Key Takeaways
- Seasonal AOS businesses can pre-fund inventory, payroll, and marketing 60–90 days before peak season through Bankable
- Revenue-based repayment means your Bankable seasonal loan pays down naturally as peak season revenue arrives
- SBA seasonal working capital lines are unavailable to AOS applicants since March 2026 — Bankable is the private alternative
- Bankable evaluates seasonal businesses on their trailing 12-month revenue pattern — not just the last 3 months
- Up to $5M for AOS-owned seasonal businesses with consistent year-over-year revenue patterns
Seasonal businesses live or die by their ability to fund operations before revenue arrives. A Christmas tree farm in Oregon, a beach resort rental management company in Florida, a tax preparation firm in New Jersey, or a ski equipment retailer in Colorado — all AOS-owned businesses that need significant capital in the months before their peak season. The March 2026 SBA closure removed the seasonal working capital lines that many of these businesses relied on. Bankable evaluates seasonal patterns and provides pre-season capital based on your trailing annual revenue — not just the slow-season months.
How Bankable Evaluates Seasonal AOS Businesses
Bankable's underwriting for seasonal businesses looks at 12 months of bank statements rather than just the most recent 3–6. This allows us to recognize the seasonal pattern in your revenue and size the funding appropriately. A business that generates $200K in Q4 and $40K in Q1–Q3 is evaluated on its full annual revenue profile — not just its slow-season performance.
Ready for peak season? Check your Bankability Score now — before your peak season window closes. Our SBA 7(a) guide explains the March 2026 AOS restriction and why seasonal SBA lines are no longer an option.
Frequently Asked Questions
Yes. AOS holders with valid EADs can access seasonal working capital from Bankable. We evaluate your business on monthly revenue — not immigration status.
Up to $5M based on your monthly business revenue. Actual amount depends on your average monthly revenue over the past 3–6 months.
No. The SBA's March 1, 2026 rule excluded all AOS applicants from SBA programs. Bankable is a private lender not subject to this restriction.
Decisions within 48 hours; funds disbursed within 3–5 business days of approval.
3–6 months of business bank statements, current EAD card, government-issued ID, and basic business documents. No USCIS case documents required.
No. Repayment is based on your business revenue performance, not immigration status. Revenue-based repayment adjusts to your actual daily receipts.
LLCs, C-Corps, partnerships, and sole proprietorships are all accepted. S-Corps are not accepted as AOS holders cannot be S-Corp shareholders.
No. Becoming a permanent resident does not change your Bankable loan terms. Funding continues unchanged through any immigration status transition.