Key Takeaways
- O-1 biotech researchers qualify on lab revenue, grants, and contract research
- Equipment, lab expansion, and CRO contracts all funded
- SBA barred for O-1 holders since March 2026
- Non-dilutive alternative to venture biotech funding
- 48-hour decisions, no green card required
O-1 biotech scientists — principal investigators with significant publication records, researchers who have led NIH-funded programs, and biotechnology founders whose work has been recognized at the industry's highest levels — are building laboratory businesses that generate real, verifiable revenue. CRO contracts, government grants, licensing agreements, and research service fees create a fundable revenue base. Bankable funds O-1 biotech lab businesses on contract research and licensing revenue — without requiring equity dilution or a green card. Check your Bankability Score.
What Biotech Lab Funding Covers
- Laboratory equipment: Sequencers, mass spectrometers, PCR systems, cell culture infrastructure
- CRO contract working capital: Staff and supplies for new contract research engagements
- Regulatory filings: FDA, IRB, and compliance documentation costs
- IP development: Patent applications, licensing negotiation support
- Facility expansion: Lab space buildout, biosafety infrastructure
- Research staff: PhD-level scientists, lab technicians, data analysts
CRO Revenue as Bankable Income
Contract research organizations (CROs) performing laboratory services for pharmaceutical, medical device, and biotech clients generate predictable, invoiced revenue. A CRO averaging $100,000/month in research service billings has a strong qualifying profile. We evaluate CRO applications using invoicing history, contract documentation, and bank statements. Government grant revenue (NIH SBIR, NSF) is also evaluated as supporting documentation.
Non-Dilutive Capital for Biotech Founders
Biotech VC funding requires years of validation, Series A rounds typically at 25-35% equity dilution, and boards with strong opinions on research direction. For O-1 biotech founders who need $500K-$2M to bridge to a milestone — a partnership agreement, a licensing deal, a Phase I completion — Bankable's non-dilutive revenue-based funding is a faster, cheaper path to capital without surrendering ownership or research autonomy.
Frequently Asked Questions
Yes. Bankable funds O-1 biotech labs on CRO contract and licensing revenue. No green card required.
Government grants (NIH SBIR, NSF) are evaluated as supporting documentation alongside contract revenue.
$30,000/month in verifiable lab or CRO revenue with 6 months of history.
Yes. Scientific equipment qualifies for asset-secured financing.
No. All funding is non-dilutive.
48 hours from complete application.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
Yes. IP development costs are valid working capital uses.
Up to $5M based on monthly revenue.
Yes. Regulatory compliance costs are fundable working capital uses.