Key Takeaways
- Bankable funds AOS businesses up to $5M — the same maximum as the now-unavailable SBA 7(a) program
- Your actual funding amount is determined by your monthly revenue — typically 2–5x average monthly revenue
- A business generating $100K/month can typically qualify for $200K–$500K from Bankable
- High-revenue AOS businesses (medical practices, IT staffing, consulting firms) can qualify for $1M–$5M
- The green card wait length has no impact on maximum amount — only revenue determines your funding ceiling
The maximum business loan available to an AOS EAD holder from Bankable is $5,000,000. This is the same maximum as the SBA 7(a) program that is now unavailable to AOS applicants. The actual amount you qualify for within this range is determined entirely by your business's average monthly revenue — not by your visa category, priority date, or years in AOS status.
How Bankable Calculates Your Maximum Amount
Bankable's funding sizing formula is based on your trailing 3–6 months of average monthly revenue. The standard range is 2x to 5x your average monthly revenue, depending on your industry, revenue consistency, and time in business. Here are representative examples:
| Monthly Revenue | Typical Qualifying Range | Business Type Examples |
|---|---|---|
| $25K–$50K | $50K–$200K | Small restaurant, retail store, solo consulting |
| $50K–$100K | $100K–$400K | Multi-employee service business, mid-size restaurant |
| $100K–$250K | $200K–$1M | IT staffing, medical practice, multi-location retail |
| $250K–$500K | $500K–$2M | Large consulting firm, healthcare agency, multi-location franchise |
| $500K+ | $1M–$5M | Large IT staffing, multi-location healthcare, high-revenue wholesale |
Can AOS Holders Really Access $5M?
Yes — for businesses that generate sufficient revenue. Bankable has funded AOS-owned IT staffing agencies, healthcare practices, and professional services firms at $1M–$5M. The key is revenue scale: a business generating $500K/month is a very different funding candidate than one generating $50K/month. Check your Bankability Score to see your specific range. Our SBA 7(a) guide explains why SBA's $5M maximum is now inaccessible to 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. 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. Your funding continues unchanged.