all industries — every sector is served
- 48-hour decisions, same-week funding deployment
Business funding for visa holders with SSN covers the full spectrum of non-immigrant work authorization categories that operate businesses in the United States. Bankable serves them all — from the H-1B engineer who has built a seven-figure consulting practice to the DACA recipient running a third-generation restaurant to the E-2 investor managing an active franchise portfolio.
The common thread across all these visa categories is the Social Security Number. When the SSA issues an SSN to a work-authorized non-citizen, it is recognizing that person's legal right to participate in the US economy — to earn income, pay taxes, and build financial identity. Bankable's funding philosophy simply extends this recognition to the business capital context: if the US government considers you legally authorized to work and assigns you an SSN, your business deserves the same capital access as any other legally operating US business.
Visa Categories Bankable Serves
| Visa Type | Category | Est. Population | Business Rights |
|---|---|---|---|
| H-1B | Specialty Occupation | ~600,000 | Limited to sponsored employer; side businesses vary |
| L-1A/B | Intracompany Transferee | ~200,000 | US operations management |
| TN | USMCA Professional | ~200,000 | Professional practice permitted |
| O-1 | Extraordinary Ability | ~40,000 | Business in area of extraordinary ability |
| E-2 | Treaty Investor | ~60,000 | Active business required |
| E-1 | Treaty Trader | ~15,000 | Trade business operations |
| H-4 EAD | H-1B Spouse with Auth | ~90,000 | Full work authorization |
| F-1 OPT | Student Work Auth | ~300,000 | Business ownership permitted |
| DACA | Deferred Action | ~580,000 | Full work authorization via EAD |
| TPS | Temporary Protected | ~700,000 | Full work authorization via EAD |
| Asylum/AOS EAD | Pending Status | ~1.5M+ | Full work authorization via EAD |
Industry Focus for Visa Holders
Bankable funds visa holder businesses across every industry. Common applications include H-1B holders funding technology consulting firms, DACA recipients expanding restaurant operations, E-2 investors purchasing additional franchise units, TN engineers growing engineering consulting practices, and TPS holders scaling cleaning, landscaping, and construction services businesses.
Every industry that generates consistent revenue qualifies. Start your application with a Bankability Score check and receive a personalized funding analysis within 48 hours.
Frequently Asked Questions
No. Bankable uses your SSN for identity and credit verification and your EIN for business credit. Your underlying visa category is not required documentation in our application process.
Prior visa statuses do not affect your current eligibility. What matters is your current valid work authorization (evidenced by your SSN) and your current business revenue. Prior status changes are irrelevant to Bankable's underwriting.
Yes. If you have a pending visa renewal and your current authorization is not expired, you can apply. Bankable's team will work with you on appropriate funding term lengths given your renewal timeline.
It depends on your visa type. H-1B holders must be careful about business ownership and employment restrictions — consult an immigration attorney. TN holders generally cannot have passive investment only. E-2 holders are already running qualifying businesses. DACA and EAD holders have broad business rights. Bankable funds your business as presented; immigration compliance is your responsibility.