Key Takeaways
- AOS EAD holders can legally hire US employees — employers only need to verify their own work authorization, not match their employees' status
- Payroll expenses for new hires create a working capital gap that Bankable's revenue-based funding fills
- SBA working capital loans are unavailable to AOS business owners since March 1, 2026 — Bankable is the private alternative
- Bankable evaluates payroll expansion funding based on your existing business revenue — not your immigration status
- 48-hour decisions mean you can fund payroll before your new hire's first day
Growth in a business almost always arrives faster than the cash flow to support it. For AOS business owners, hiring your first employees is one of the most capital-intensive milestones — not because of immigration concerns, but because of pure cash flow mechanics: you pay employees before the revenue their work generates actually arrives. This working capital gap is what Bankable's funding addresses. An AOS-owned IT staffing agency that just won a $200K contract needs capital to hire the developers and start the project before receiving the first invoice payment. Bankable fills that gap in 48 hours.
What AOS Holders Need to Know About Hiring
As an AOS holder with an EAD, you are a fully authorized US employer. You are required to complete I-9 verification for every employee you hire — the same as any other employer. Your employees' immigration status is a separate matter; you can hire US citizens, permanent residents, and other work-authorized non-citizens. Your own AOS status does not restrict who you can hire or how many employees you can have.
Working Capital for First Hires
Bankable's funding for new hires typically covers:
- Payroll for 60–180 days: Bridge the gap between hiring and full revenue realization from the new capacity.
- Recruitment and onboarding costs: Job posting fees, background checks, training materials, and equipment for new employees.
- Benefits setup: Health insurance deposits, workers' compensation premium advances, and 401(k) setup costs.
- Workspace expansion: Leasehold improvements or additional office equipment needed to accommodate new staff.
Check your Bankability Score to see your payroll funding options. Our SBA 7(a) guide explains why March 2026 made Bankable the essential alternative for AOS working capital needs.
Frequently Asked Questions
Yes. As an AOS holder with an EAD, you are fully authorized to own a business and hire employees. You must complete standard I-9 verification for all hires, the same as any employer.
Yes. Bankable provides working capital for AOS business owners covering payroll, recruitment costs, and employee onboarding expenses. We evaluate your existing business revenue — not your immigration status.
Up to $5M based on your existing business revenue. For payroll expansion, typical funding ranges from $25K to $500K depending on the number of new hires and your existing revenue base.
Hiring employees as an AOS business owner does not affect your I-485 adjudication. USCIS evaluates I-485 based on eligibility criteria, not business activity. Consult your immigration attorney with specific concerns.
Bankable looks for at least $25K in average monthly revenue. Businesses with consistent revenue can typically borrow enough to cover 2–4 months of projected payroll for new hires.
Decisions within 48 hours of complete documentation. If you need to fund payroll before a new hire's first day, Bankable's speed ensures you can.
Yes. AOS holders can operate businesses and hire employees in any US state. Your I-485 is tied to your address for USCIS purposes, not to your business operations geography.
Revenue-based repayment means your Bankable payments flex with your revenue. If your revenue grows more slowly than expected, your payment amounts adjust accordingly, reducing the stress of fixed payment obligations.