Key Takeaways
- Emergency capital in 48 hours for R-1 visa holders — no green card required
- Covers equipment failure, sudden revenue loss, urgent supplier payments
- Up to $5M based on your business revenue, not your citizenship
- Revenue-based repayment adjusts to your post-emergency cash flow
- SBA emergency loans now require citizenship — Bankable is the alternative
- Same-week funding for qualifying businesses
Business emergencies don't align with visa status or citizenship paperwork. When a commercial refrigeration unit fails at a restaurant, when a key vehicle breaks down at a transportation company, when a major client cancels unexpectedly — the need for capital is immediate. Bankable provides emergency business capital up to $5M for R-1 visa holders with 48-hour decisions and no green card requirement.
Common Emergency Scenarios for R-1 Business Owners
- Critical equipment failure — commercial kitchen equipment, HVAC systems, delivery vehicles, medical devices, POS systems failing unexpectedly
- Sudden revenue loss — a major account cancellation, a construction project delay, a venue closure due to code violations
- Lease emergency — landlord threatening eviction, back rent accumulated during a slow period, surprise rent increase demands
- Supplier crisis — a key supplier demanding immediate payment to continue delivery of essential inventory or materials
- Payroll emergency — payroll funding gap due to a payment processor hold or bank account issue
- Legal or regulatory emergency — a fine, a license suspension requiring immediate action, or a compliance cost that must be addressed immediately
- Natural disaster response — flood, fire, or storm damage requiring immediate business continuity capital
Why Speed Matters for Emergency Capital
Traditional bank emergency loans take 2–4 weeks. SBA disaster loans — now closed to R-1 holders — historically took 3–6 months. Bankable's revenue-based emergency advances deliver preliminary decisions in 48 hours and funds within 3–5 business days. For most business emergencies, this timeline is the difference between staying open and closing permanently.
Emergency Capital vs. Waiting for a Bank
| Scenario | Bank Emergency Loan | Bankable Emergency Capital |
|---|---|---|
| Decision time | 2–4 weeks | 48 hours |
| Funding time | 4–6 weeks | 3–5 business days |
| R-1 holder eligible? | Rarely (often requires citizenship) | Yes |
| Collateral required? | Often yes | Revenue-based, no collateral |
| Maximum amount | Varies | Up to $5M |
What to Do When an Emergency Hits
- Call (786) 443-5511 immediately — Bankable has advisors available to discuss urgent funding needs
- Start the online application at bankablefunds.com — the form takes 5 minutes and triggers the 48-hour decision clock
- Gather 6 months of bank statements — the most important document in your application
- Document the emergency — photos of failed equipment, cancellation notices, or other documentation help expedite the process
- Continue operating — if possible, keep the business running at reduced capacity while awaiting funding
Bankable understands that emergencies can't wait. Start your application now and receive a preliminary decision within 48 hours — or call (786) 443-5511 for expedited assistance.
Frequently Asked Questions
Bankable provides preliminary decisions in 48 hours and funds within 3–5 business days. For critical emergencies, call (786) 443-5511 to discuss expedited options.
Any urgent business capital need — equipment failure, sudden revenue loss, supplier payment demands, payroll gaps, lease emergencies, or disaster recovery. Bankable does not restrict emergency capital to specific scenarios.
No. Since March 2026, SBA emergency loan programs (including SBA disaster loans) require 100% US citizenship. R-1 holders are categorically excluded. Bankable's non-SBA emergency capital has no citizenship requirement.
Up to $5M based on your business's monthly revenue. Most emergency funding requests are fulfilled within hours of the 48-hour decision — the limiting factor is your revenue documentation, not the emergency's urgency.
No. Bankable uses revenue-based underwriting. Strong revenue performance is more important than credit score. Many businesses with credit challenges qualify for emergency capital based on their bank statement history.
Six months of business bank statements, business formation documents, and a valid government-issued ID (passport accepted). In genuine emergencies, Bankable's team will work with whatever documentation is immediately available.
Yes. As one advance is repaid, additional advances are available. Many Bankable clients use emergency capital once and then establish an ongoing funding relationship for future needs.
Revenue-based repayment means your daily repayment amount reflects your actual revenue. During recovery, when revenue is lower, daily repayment amounts are lower. As you rebuild, repayment scales up naturally.