Key Takeaways
- Engineers and architects are listed TN visa occupations with construction relevance
- Construction businesses owned by TN holders qualify for Bankable capital
- Equipment financing and working capital available without green card
- Bond capacity support through Bankable financing improves contract eligibility
- SBA eliminated TN eligibility March 2026 — Bankable is the direct alternative
Civil engineers, structural engineers, and architects — all explicitly listed TN visa occupations — form the technical backbone of construction project management. TN holders in these categories frequently transition from design and engineering roles at large firms to owning their own construction management, general contracting, or specialty trade businesses. The engineering knowledge that qualifies them for TN status becomes a competitive advantage in their construction businesses: better project estimating, stronger quality control, and more sophisticated value engineering than typical contractors.
A structural engineer from Vancouver on TN status in Seattle builds a structural engineering and general contracting firm. A Mexican civil engineer on TN in Houston owns a civil site work company serving commercial developers. These businesses generate significant revenue — commercial construction projects often run $500,000 to $10,000,000 — but the cash flow timing is brutal: materials and labor costs are paid monthly while progress payments from owners come quarterly or at project milestones.
Construction Working Capital Challenges
Construction is one of the most cash-flow-negative industries relative to revenue. A general contractor on a $2M commercial project may need $400,000 in working capital to carry materials and subcontractor payments through the first 90 days before the first draw. Bankable provides this working capital without requiring SBA eligibility or a green card. Check your Bankability Score to see your working capital capacity.
- Equipment acquisition and rental: Excavators, cranes, scissor lifts, and specialty equipment for project execution
- Materials pre-purchasing: Steel, concrete, lumber, and specialty materials that must be purchased before installation
- Subcontractor payroll bridge: Pay subs on schedule while waiting for owner draw payments
- Bonding support: Bankable financing strengthens the balance sheet that bonding companies evaluate
- Bid bonds and performance bonds: Working capital to support bond premiums for large contracts
Equipment Financing
Finance construction equipment with the asset as collateral for favorable rates.
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Bridge the gap between project starts and owner draw payments with flexible capital.
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Get Started →Frequently Asked Questions
Yes. TN holders who are engineers or architects can own construction companies. The engineering or architectural TN occupation is the primary employment; the construction business is a separately owned entity.
Yes. Construction working capital for materials, subcontractors, and equipment is a core Bankable product. We understand construction draw cycles and structure repayment accordingly.
Bankable reviews contracts in progress, accounts receivable aging, past project completion history, and bank statement cash flows. Construction companies with consistent completed contract revenue qualify for higher funding amounts.
Bankable does not issue bonds directly but provides capital that strengthens the balance sheet surety companies evaluate. Improved working capital ratios and lower debt levels support higher single and aggregate bonding limits.
Yes. Excavators, bulldozers, cranes, and other heavy construction equipment are eligible for Bankable equipment financing. The equipment serves as collateral.
Bankable funds construction businesses with $25,000 minimum advance amounts. The business revenue — not individual project size — is the primary qualification metric.
Bankable's revenue-based repayment takes a fixed percentage of daily bank account deposits. During active draw periods with high deposits, more is repaid. During slow periods, less is repaid. This naturally aligns with construction cash flows.
Yes. Electrical contracting, plumbing, HVAC, and specialty trade businesses owned by TN professionals are eligible for Bankable capital. Each has separate industry pages with more detail.
Yes. Design-build firms that combine architectural and construction services generate hybrid revenue — design fees plus construction margins — both of which are evaluated in Bankable underwriting.
Bankable requires 3-6 months of business bank statements, a list of current and completed contracts, and basic business documents. No visa documents are required.