Key Takeaways
- Equipment financing is often the EASIEST approval path for AOS holders — equipment as collateral reduces lender risk
- Bankable provides equipment financing to AOS EAD holders across all industries — no green card required
- SBA 504 equipment loans are closed to AOS applicants since March 2026 — Bankable fills this gap
- Equipment financing for AOS holders: restaurant equipment, medical devices, vehicles, construction machinery, IT hardware
- Equipment loans can be funded within 48–72 hours of application — faster than any SBA equipment option was
Equipment financing is one of the most AOS-accessible forms of business capital — and for good reason. When equipment serves as collateral, lenders have a tangible asset securing the loan that exists independent of the borrower's immigration status. A restaurant oven, a medical imaging machine, a semi-truck, or a CNC machine all have recoverable value if the business fails. This collateral security allows lenders to approve AOS holders for equipment financing even when they would decline the same borrower for unsecured working capital. Bankable takes this approach even further: we evaluate your business's revenue as the primary criterion, with the equipment providing additional security.
Equipment Bankable Finances for AOS Holders
- Restaurant and food service: Commercial ovens, walk-in coolers, POS systems, exhaust systems, prep equipment
- Medical and dental: X-ray machines, dental chairs, EHR systems, diagnostic equipment, surgical tools
- Construction and contracting: Excavators, lifts, concrete mixers, scaffolding systems, power tools
- Transportation: Semi-trucks, cargo vans, refrigerated vehicles, trailers
- Technology: Servers, workstations, networking equipment, specialized hardware
- Manufacturing: CNC machines, 3D printers, assembly line equipment, presses
- Retail: POS systems, display cases, inventory management systems, security equipment
How AOS Equipment Financing Works with Bankable
The process is straightforward: you identify the equipment you need, provide Bankable with the equipment quote or invoice, and submit your business bank statements and EAD. We evaluate your business's revenue capacity to service the equipment payment and approve the financing. The equipment is the collateral — no additional collateral, personal guarantee from a permanent resident, or green card required.
Equipment ready to buy? Check your Bankability Score to start your application. Our SBA 7(a) guide covers why SBA 504 equipment loans are no longer available to AOS holders after March 2026.
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.