Key Takeaways
- Bankable provides emergency capital decisions within 48 hours for AOS EAD business owners — the fastest private business funding available
- Emergency capital for AOS holders: equipment failure, payroll gaps, lease emergencies, supplier disruptions all qualify
- SBA emergency programs are unavailable to AOS applicants since March 2026 — Bankable is the private emergency alternative
- Revenue-based emergency funding means your repayment adjusts to your business's actual recovery pace
- Up to $5M available for AOS businesses facing urgent capital needs — no green card required
The worst time to need capital is also the most common time to need it: when something goes wrong. A commercial oven fails on a Saturday night. A major client fails to pay a $200K invoice. A landlord demands a lease renegotiation deposit by Monday. For AOS business owners, these emergencies carry an extra weight: the SBA's emergency programs are closed to you, traditional bank emergency lines take weeks, and your green card timeline offers no comfort. Bankable exists for exactly this moment — emergency capital for AOS EAD holders, decided in 48 hours, funded within days.
Common Emergency Scenarios Bankable Funds
- Equipment failure: Restaurant equipment, medical devices, construction machinery, or vehicle fleets that fail and need immediate replacement to stay operational.
- Payroll gap: Unexpected revenue shortfall that threatens payroll for established employees. Bankable can fund the gap within 48 hours.
- Lease emergency: Unexpected lease renegotiation, security deposit demands, or relocation costs that require immediate capital.
- Supplier disruption: Prepayment requirements from key suppliers, import duty spikes, or raw material cost surges that disrupt your operating model.
- Tax liability: Unexpected tax bills, installment agreement deposits, or regulatory fines that require immediate resolution.
- Client non-payment: When a major client fails to pay and your cash flow collapses — Bankable bridges the gap while you collect.
Do not wait. Check your Bankability Score now. Our SBA 7(a) guide explains why emergency SBA programs are unavailable to AOS holders and what Bankable provides instead.
Frequently Asked Questions
Bankable makes decisions within 48 hours of complete documentation and disburses funds within 3–5 business days. For true emergencies, contact us directly at (786) 443-5511 to expedite your application.
Any urgent business need qualifies — equipment failure, payroll gaps, lease emergencies, supplier disruptions, unexpected tax liabilities, or client non-payment. Bankable does not require a specific emergency type — we fund based on your revenue and urgency.
No. The SBA's March 2026 rule excludes all AOS applicants from SBA programs, including emergency and disaster programs. Bankable is the primary private alternative for emergency capital.
At least $25K in average monthly revenue. For emergencies, Bankable may consider the business's recovery potential alongside historical revenue. Contact us directly for emergency situations.
Go to bankablefunds.com/bankability-score/ or call (786) 443-5511 immediately. Have 3 months of business bank statements ready. Our team will prioritize emergency applications.
Business loans and emergency capital do not affect your I-485 adjudication. USCIS evaluates immigration eligibility, not business financing activities. Consult your immigration attorney with specific concerns.
For emergency situations, Bankable may accept 3 months of statements. We work with your documentation circumstances — contact us directly for emergency cases where standard documentation timelines are impractical.
Yes. Equipment financing decisions can often be made within 48 hours with basic documentation. The equipment serves as collateral, which can streamline emergency approval.