Key Takeaways
- Agricultural scientists and engineers on TN frequently own farm operations
- Seasonal capital bridges planting-to-harvest revenue gaps
- Equipment financing for tractors and harvesters uses assets as collateral
- Mexican TN holders bring expertise in produce and specialty crop markets
- SBA eliminated TN eligibility March 2026 — Bankable funds agriculture directly
Agricultural scientists and biologists — explicitly listed TN visa occupations — frequently have direct applications to farm ownership and agribusiness operations. A Canadian agricultural scientist on TN status in California's Central Valley builds a specialty produce operation serving premium grocery chains. A Mexican agronomist on TN in Texas manages a high-yield vegetable farm using precision agriculture techniques developed in Mexico's major agricultural export regions.
Agriculture has the most extreme cash flow seasonality of any industry: seeds and fertilizer are purchased in spring, labor costs peak in summer, and revenue arrives at harvest in fall. This 4-6 month gap between cash outflows and cash inflows is the fundamental capital challenge of farming — and Bankable's revenue-based model is structured to accommodate it through seasonal payment adjustments.
Agricultural Capital Uses
- Equipment: Tractors ($50,000-$250,000), harvesters, irrigation systems, and specialty farm equipment
- Inputs financing: Seeds, fertilizers, pesticides, and soil amendments purchased before planting
- Labor capital: Harvesting labor costs concentrated in a 4-8 week window before crop sale revenue arrives
- Cold storage: Refrigerated storage facilities to extend the selling window for perishable crops
- Greenhouse operations: Year-round controlled environment agriculture requiring equipment and operational capital
Equipment Financing
Finance tractors, harvesters, and irrigation systems with asset-backed terms.
Learn More →Seasonal Capital
Bridge planting-to-harvest cash gaps with flexible revenue-based working capital.
Learn More →Inputs Financing
Fund seeds, fertilizers, and supplies before crop revenue arrives at harvest.
Apply Now →Frequently Asked Questions
Yes. TN visa holders can own US businesses in any industry. The business is a separate legal entity from the TN holder's immigration-authorized employment. Many TN holders structure businesses with a spouse or hired manager as operator.
Bankable evaluates business revenue, bank statements, and financial performance. TN visa status is not a disqualifying criterion. Any TN holder with an SSN and US business entity is eligible to apply.
The SBA updated its rules effective March 1, 2026, eliminating TN visa holders from SBA 7(a) and 504 eligibility. Bankable provides non-SBA revenue-based capital with 48-hour decisions.
Bankable delivers decisions within 48 hours. Funded amounts are typically available within 3-5 business days of approval with complete documentation.
Business bank statements (3-6 months), merchant processing reports if applicable, EIN documentation, and business registration documents. No visa documents are required.
Yes. Farm and agribusiness ownership is available to TN holders. Agricultural scientists, biologists, and engineers frequently own operations that apply their professional expertise.
Bankable uses annual revenue averages for agricultural businesses and structures revenue-based repayment to allow minimal or deferred payments during off-season months with peak repayment aligned to harvest revenue.
Tractors, combines, harvesters, irrigation systems, greenhouse equipment, refrigerated storage, and specialty farm machinery are all eligible for equipment financing.
Yes. Produce businesses with documented revenue from US sales, whether domestically grown or imported from Mexico under USMCA, qualify for Bankable capital.
Yes. Greenhouse operations with year-round revenue from controlled environment agriculture are eligible. The year-round revenue cycle reduces seasonality risk compared to field crop operations.