Key Takeaways
- Bankable funds TN-owned businesses up to $5M — matching the SBA 7(a) maximum
- Your maximum is determined by your business's revenue, not your visa status
- Most TN holders qualify for 1-3x their monthly revenue as their initial facility
- SBA's $5M maximum is now unavailable to TN holders since March 2026
- Building your Bankability Score increases your maximum over time
The maximum amount a TN visa holder can borrow for their business depends on the lender — and as of March 2026, the landscape has shifted significantly with the SBA closure. This page clarifies the maximum amounts available across every funding source, with Bankable's $5M maximum as the practical ceiling for most TN holders.
Bankable's Maximum: $5M
Bankable funds TN-owned businesses up to $5 million. This matches the SBA 7(a) maximum — meaning TN holders who previously relied on SBA can access equivalent capital through Bankable. The $5M maximum is subject to your business's revenue profile: most first-time Bankable clients qualify for facilities of 1-3x their monthly revenue, scaling up as the relationship matures and revenue grows.
A business generating $200K/month in revenue typically qualifies for an initial Bankable facility of $400K-$600K. The same business at $500K/month may qualify for $1.5M-$2M. Consistent growth and responsible facility usage unlock higher maximums over time.
Check your Bankability Score for your personalized maximum estimate.
How Your Revenue Determines Your Maximum
Bankable's underwriting model uses a simple principle: your facility should be serviceable from your existing revenue without creating an unsustainable daily payment burden. The typical underwriting metric: if 15% of your daily deposits comfortably services the advance, you qualify. For a $2M business ($166K/month, $5,500/day), a $750K advance at 15% daily ($825/day) represents 15% of daily revenue — an acceptable service ratio. For a $5M maximum, you typically need $2M+ in annual revenue.
Maximum by Loan Type for TN Holders
Bankable working capital: Up to $5M. Bankable equipment financing: Up to $5M per transaction. Invoice factoring: No set maximum — limited only by the value of your outstanding invoices. Large factoring lines of $10M+ exist for businesses with significant B2B receivables. Community bank lines: Typically $50K-$2M for TN holders with strong relationships. CDFI loans: $25K-$500K. Business credit cards: $5K-$100K.
Building to a Higher Maximum Over Time
TN holders who start with Bankable at smaller facility sizes and demonstrate responsible usage consistently see their maximums increase. The factors that drive maximum increases: year-over-year revenue growth, low daily payment-to-revenue ratio, no missed payments or defaults, and consistent business bank statement quality. Many TN holders who started with $100K facilities are now accessing $500K-$2M as their businesses grew and their Bankability Scores strengthened.
Learn more about how Bankable's facility sizes are determined.