Key Takeaways
- NO — Bankable does not require a green card, permanent residency, or citizenship
- A valid Employment Authorization Document (EAD) is Bankable's immigration status requirement — nothing more
- Bankable evaluates AOS businesses on monthly revenue — no immigration status factor appears in our credit model
- All EAD categories (C09, C35, C36, and others) are accepted — the specific category does not affect eligibility
- Bankable has funded AOS holders with pending I-485 cases ranging from 6 months to 15 years old
No. Bankable does not require a green card for AOS holders. This is the most frequently asked question we receive from AOS entrepreneurs — and the answer has always been the same. Bankable is a private revenue-based lender. We built our underwriting model around one question: what does your business generate in monthly revenue? Permanent residency, citizenship, and green card status do not appear in our credit analysis.
What Bankable Does Require
While we do not require a green card, we do require evidence that you are legally authorized to work in the United States. An active Employment Authorization Document satisfies that requirement for all AOS holders, regardless of your I-485 filing date, priority date, or visa category. Beyond your EAD, we need:
- 3–6 months of business bank statements showing consistent revenue
- Basic business formation documents (LLC operating agreement, articles of incorporation)
- A valid government-issued photo ID
- At least $25K in average monthly business revenue
Why Bankable Doesn't Need a Green Card
The green card requirement that other lenders impose exists because they want assurance of long-term US presence and the ability to pursue collections through US legal channels. Bankable's revenue-based model addresses these concerns differently: repayment comes directly from your business's daily revenue — it is not a fixed monthly obligation that requires long-term presence prediction. The business's performance is both the credit basis and the repayment mechanism. Your immigration status is irrelevant to this structure.
Check your Bankability Score today. Our SBA 7(a) guide explains why the SBA does require permanent residency and why Bankable is the essential alternative for AOS holders.
Frequently Asked Questions
Yes. Bankable does not differentiate between EB-1, EB-2, EB-3, family-sponsored, diversity visa, or humanitarian AOS categories. If you have a valid EAD and qualifying business revenue, you are eligible.
At least $25K in average monthly business revenue over 3–6 months of bank statements.
5 minutes to submit your application. Decisions within 48 hours. Funding within 3–5 business days of approval.
No. Your priority date, visa category backlog, or years in AOS status have no bearing on Bankable's funding decision.
Contact Bankable directly. An expired EAD with a pending renewal and an I-797 receipt notice may be acceptable. We evaluate each situation individually.
No. Bankable is a private commercial lender. We do not share customer information with USCIS or any immigration authority.
LLCs, C-Corps, partnerships, and sole proprietorships are all accepted. S-Corps are not eligible as AOS holders cannot be S-Corp shareholders under federal tax law.
Bankable evaluates applications from US-based business owners. If you are in the US with work authorization via EAD, you can apply regardless of your specific AOS pathway.