Key Takeaways
- Yes — TN visa holders can access business capital in 2026 through Bankable
- SBA 7(a) and 504 loans are now closed to TN holders as of March 2026
- Bankable's revenue-based capital requires only business revenue — no green card
- Conventional bank loans remain theoretically available but practically rare
- The fastest, most accessible path for TN holders in 2026: Bankable's 48-hour process
The short answer is yes — TN visa holders can get business financing in 2026. The longer answer involves understanding exactly which doors have closed (SBA), which remain open (Bankable and some conventional lenders), and which are the most practical for Canadian and Mexican TN professionals with established US businesses.
What Changed in March 2026
Effective March 1, 2026, the Small Business Administration updated its Standard Operating Procedure (SOP 50 10 7) to require lawful permanent resident status or US citizenship for all principals owning 20% or more of any SBA loan recipient entity. This change eliminated TN visa holders — along with H-1B, L-1, E-2, O-1, and most other non-immigrant visa holders — from SBA 7(a) and 504 loan eligibility.
For context: SBA loans previously represented the largest single source of small business capital for immigrant-owned businesses in the US. The March 2026 change is the most significant shift in small business lending eligibility in a generation.
Bankable: The Primary Alternative for TN Holders in 2026
Bankable's revenue-based capital program was designed specifically for businesses that cannot access traditional lending. For TN holders in 2026, Bankable is the most direct, fastest, and most consistently accessible source of business capital. Key features: up to $5M, 48-hour decisions, no green card requirement, no citizenship requirement, and underwriting based entirely on your business's revenue performance.
Check your Bankability Score to see exactly what you qualify for based on your business's current revenue.
Other Options TN Holders Should Know About
Conventional bank business loans: Some banks and credit unions will lend to TN holders with strong credit, significant deposit relationships, and collateral. These loans typically require 720+ credit, 2+ years of business banking history, and often personal real estate as collateral. They are available but not consistently accessible. Invoice factoring: If your business has B2B accounts receivable, factoring companies will advance 80-90% of invoices with no immigration requirement. Equipment financing: Many equipment lenders focus on the equipment's value rather than the borrower's immigration status. Business credit cards: US business credit cards are accessible to TN holders with SSNs and EINs, providing revolving credit for routine expenses.
The 2026 TN Business Financing Reality
For most TN holders with established businesses generating $15,000+ per month in revenue, Bankable is the clearest path to meaningful business capital in 2026. The March 2026 SBA change removed the government-backed option, but Bankable's revenue-based model fills that gap with comparable limits, faster decisions, and no immigration barrier.
Explore all Bankable financing products available to TN holders.