Key Takeaways
- A revolving line of credit is the most flexible working capital tool for AOS businesses — draw and repay as revenue cycles demand
- Bankable provides revolving credit lines to AOS EAD holders based on monthly business revenue — no green card required
- SBA business lines of credit (SBA Express) are unavailable to AOS applicants since March 2026 — Bankable provides the private alternative
- Revolving credit from Bankable builds business credit history regardless of your immigration status
- Up to $5M revolving line for AOS businesses with qualifying monthly revenue — 48-hour decisions
A revolving line of credit is the Swiss Army knife of business financing — it solves payroll gaps, inventory purchases, accounts receivable gaps, seasonal shortfalls, and emergency needs all in one instrument. For AOS business owners, having a standing line of credit eliminates the need to apply for emergency funding in a crisis — you simply draw from the line. Bankable's revolving credit lines for AOS EAD holders are sized to your monthly revenue and renewed as you demonstrate continued performance.
How a Revolving Line Works for AOS Businesses
After approval, Bankable establishes your credit limit based on your monthly revenue. You draw from the line whenever you need capital — inventory purchase, payroll bridge, marketing spend, or any business purpose. As you repay draws, your available credit replenishes. You pay interest or fees only on what you draw — not on the full line amount.
Building Business Credit as an AOS Holder
Every draw and repayment on your Bankable revolving line builds your business credit profile. This is valuable regardless of your immigration timeline: a strong business credit history is an asset when you eventually do become a permanent resident and become eligible for SBA and bank financing. Bankable helps you build that foundation now.
Check your Bankability Score to see your revolving line eligibility. Our SBA 7(a) guide covers why SBA Express lines — previously available to some AOS holders — are now closed under the March 2026 rule.
Frequently Asked Questions
Yes. AOS holders with valid EADs can access revolving business line of credit 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.