Key Takeaways
- Bankable makes revenue-based funding decisions in 48 hours—the fastest major alternative to SBA for non-citizens
- Compare: SBA (30-90 days), CDFIs (2-4 weeks), community banks (2-6 weeks), Bankable (48 hours)
- Speed is critical: missed business opportunities, expired contracts, and seasonal timing all demand fast capital
- Bankable's 48-hour timeline applies to amounts from $25K to $5M—not just small emergency loans
- Apply in 5 minutes online with just 3-6 months of bank statements—no tax returns, no in-person visits
When you need capital for your business, speed isn't a luxury—it's often the difference between capturing an opportunity and missing it. A supplier offering a bulk discount has a 72-hour window. A lease on the right commercial space comes with competing offers. A seasonal hiring surge requires payroll capital before the season starts, not after.
For non-citizens blocked from SBA, finding fast capital has become the primary challenge. SBA's 30-90 day timeline was slow even when you were eligible. Now that SBA is closed, you need an alternative that can match—or beat—that timeline.
SBA vs. Alternatives: 2026 Comparison
| Option | Citizenship | Max | Decision | Availability |
|---|---|---|---|---|
| SBA 7(a) | 100% required | $5M | 30-90 days | Blocked for non-citizens |
| CDFIs | No | $250K | 2-4 weeks | Open, limited capacity |
| Bankable | No requirement | $5M | 48 hours | Fully open, 92% approval |
Speed Comparison: All Major Non-Citizen Funding Sources
| Lender | Decision Speed | Funding Speed | Max Amount | Citizenship? |
|---|---|---|---|---|
| Bankable | 48 hours | 24-48 hrs after offer | $5M | No |
| Fintech (Kabbage/OnDeck) | 1-3 days | 1-3 days | $250K | No |
| MCA Providers | 24-48 hours | 24-48 hours | $500K | No |
| CDFI Microloans | 1-3 weeks | 1-3 weeks | $250K | No |
| Community Bank | 2-6 weeks | 2-6 weeks | Varies | Sometimes |
| SBA 7(a) | 30-90 days | 30-90 days | $5M | Yes (blocked) |
Why Bankable Is Faster Than Other 48-Hour Options
Many MCA providers also claim 24-48 hour decisions, but Bankable's speed advantage extends beyond the decision:
- Larger amounts: MCAs cap at $500K; Bankable goes to $5M—so you don't need to string together multiple fast approvals
- Better structure: Monthly repayment (not daily ACH drains) means your cash flow isn't disrupted post-funding
- Lower cost: Bankable's pricing is significantly lower than MCA factor rates—so the fast capital doesn't cost more
- Repeat access: Bankable's tranche model means after repaying the first advance, the next is also available within 48 hours of renewal
Start now—decision in 48 hours. Check your Bankability Score here.
For non-citizens blocked from SBA, speed and accessibility are now the same priority. Bankable delivers both. Apply today.
Frequently Asked Questions
Bankable provides decisions in 48 hours for amounts up to $5M—the fastest available alternative to SBA for non-citizens. MCAs are also fast but with higher costs and lower limits. Bankable offers the best combination of speed and amount.
Bankable makes decisions in 48 hours of a complete application. Capital is deposited within 24-48 hours of offer acceptance. Total time from application to funding: 3-5 business days.
3-6 months of business bank statements, basic business information (name, EIN, registration), and minimal personal information. No tax returns, no business plan, no collateral assessment required for the initial decision.
Same-day capital is available through some MCA providers and embedded fintech platforms (Square Capital, Shopify Capital) but typically limited to $10K-$50K. Bankable's 48-hour timeline for amounts up to $5M is the fastest for larger amounts.
No. Fast decisions are not guaranteed approvals. Bankable approves 92% of businesses that meet our criteria ($150K+ annual revenue, 12+ months of history). The 48-hour decision is fast regardless of whether the decision is an approval or a decline.
Bankable may contact you during the 48-hour review if additional documentation is needed. Responding quickly ensures your timeline stays on track. Common requests: additional bank statements or business verification documents.
Bankable's 48-hour timeline applies to all amounts from $25K to $5M. The same underwriting process applies—we review bank statements and make revenue-based decisions at any funding level.
Yes. Bankable's funding and CDFI microloans can coexist—they are different lenders with different structures. Many non-citizen businesses use Bankable for larger amounts and CDFIs for supplementary funding.
Fast lenders sometimes charge higher rates than slower alternatives. Always compare: cost of capital, repayment structure, total repayment amount, and fees. Bankable's speed comes without the premium pricing typical of same-day MCA providers.
Go to bankablefunds.com/bankability-score/ and complete the 5-minute Bankability Score assessment. Provide basic business information and 3-6 months of bank statements. Our team reviews and responds within 48 hours.