Key Takeaways
- Cash flow bridge funding available without green card for R-1 visa holders
- Cover payroll, rent, supplier invoices, and operating expenses
- 48-hour decisions — capital before the payroll deadline
- Revenue-based repayment: pay more when revenue is up, less when it's down
- SBA working capital loans now require citizenship — Bankable fills the gap
- Up to $5M based on your business revenue
Every business experiences cash flow gaps — the period between when money goes out and when revenue comes in. For R-1 visa holders, these gaps are especially dangerous since the March 2026 SBA rule change eliminated their access to traditional working capital loans. Bankable provides cash flow bridge funding up to $5M for R-1-connected businesses with no green card requirement and 48-hour decisions.
What Causes Cash Flow Gaps in Faith-Community Businesses
Cash flow gaps in faith-community businesses often follow predictable patterns that differ from mainstream business cycles:
- Religious calendar seasonality — businesses serving specific faiths see dramatically lower revenue during off-peak religious periods (e.g., a Ramadan-focused caterer during non-Ramadan months)
- Invoice payment delays — wholesale distributors and service businesses often invoice NET-30 or NET-60, creating 30–60 day gaps between service delivery and payment
- Payroll timing mismatches — payroll runs bi-weekly regardless of when customer payments arrive
- Rent due before revenue arrives — lease payments are due on the 1st; restaurant revenue peaks on weekends
- Supplier deposit requirements — wholesale suppliers often require upfront payment before shipping, before the product can be sold
- Slow winter months — many retail and restaurant businesses see 40–60% revenue drops in January and February
What a Cash Flow Bridge Covers
- Payroll for employees and contractors
- Monthly rent and lease obligations
- Supplier invoices and COD purchases
- Utility bills and operating overhead
- Insurance premium payments
- Equipment lease payments
- Tax installment payments
How Bankable's Bridge Funding Works
Bankable advances capital based on your business's monthly revenue — typically 50–150% of your average monthly deposits. You receive the full amount upfront. Repayment begins immediately as a percentage of your daily revenue — typically 5–15% of daily deposits. As your revenue recovers from the slow period, repayment accelerates. You're never locked into a fixed monthly payment that ignores what's actually happening in your business.
| Gap Scenario | Typical Bridge Amount |
|---|---|
| Payroll coverage (2–4 weeks) | $15,000–$80,000 |
| Rent + operating costs (1–2 months) | $20,000–$150,000 |
| Slow season working capital (2–3 months) | $50,000–$500,000 |
| Large supplier invoice bridge | $100,000–$2,000,000 |
Apply online at bankablefunds.com or call (786) 443-5511 today. A preliminary decision arrives in 48 hours — fast enough to make payroll, pay the rent, and keep the business running while revenue catches up.
Frequently Asked Questions
Yes. Bankable provides cash flow bridge funding to R-1 visa holders with no green card or citizenship requirement. We evaluate your business's monthly revenue and bank statement history to determine bridge funding amounts up to $5M.
Preliminary decisions in 48 hours. Funds typically arrive 3–5 business days after approval. This is fast enough to cover most payroll runs, rent deadlines, and supplier invoices.
You repay a fixed percentage of your daily business revenue — typically 5–15% of daily deposits. During slow periods, daily repayment amounts are lower. As revenue recovers, repayments naturally increase. There is no fixed monthly payment that ignores your business performance.
Up to $5M based on your business revenue. Most businesses receive bridge amounts equal to 50–150% of their average monthly revenue. Higher-revenue businesses qualify for proportionally larger bridges.
Yes. SBA working capital loans and SBA Express lines of credit — previously accessible to R-1 holders — now require 100% US citizenship. Bankable's non-SBA funding fills this gap.
Yes. Covering payroll is one of the most common uses of Bankable bridge funding. Payroll must be met on time regardless of cash flow fluctuations — Bankable ensures you can meet your payroll obligations.
Six months of business bank statements, business formation documents, and a valid government-issued ID (passport accepted). The application takes 5 minutes and preliminary decisions arrive in 48 hours.
Yes. Many Bankable clients use revolving bridge funding — as one advance is repaid, they access another to cover the next gap cycle. This creates a continuous working capital facility for businesses with predictable seasonal patterns.