Key Takeaways
- Accountant is an explicitly listed TN visa occupation under USMCA
- CPA firms owned by TN holders qualify for Bankable funding
- Tax season working capital and practice acquisition financing available
- No green card required — Bankable evaluates firm revenue directly
- SBA eliminated TN eligibility March 2026 — Bankable funds accounting practices
Accountant is one of the most specifically defined TN visa occupations — the USMCA treaty explicitly lists it, requiring a baccalaureate degree and the equivalent of a US CPA, CGA, or equivalent credential. Canadian Chartered Professional Accountants (CPAs) and Mexican Contadores Públicos Certificados (CPCs) hold the equivalent credentials and qualify for TN status. These professionals frequently establish US CPA practices — tax compliance, audit, advisory, and forensic accounting services — that serve both US domestic clients and cross-border clients operating in the USMCA zone.
CPA firm revenue has two distinct patterns: tax season revenue (January-April) and year-round advisory and bookkeeping revenue. Bankable evaluates annual revenue averages and understands the natural seasonality of tax practice revenue. Working capital bridge loans for the January-April peak staffing period — when temporary staff must be hired before tax preparation fees are collected — are a classic use case for Bankable's accounting firm capital.
CPA Firm Capital Uses
- Tax season staffing: Temporary CPA and tax preparer salaries during January-April before fees are collected
- Practice acquisition: Buying client books from retiring CPAs — a growing segment as the accounting profession ages
- Technology: Tax software licenses (ProConnect, UltraTax), bookkeeping platforms, and advisory tools
- Office build-out: Professional space for client consultations, document review, and tax preparation
- Cross-border advisory expansion: USMCA transfer pricing, international tax, and cross-border business advisory capabilities
Tax Season Capital
Fund temporary staff and operational costs during the January-April peak season.
Apply Now →Working Capital Line
Revolving credit for technology, staffing, and operational needs throughout the year.
Explore →Frequently Asked Questions
Yes. TN holders can own US businesses through US-registered LLCs or corporations. Business ownership does not violate TN status as long as the TN holder maintains their primary employment relationship with their TN sponsor.
No. Bankable does not require a green card, permanent residency, or any specific immigration status. TN holders with SSNs and US business entities are eligible applicants.
The SBA updated its rules effective March 1, 2026, eliminating TN visa holders from SBA 7(a) and 504 loan eligibility. Bankable provides non-SBA revenue-based capital with 48-hour decisions.
Bankable delivers decisions within 48 hours of a complete application. Funded amounts are typically in the business account within 3-5 business days.
Bankable generally requires a US-registered business entity, SSN, 6+ months of operating history, and $15,000 or more in monthly business revenue.
Yes. Accountant is an explicitly listed TN occupation. TN accountants can own CPA firms, though many states require CPAs to hold equity in CPA firms. TN holders with CPA credentials can own practices in compliance with state CPA firm ownership rules.
Yes. Working capital for temporary staff during the January-April tax season is a core use case. Bankable provides advances based on prior-year revenue to cover staffing before current-year fees are collected.
Yes. Client book acquisitions from retiring CPAs are eligible for Bankable capital. The acquired client revenue is the primary underwriting basis for the purchase financing.
Bankable requires $10,000 or more in average monthly revenue with 6+ months of history. Annual revenue-averaging accommodates tax season spikes and off-season dips.
Yes. Revenue from both US and Canadian tax and accounting clients deposited into the US business account is counted. Cross-border expertise in USMCA tax compliance is a valuable niche.