Key Takeaways
- Maximum Bankable funding for O-1 holders: $5M
- Amount is determined by monthly revenue — typically 1-3x average monthly revenue
- No arbitrary cap based on visa status
- The $5M Bankable cap is the same for citizens and O-1 holders
- Check your Bankability Score to see your specific pre-qualification
The maximum business funding available to O-1 visa holders from Bankable is $5,000,000. This is the same maximum available to any business owner — citizens, permanent residents, and O-1 holders are subject to identical maximum amounts. Your specific qualification is determined by your monthly revenue, not your visa status. A business generating $400,000/month may qualify for significantly more than a business generating $20,000/month. Check your Bankability Score for your specific pre-qualification amount.
How Maximum Funding Amount Is Calculated
Bankable's maximum funding amount for a specific business is typically calculated as a multiple of average monthly revenue:
| Average Monthly Revenue | Typical Maximum Funding |
|---|---|
| $20,000/month | $40,000-$60,000 |
| $50,000/month | $100,000-$150,000 |
| $100,000/month | $200,000-$300,000 |
| $250,000/month | $500,000-$750,000 |
| $500,000/month | $1,000,000-$2,000,000 |
| $1,000,000/month | $2,000,000-$5,000,000 |
Factors That Affect the Maximum Amount
- Revenue consistency: Consistent monthly revenue qualifies for higher multiples than variable revenue
- Revenue trend: Growing revenue qualifies for more than flat or declining
- Industry: Higher-margin industries may qualify for higher multiples
- Time in business: Longer operating history supports higher amounts
- Outstanding funding: Existing Bankable or other RBF balances reduce the available new funding
Maximum vs. Recommended Amount
Qualifying for a maximum does not mean taking the maximum is the right decision. Revenue-based funding at 3x monthly revenue represents a repayment obligation of approximately 15% of revenue for 6 months — meaningful but manageable. Taking 5x monthly revenue increases the repayment pressure significantly. Bankable's underwriters recommend the amount that best matches your use case and repayment capacity, not simply the maximum available. Compare product structures.
After the $5M Maximum: Larger Capital Options
For O-1 business owners whose needs exceed $5M — typically businesses with $1M+/month in revenue seeking substantial growth capital — Bankable can discuss portfolio structures combining revenue-based funding with equipment financing and private equity. Businesses at this scale also typically have access to private credit markets and commercial banks that evaluate non-permanent residents on a case-by-case basis.
Frequently Asked Questions
Up to $5M from Bankable. This is the same maximum available to any business owner.
Typically 1-3x average monthly revenue, with higher multiples for consistent, growing businesses.
Yes — for businesses with $300,000-$500,000+/month in revenue.
Yes — for businesses with $1,000,000+/month in revenue.
No. The maximum is the same regardless of visa status.
Higher revenue increases the maximum available amount, but consistency, trend, and industry also affect the final determination.
Yes. Bankable funding can be combined with equipment financing, private investors, or other capital sources.
For needs above $5M, Bankable can discuss portfolio structures or refer you to private credit markets that evaluate large O-1 businesses case-by-case.
Check your Bankability Score at bankablefunds.com for a personalized pre-qualification amount.
Existing revenue-based funding balances reduce the available new funding amount. Other business debt is evaluated holistically.