Key Takeaways
- SBA 7(a) was the primary working capital source for non-citizen business owners—now blocked
- Working capital needs: payroll, inventory, rent, receivables bridge—all fundable through Bankable
- Revenue-based repayment means working capital payments flex with your actual monthly revenue
- Bankable provides $25K-$5M in working capital with 48-hour decisions for qualified non-citizens
- $150K+ annual revenue and 12 months of operating history are the primary working capital qualifications
Working capital is the fuel that keeps your business running day-to-day. Payroll must be made every two weeks. Inventory must be purchased before it can be sold. Rent is due on the first. The gap between receivables and payables is a perpetual cash flow management challenge—and the March 2026 SBA rule just eliminated the primary tool that non-citizen business owners used to manage it.
Bankable's revenue-based working capital replaces SBA-backed working capital lines. Our model aligns perfectly with working capital needs: we advance capital based on your revenue, and repayment comes from the same revenue stream that the working capital is intended to support.
SBA vs. Alternatives: 2026
| 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 |
| Bankable | No requirement | $5M | 48 hours | Fully open, 92% approval |
Working Capital Uses Funded by Bankable
- Payroll bridge: Fund payroll when client payments are delayed
- Inventory financing: Purchase inventory before the selling season
- Rent and fixed overhead: Cover overhead during slow revenue periods
- Accounts receivable bridge: Bridge the 30-90 day gap between invoice and payment
- Marketing and growth spend: Fund customer acquisition before revenue catches up
- Emergency repairs: Equipment failures and facility issues that require immediate capital
Revenue-Based Working Capital vs. SBA Working Capital
| Feature | SBA 7(a) Working Capital (Blocked) | Bankable Revenue-Based |
|---|---|---|
| Citizenship | 100% required | Not required |
| Decision time | 30-90 days | 48 hours |
| Maximum | $5M | $5M |
| Repayment | Fixed monthly | % of monthly revenue |
| Collateral | Personal guarantee + assets | Revenue-based, no hard collateral |
Apply for working capital in 5 minutes here.
Your business needs working capital now. Bankable delivers in 48 hours with no citizenship checks. Apply here.
Frequently Asked Questions
Bankable's revenue-based tranche funding (up to $5M, 48 hours), CDFI loans ($10K-$250K, 2-4 weeks), fintech revolving credit lines ($25K-$500K), and invoice factoring are the primary alternatives.
Repayment is structured as a fixed percentage of monthly revenue. If revenue is $50K in a month and the repayment rate is 8%, you repay $4,000 that month. Slower months result in lower payments.
Bankable provides tranche-based funding. Contact us about revolving credit line options.
A working capital loan advances a fixed amount that you repay over a defined term. A line of credit allows you to draw as needed up to a limit. Bankable's tranche funding is closer to a loan structure; fintech lenders like Kabbage offer lines of credit.
Yes. Invoice factoring (selling your receivables at a discount) is available to non-citizens because it is based on the creditworthiness of your customers, not your immigration status.
A business with $500K annual revenue can typically access $80K-$150K in working capital through Bankable's tranche program.
Yes. Payroll is one of the primary uses of Bankable's working capital funding.
Higher revenue, longer operating history, consistent cash flow, and revenue growth trends all increase your funding capacity.
Interest and fees on business loans, including revenue-based funding, may be tax-deductible as business expenses. Consult your tax advisor for your specific situation.
48 hours is Bankable's typical decision timeline. For emergency capital needs, contact us at (786) 443-5511—we can sometimes accelerate the process.