Key Takeaways
- Revolving capital line: draw what you need, repay from revenue, redraw as needed
- No green card required — EAD and consistent revenue qualify you
- Lines from $25K to $500K based on monthly revenue volume
- Revenue-based repayment — payments shrink when revenue dips
- Same-week funding after approval; ongoing draws in 24–48 hours
What a Working Capital Line Does for Your Business
A working capital line is a standing credit facility you draw from when you need it and repay as revenue comes in. Unlike a one-time loan, it's revolving: once you repay what you drew, the capacity is available again. This makes it the most flexible funding tool available — and the most useful for businesses with irregular cash cycles.
For parole-status business owners, a working capital line is especially powerful because it removes the need to apply for a new loan every time a gap arises. You have a standing facility, and you use it when you need it.
How Bankable's Working Capital Line Works
Bankable's working capital line operates on a revenue-based structure:
- Approval: Based on your EAD, business bank statements (3–6 months), and revenue volume, Bankable establishes a maximum line amount
- Draws: You request a draw up to your available limit — typically processed within 24–48 hours
- Repayment: A percentage of your daily or weekly deposits is applied to the outstanding balance
- Revolving access: As you repay, your available balance restores — you can draw again without a new application
- Line review: Bankable reviews and typically increases your line as your revenue grows
Working Capital Lines vs. Business Credit Cards for Parolees
Many parole-status business owners rely on business credit cards when they lack access to formal credit lines. This is understandable but expensive. Business credit card APRs run 20–28% annually. Bankable's working capital line, structured as a revenue-based facility, typically offers better economics for amounts above $10,000 — and much higher limits than most cards will offer to business owners without multi-year US credit histories.
Common Uses of a Working Capital Line
- Inventory purchases: Buy stock when prices are favorable or when a bulk order discount is available
- Payroll smoothing: Never miss a payroll cycle because of a slow week
- Marketing campaigns: Run campaigns when opportunities arise, not just when cash is flush
- Emergency coverage: Handle unexpected expenses without disrupting operations
- Supplier deposits: Meet advance payment requirements from suppliers offering better terms to fast payers
- Tax installments: Cover quarterly estimated taxes without liquidating inventory
Check your Bankability Score to see your working capital line limit. Also learn more about why SBA lines of credit are not available to parolees.
Frequently Asked Questions
Yes. Bankable provides revolving working capital lines to parole-status business owners based on revenue. U4U, CHNV, and Afghan parolees all qualify with an active EAD.
Lines range from $25,000 to $500,000 based on your monthly revenue volume. Most owners with $20,000+ per month in deposits qualify for $50,000 or more.
A percentage of your daily or weekly business deposits is applied to the outstanding balance. As you repay, your available credit restores automatically — no new application required.
Yes. Many clients maintain a working capital line alongside equipment financing or other products. Your total outstanding balance across all products is considered in your limit.
Once your line is established, draws are typically processed within 24–48 hours of request.
Your working capital line is tied to your business revenue, not your immigration calendar. Renewals or status changes don't affect your existing line.
Bankable does not charge a standing facility fee for unused capacity. You only pay when you draw.
Yes. As your revenue grows and your repayment history with Bankable strengthens, your line limit is typically reviewed and increased.