Key Takeaways
- Marketing capital available without green card for R-1 visa holders
- Fund digital ads, SEO, social media, and brand campaigns
- Revenue-based repayment — pay back as your marketing generates revenue
- 48-hour decisions; marketing campaigns can launch this week
- SBA loans now require citizenship — Bankable is the alternative
- Up to $5M for comprehensive marketing and growth initiatives
For R-1 visa holders running faith-community businesses, marketing is often the difference between a locally known business and a community institution. But since the March 2026 SBA rule change, traditional marketing loan programs have been closed to non-citizens. Bankable provides revenue-based marketing capital up to $5M for R-1 visa holders — no green card required, 48-hour decisions.
Why Faith-Community Businesses Need Marketing Capital
Businesses serving faith communities often operate in competitive urban markets where word-of-mouth alone is no longer sufficient. Korean-American restaurants in Los Angeles compete with hundreds of similar establishments. Halal meat markets compete with large supermarket chains adding halal sections. Orthodox Jewish caterers compete with secular catering companies entering the kosher market. Marketing capital lets faith-community businesses defend and expand their market position.
Marketing Uses Bankable Funds
- Paid digital advertising — Google Ads, Facebook/Instagram campaigns targeting specific faith communities by geography and interest ($2,000–$50,000/month)
- Search engine optimization (SEO) — ranking for ethnic and faith-specific search terms like "halal restaurant near me" or "Korean grocery store" ($1,500–$10,000/month)
- Social media content and management — building Instagram, YouTube, and TikTok presences for faith-community audiences ($2,000–$8,000/month)
- Community event sponsorships — sponsoring religious festivals, cultural events, and community gatherings ($5,000–$100,000 per event)
- Brand identity and design — logo, signage, packaging, and visual identity systems ($5,000–$50,000)
- Printed materials and direct mail — targeted direct mail campaigns to faith-community households ($3,000–$30,000 per campaign)
- Website development and e-commerce — building online ordering systems, community portals, and informational sites ($5,000–$100,000)
Revenue-Based Repayment for Marketing Spend
Marketing capital is unique in one important way: the return on investment can take 3–6 months to materialize. Unlike equipment financing where you immediately have an asset, marketing spend generates gradual revenue increases. Bankable's revenue-based repayment structure accommodates this reality — you repay a percentage of your daily revenue, meaning payments are naturally lower during the early weeks of a campaign and higher as the marketing generates results.
How Much Marketing Capital Can You Access?
| Monthly Revenue | Typical Marketing Budget Available |
|---|---|
| $15,000–$30,000 | $15,000–$75,000 |
| $30,000–$75,000 | $60,000–$250,000 |
| $75,000–$200,000 | $200,000–$800,000 |
| $200,000+ | Up to $5,000,000 |
Check your Bankability Score to see your personalized marketing budget funding range. The assessment takes 5 minutes and doesn't affect your credit score. Or call (786) 443-5511 to speak with a funding advisor about your marketing capital needs.
Frequently Asked Questions
Yes. Bankable provides marketing capital to R-1 visa holders with no green card or citizenship requirement. We evaluate your business revenue, not your immigration status, to determine funding amounts up to $5M.
All legitimate business marketing: digital advertising, SEO, social media campaigns, event sponsorships, brand development, website building, direct mail, and more. There are no restrictions on how you deploy marketing capital within your business.
You receive the full approved amount upfront. Then, a fixed percentage of your daily business revenue is collected as repayment — typically 5–15% of daily deposits. As your marketing generates more revenue, repayment amounts naturally increase, accelerating payoff.
Preliminary decisions in 48 hours. Funds in 3–5 business days. This means you can launch a marketing campaign this week if your business qualifies today.
Yes. Traditional SBA business loans — which R-1 holders previously used for marketing budgets — now require 100% US citizenship. Bankable's non-SBA revenue-based funding has no citizenship requirement.
Bankable's minimum funding is approximately $10,000 per advance. Marketing budgets of $10,000 and above are practical use cases. Smaller amounts are typically better handled through business credit cards.
Yes. Bankable provides capital, not marketing strategy. You decide how to deploy the marketing budget — whether through an agency, in-house, or through direct channel spending. We do not require a marketing plan as part of the application.
Yes. Faith-affiliated for-profit businesses — halal restaurants, kosher delis, church-run childcare centers, Buddhist retreat businesses — all qualify for marketing funding based on their documented revenue.