Key Takeaways
- A revolving business line of credit is the most flexible working capital tool for AOS businesses — draw only what you need
- Bankable provides revolving credit lines to AOS EAD holders with no green card requirement — based on business revenue
- SBA Express revolving lines are now closed to AOS applicants since March 2026 — Bankable is the primary alternative
- Draw and repay as your business needs change — seasonal demand, payroll gaps, growth investments, or emergencies
- Up to $5M revolving credit for AOS businesses with qualifying monthly revenue — rebuild availability as you repay
A business line of credit is the most flexible capital tool in any business owner's arsenal — and AOS EAD holders can access it through Bankable without a green card. Unlike a term loan where you borrow a fixed amount and repay on a fixed schedule, a revolving line of credit allows you to draw capital as needed, repay as revenue arrives, and redraw for the next need — all within your approved credit limit. For AOS businesses that face variable capital needs — seasonal inventory, payroll gaps, growth investments, and unexpected expenses — a revolving line is the ideal instrument.
How a Bankable Line of Credit Works for AOS Holders
After approval, Bankable establishes your credit limit based on your business's monthly revenue. The standard range is 1–3x your average monthly revenue. You draw from the line whenever a need arises:
- Pay your payroll when a client payment is delayed
- Buy inventory before a seasonal surge
- Fund a marketing campaign when an opportunity emerges
- Cover an unexpected equipment repair
As you make repayments, your available credit replenishes. You are only charged on amounts drawn — not on the full line. This makes it far more economical than a fixed-amount advance for businesses with variable capital needs.
Why a Line of Credit Is Better Than Repeated Short-Term Loans
Many AOS business owners cycle through repeated short-term advance applications — each time incurring fees, spending time on applications, and waiting for decisions. A revolving line of credit eliminates this cycle: one approval, one credit limit, unlimited draws up to that limit for as long as you maintain the line in good standing. For AOS business owners, this stability is particularly valuable given the uncertainty of the green card timeline — your credit line is there when you need it, regardless of what happens with your I-485.
Ready for permanent capital access? Check your Bankability Score. Our SBA 7(a) guide explains the March 2026 rule that closed SBA Express revolving lines to AOS applicants.
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.