Key Takeaways
- O-1 business owners qualify for cash flow bridges on business revenue
- Payroll, rent, and supplier payment gaps all covered
- SBA barred for all O-1 holders since March 2026
- Revenue-based repayment means you repay as cash flow recovers
- 48-hour decisions, no green card required
Cash flow gaps are the silent business killer — not because the business isn't profitable, but because revenue and expenses don't arrive in the same timing window. A profitable O-1 business can simultaneously be unable to make payroll because $80,000 in receivables won't clear for 30 days. Bankable funds O-1 cash flow bridges against that predictable incoming revenue — advancing today what the business has earned but not yet received. Check your Bankability Score.
Common Cash Flow Gap Scenarios
- B2B service businesses: Invoice sent, net-30 terms means 30 days to payroll with no cash
- Healthcare practices: Insurance reimbursement 30-90 days after service delivered
- Construction contractors: Draw requests on 30-60 day approval cycles vs. weekly payroll
- Seasonal businesses: Off-season fixed costs vs. seasonal revenue concentration
- Rapid growth businesses: Revenue accelerating faster than the business's working capital base
How Cash Flow Bridge Financing Works
Bankable advances capital against the business's trailing revenue history and documented receivables. We look at: average monthly revenue, accounts receivable aging, and the specific cause of the current gap. A business with $80,000 in 30-day receivables and $50,000 in immediate payroll/supplier obligations is a straightforward cash flow bridge scenario. We advance $50,000 today, repayable as incoming payments clear over the next 30-60 days.
Revenue-Based Repayment for Cash Flow Management
Revenue-based repayment is particularly valuable for cash flow management because it is inherently tied to the business's actual incoming cash. As receivables clear and revenue lands in the bank account, repayment occurs proportionally. You never pay more than you earn in a given period. This self-correcting mechanism prevents the compounding cash flow stress that fixed-payment loans create when layered on top of an existing gap. Compare product structures.
Frequently Asked Questions
Yes. Bankable provides cash flow bridge financing to O-1 business owners on business revenue. No green card required.
Invoice payment delays, insurance reimbursement cycles, construction draws, seasonal gaps, and rapid growth capital needs all qualify.
48 hours from complete application.
$15,000/month in current business revenue with 6 months of operating history.
Up to $3M based on monthly revenue and receivables documentation.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
Repayment is a percentage of daily revenue — as cash flow recovers, repayment occurs proportionally.
Yes. Accounts receivable aging reports strengthen cash flow bridge applications.
Revenue-based repayment adjusts to actual incoming cash — larger gaps mean slightly longer repayment timelines, not default events.
Yes. Bankable supports recurring cash flow management relationships with O-1 business owners.