Key Takeaways
- Maximum loan amount is directly tied to your monthly business revenue
- Most parole-status business owners qualify for 1x–2x their monthly revenue
- Bankable's maximum is $500,000 for qualifying businesses
- Consistent, growing revenue qualifies for higher amounts and better rates
- No green card required — EAD and bank statements determine your limit
How Bankable Calculates Your Maximum Loan Amount
The single most important factor in determining your maximum loan amount is your average monthly business revenue — specifically, the average of your business bank deposits over the past 3 to 6 months.
Bankable's general formula: your maximum funding amount is approximately 1 to 2 times your average monthly revenue. A business averaging $50,000 per month in deposits typically qualifies for $50,000 to $100,000 in funding. A business averaging $200,000 per month may qualify for $200,000 to $400,000.
This formula is a guideline, not a hard rule. Additional factors — business age, revenue consistency, industry, and existing debt — can adjust the offer up or down.
Factors That Increase Your Maximum Amount
- Higher average monthly revenue: The primary driver. More deposits = more funding
- Revenue consistency: Steady deposits month over month signal lower risk and justify higher amounts
- Longer business history: A 2-year-old business qualifies for more than a 6-month-old business with the same revenue, all else equal
- Revenue growth trend: A business growing 20% month-over-month may qualify for more than the current average suggests
- Low existing debt: If you have minimal other debt obligations, more of your revenue is available to service new debt
- Industry: Some industries with naturally higher margins or more predictable revenue patterns qualify for higher multiples
Factors That Decrease Your Maximum Amount
- Recent sharp revenue dips: A business that was at $80,000/month but dropped to $30,000/month in the past two months will be evaluated on the lower recent trend
- Existing revenue-based loans: If you already have a Bankable or competitor advance in repayment, available capacity is reduced
- Short business history: Under 6 months significantly limits the maximum
- High NSF/overdraft rate: Frequent insufficient funds events signal cash flow stress and reduce confidence in repayment
The $500,000 Maximum and How to Reach It
Bankable's absolute maximum for a single funding facility is $500,000. To qualify for amounts in this range, businesses typically need:
- $150,000–$250,000+ per month in average deposits
- 12+ months of operating history
- Consistent revenue without large dips
- Minimal existing debt
Most parole-status business owners who are 1–2 years into operations with $30,000–$100,000 per month in revenue will qualify in the $30,000–$200,000 range — meaningful capital for most business needs.
Check your Bankability Score to see your specific estimate. Also review how our limits compare to SBA loan limits.
Frequently Asked Questions
Through Bankable, parole-status business owners can access up to $500,000. The specific amount depends on monthly revenue — most businesses qualify for 1–2x their average monthly deposits.
At $20,000/month in average deposits, Bankable would typically offer $20,000–$40,000. With consistent revenue and 12+ months of history, this may be higher.
Yes, if your business generates $150,000–$250,000+ per month in consistent revenue with 12+ months of history. $500,000 is Bankable's maximum and requires strong financials.
No. Bankable's maximum funding amount is determined entirely by revenue. Two businesses with identical revenue profiles qualify for identical amounts regardless of the owner's visa category.
Yes. Many clients qualify for larger amounts on their second draw, especially if their revenue has grown. Bankable reviews line increases after repayment history is established.
Bankable's maximum is $500,000 per facility. For amounts above this, Bankable may be able to structure multiple facilities or refer you to partners. Once you have a green card or citizenship, SBA loans can go much higher.
Bankable's minimum is typically $10,000. Applications for very small amounts may be better served by CDFI microlenders.
Grow your revenue, maintain consistent deposits, build a repayment history with Bankable, and reduce other debt. All of these increase your maximum over time.