Key Takeaways
- TN visa holders can get equipment financing without a green card through Bankable
- Bankable funds equipment up to $5M with 48-hour decisions — no immigration check
- Equipment serves as natural collateral, making approval easier than unsecured loans
- SBA equipment financing is closed to TN holders since March 2026
- New and used equipment both eligible; all industries served
Getting equipment financing without a green card is entirely possible for TN visa holders — and in 2026, Bankable is the fastest, most accessible route. This guide answers every question about equipment financing for TN holders: who qualifies, what equipment is eligible, how it's structured, and how the March 2026 SBA changes affect your options.
Who Qualifies for TN Holder Equipment Financing
Bankable's equipment financing is available to any TN visa holder who meets the standard revenue requirements: US-registered business entity, EIN, SSN, US business bank account, and $15,000+ in monthly business revenue for 6+ months. Equipment financing specifically may have slightly different thresholds based on the equipment value relative to your revenue — contact Bankable for equipment-specific qualification guidance.
Industries commonly served: healthcare and medical practices, dental offices, veterinary clinics, manufacturing and fabrication, food service and restaurants, construction and contracting, transportation and logistics, technology and data centers, beauty and wellness, and fitness and recreation.
Equipment Types Bankable Finances for TN Holders
Bankable finances virtually any legitimate business equipment: Medical equipment: Imaging systems (MRI, CT, X-ray), dental chairs, surgical tables, laboratory analyzers, ophthalmology equipment. Manufacturing: CNC machines, laser cutters, injection molding equipment, industrial presses, assembly robots. Food service: Commercial ovens, walk-in refrigerators, industrial dishwashers, point-of-sale systems, food prep equipment. Transportation: Commercial trucks, vans, trailers, refrigerated vehicles, specialty vehicles. Construction: Excavators, backhoes, lifts, compressors, concrete equipment. Technology: Server racks, GPU clusters, networking equipment, security systems. Fitness: Commercial-grade cardio and weight equipment, recovery technology.
Check your Bankability Score to see your equipment financing capacity.
How Equipment Financing Works Without a Green Card
Bankable's equipment financing evaluates: your business's trailing 12-month revenue, the equipment's invoice value and useful life, the equipment's loan-to-value ratio, and your business's debt service coverage capacity. Your immigration status is not part of this evaluation. The equipment itself serves as natural collateral — a commercial-grade CNC machine or medical imaging system has independently verifiable value that anchors the loan even without personal real estate as security.
The March 2026 SBA Equipment Financing Gap
SBA 7(a) loans were frequently used for equipment financing at favorable 10-year terms. SBA 504 loans provided 20-25 year terms for major capital equipment tied to commercial real estate. Both are now unavailable to TN holders as of March 2026. Bankable's equipment financing typically offers 3-7 year terms — shorter than SBA's longest terms, but still sufficient for most equipment useful life cycles.
See how Bankable's equipment financing compares to SBA equipment programs.
New vs. Used Equipment Financing for TN Holders
Bankable finances both new and used equipment. New equipment: Advance rates of up to 100% of invoice are available for new equipment from authorized dealers. Standard terms apply. Used equipment: Requires an independent appraisal or dealer invoice to establish fair market value. Advance rates are typically 70-90% of appraised value. Used equipment from auctions (GovPlanet, IronPlanet, Ritchie Bros) can also be financed with advance documentation.