Key Takeaways
- Traditional bank lines of credit are largely inaccessible to TN holders
- Bankable's revolving working capital facility is the functional equivalent for TN holders
- Draw, repay, draw again — Bankable's revolving structure mirrors a traditional line of credit
- Up to $5M revolving facility available to TN holders with $15K+/month in revenue
- 48-hour initial approval; established clients draw in 24 hours
A business line of credit is the most flexible financing tool available to business owners — draw what you need, repay it, draw again. For TN visa holders, accessing a traditional bank line of credit is difficult due to immigration policies. Bankable's revolving working capital facility provides the same flexibility with zero immigration requirements and 48-hour initial approval.
Why Traditional Bank Lines Are Hard for TN Holders to Access
A traditional business line of credit from a bank requires: typically 2+ years of business banking history with that institution, personal credit score of 720+, often personal real estate as collateral, and citizenship or permanent residency at most major lending institutions. These requirements create a de facto barrier for TN holders regardless of their business's financial performance. A TN engineer with a 780 credit score, $1.2M revenue business, and 8 years of US banking history may still be declined simply due to immigration status.
Bankable's Revolving Facility: How It Works
Bankable's revolving working capital facility operates analogously to a bank line of credit. You are approved for a maximum facility size (e.g., $300K). You draw funds as needed in increments of $25K or more. A fixed percentage of your daily revenue (10-20%) is applied to your balance each day. As you repay, your available balance replenishes. You can draw again once sufficient balance is restored. The facility renews annually with limit reviews tied to your revenue growth.
Key difference from a bank line: repayment is revenue-based rather than minimum monthly payments. In strong revenue months, you repay faster and restore availability sooner. In slower months, lower daily revenue means lower daily repayment — a natural buffer that bank lines don't provide.
Check your Bankability Score to see your revolving facility eligibility.
Business Credit Cards: The Sub-$50K Alternative
Business credit cards are accessible to TN holders with SSNs and EINs and provide revolving credit of $5K-$100K for routine business expenses. Major card issuers (Amex, Chase, Capital One) generally do not have citizenship requirements for business credit cards — they evaluate personal credit score instead. Business credit cards complement Bankable's revolving facility for everyday purchases, travel, and supplies.
Building Your Revolving Credit Profile as a TN Holder
The strongest revolving credit profile for a TN holder combines: a Bankable revolving facility (primary large-dollar revolving credit), 2-3 business credit cards (routine expenses and credit building), and a business checking account with overdraft protection (micro-bridge for same-day needs). Over time, responsible management of these facilities builds the business credit history that may eventually qualify you for conventional bank lines — even as a TN holder with the right banking relationships.
Learn more about all Bankable revolving and non-revolving capital products.