Key Takeaways
- AOS EAD holders can legally acquire any US business — there is no immigration restriction on business acquisition
- Bankable evaluates business acquisition funding based on the target business's revenue — not the buyer's immigration status
- SBA 7(a) business acquisition loans are closed to AOS applicants since March 2026 — Bankable provides the private alternative
- The target business's existing revenue and cash flow are Bankable's primary underwriting criteria for AOS acquisitions
- Up to $5M for AOS-funded business acquisitions — from small retail shops to mid-size service companies
The AOS waiting period does not pause your business needs. Whether you need buying existing business to grow your existing business, launch a new venture, or bridge a gap, Bankable provides the capital without the green card requirement. The March 2026 SBA rule change removed government-backed lending from every AOS applicant's toolkit. Bankable's revenue-based funding fills that gap with speed — decisions in 48 hours based entirely on what your business generates.
How Bankable Evaluates Buying Existing Business Requests for AOS Holders
Our underwriting process for buying existing business is straightforward: we review your business's trailing revenue, assess your monthly cash flow consistency, and determine a funding amount that your business can service comfortably. Your AOS status, priority date, and I-485 filing date are not factors. An AOS holder with a 10-year-old pending case and strong revenue qualifies just as well as one whose case is six months old.
Products Available
Revenue-Based Funding
Draw $25K–$5M against your business revenue. Repay as a percentage of daily receipts. No fixed payment pressure.
Apply Now →Business Line of Credit
Revolving credit line for ongoing needs. Draw and repay as needed up to your approved limit.
Apply Now →Equipment Financing
Asset-backed financing using equipment as collateral — often easier approval for AOS holders.
Apply Now →Start by checking your Bankability Score. Our SBA 7(a) guide explains the March 2026 AOS restriction and why Bankable is the essential private alternative.
Frequently Asked Questions
Yes. AOS holders with valid Employment Authorization Documents can access buying existing business funding from Bankable. We evaluate your business on revenue — not immigration status.
Up to $5M based on your monthly business revenue. The actual amount depends on your revenue over the past 3–6 months.
No. The SBA's March 1, 2026 rule excluded all AOS applicants from SBA programs. Bankable is a private revenue-based lender not subject to this restriction.
Bankable makes decisions within 48 hours of complete documentation. Funding is disbursed within 3–5 business days after approval.
3–6 months of business bank statements, your current EAD card, a valid government-issued ID, and basic business formation documents. No USCIS case documents required.
No. Repayment terms are based on your business's revenue performance, not your immigration status. Revenue-based repayment means payments flex with your actual daily receipts.
Becoming a permanent resident does not affect your Bankable loan terms. Your funding continues under the same terms — immigration status transitions do not trigger early repayment or term changes.
Yes. Bankable funds AOS-owned businesses structured as LLCs, C-Corps, partnerships, and sole proprietorships. S-Corps are not eligible (AOS holders cannot be S-Corp shareholders), but all other structures are accepted.