Key Takeaways
- Cash flow gaps are the #1 reason AOS-owned businesses stall — Bankable's 48-hour bridge funding solves this
- Bankable funds cash flow bridges for AOS EAD holders based on your business's trailing revenue — not your immigration timeline
- SBA working capital loans for cash flow are closed to all AOS applicants since March 2026
- Revenue-based repayment means your Bankable bridge payments adjust to your actual daily cash flow
- Up to $5M available for AOS businesses with consistent revenue needing immediate working capital
The AOS waiting period does not pause your business needs. Whether you need cash flow bridge 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 Cash Flow Bridge Requests for AOS Holders
Our underwriting process for cash flow bridge 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 cash flow bridge 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.