Key Takeaways
- YES — you can get business funding while waiting for your green card, through Bankable and other private lenders
- The length of your green card wait has no bearing on Bankable's funding decision — only your business revenue matters
- AOS holders with 10+ year pending cases have been funded by Bankable — the wait doesn't reduce eligibility
- Waiting for a green card is not a barrier to business growth — Bankable ensures the capital gap doesn't stall your business
- Up to $5M for AOS businesses with qualifying revenue — regardless of how long you've been waiting
Yes. You can absolutely get business funding while waiting for your green card. This is one of the most important facts for AOS entrepreneurs to understand — because the waiting period for employment-based green cards can stretch from two years to fifteen or more, and assuming you cannot access business capital during that wait is a recipe for missed opportunity. Bankable's entire value proposition for AOS holders is built on one insight: your business's value does not wait for USCIS, and neither should your access to capital.
The Reality of the AOS Wait
EB-2 India applicants who filed in 2010 are still waiting in 2026. EB-3 Philippines applicants face waits that stretch across decades. Family-sponsored preference categories for some countries have waits of 20+ years. During all of that time, AOS holders are building real businesses, generating real revenue, and employing real people. The funding gap has never been about whether these businesses are creditworthy — it has always been about lenders using immigration status as a shortcut for creditworthiness assessment. Bankable eliminates that shortcut.
Why Your Wait Time Doesn't Matter to Bankable
Bankable's underwriting model evaluates one thing: your business's average monthly revenue over the past 3–6 months. This metric is completely independent of how long you have been in AOS status. A business generating $100K/month that is owned by someone who has been waiting 15 years for a green card generates exactly the same revenue signal as a business owned by someone who filed six months ago. Revenue is revenue. Bankable funds both.
Check your Bankability Score. Our SBA 7(a) guide explains why SBA — which was sometimes accessible during the wait — is now fully closed to AOS holders after March 2026.
Frequently Asked Questions
Yes. Bankable does not differentiate between EB-1, EB-2, EB-3, family-sponsored, diversity visa, or humanitarian AOS categories. A valid EAD and qualifying business revenue are all you need.
At least $25K in average monthly business revenue over 3–6 months of bank statements.
5 minutes to submit. Decisions within 48 hours. Funding within 3–5 business days of approval.
No. Your priority date, visa category, or years in AOS status have no bearing on Bankable's revenue-based decision.
All valid EAD categories including C09 (pending I-485), C35, C36, and others. The specific EAD category does not affect eligibility.
No. Bankable is a private commercial lender and does not share customer information with immigration authorities.
LLCs, C-Corps, partnerships, and sole proprietorships. S-Corps are not eligible for AOS holders.
Nothing changes. Becoming a permanent resident does not affect your Bankable loan terms. Your funding continues unchanged.