Key Takeaways
- O-1 holders qualify for revolving business lines on revenue — no bank relationship needed
- Draw what you need, repay from revenue, draw again
- SBA lines barred for O-1 holders since March 2026
- More flexible than term loans for recurring capital needs
- 48-hour setup, no green card required
A business line of credit provides revolving access to capital — the most flexible structure for businesses with recurring, variable capital needs. O-1 business owners typically cannot access traditional bank lines of credit (which require established banking relationships and often prefer permanent residents), and SBA line products are now barred under the March 2026 rule. Bankable provides O-1 business lines of credit up to $3M on business revenue — no bank history, no green card, 48-hour setup. Check your Bankability Score.
How Bankable's Business Line Works
Bankable establishes a credit line based on your average monthly revenue — typically 1-2x average monthly revenue as the total line capacity. The line is revolving: draw capital when you need it, repay from daily revenue, and the capacity resets for future draws. There is no requirement to maintain a minimum drawn balance. You pay only on what you draw, only when you draw it.
Line vs. Loan: Which Is Right?
- Use a line when: Capital needs are recurring and variable (seasonal stock-up, payroll bridging, marketing campaigns, multiple small needs over time)
- Use a term loan/advance when: You have a single, large, defined capital need (opening a location, buying equipment, funding a specific project)
- Use both when: You have both a defined large need and recurring variable needs — term advance for the specific project, line for the operational flow
Line Amount Determination
Your line amount is determined by average monthly revenue and operating history:
| Monthly Revenue | Typical Line Amount |
|---|---|
| $20,000/month | $20,000-$40,000 |
| $50,000/month | $50,000-$100,000 |
| $150,000/month | $150,000-$300,000 |
| $500,000/month | $500,000-$1,500,000 |
| $1,000,000/month | $1,000,000-$3,000,000 |
Bank Lines vs. Bankable Lines for O-1 Holders
Traditional bank lines require 2+ years of banking relationship, permanent residence or citizenship in most cases, and 30-90 days of approval process. Bankable lines require 6 months of operating revenue, no immigration requirements, and 48 hours to establish. Bank lines carry lower interest rates; Bankable lines are accessible to O-1 holders immediately. Many O-1 holders use Bankable as a bridge until they can establish bank line relationships after permanent residence. Compare all Bankable products.
Frequently Asked Questions
Yes. Bankable provides revolving business lines of credit to O-1 holders based on monthly revenue. No green card required.
Up to $3M based on average monthly revenue.
48 hours from complete application.
Yes. SBA CAPLines (SBA line of credit products) require citizenship. Bankable's private lines do not.
Draw capital when needed, repay from daily revenue, and the capacity resets as balance is repaid.
Minimum draws are typically $10,000.
No. You pay only on what you draw and when you draw it.
Yes. Line increases are available for businesses demonstrating consistent usage and repayment history.
$15,000/month with 6 months of operating history.
Yes. Business lines have no use restrictions beyond general business purposes — payroll, inventory, marketing, repairs, and more.