Key Takeaways
- Bank lines of credit are largely inaccessible to TN holders — Bankable's revolving facility fills this gap
- Draw, repay, draw again — Bankable's revolving structure works like a traditional line of credit
- No green card, no SBA eligibility required — revenue is the only qualification factor
- 48-hour decisions on new facilities; established clients draw same-day
- Revolving facilities grow automatically as your business revenue grows
A working capital line of credit — the ability to draw cash, repay, and draw again as business needs fluctuate — is one of the most valuable financial tools a business owner can have. For TN visa holders, bank lines of credit are almost universally inaccessible: they require citizenship, permanent residency, or multi-year banking relationships with institutions that have stringent immigration policies. Bankable's revolving working capital facility provides the same financial flexibility without any immigration requirements.
How Bankable's Revolving Facility Works
Bankable's working capital facility operates similarly to a traditional line of credit: you are approved for a maximum facility size (e.g., $500K), you draw from it as needed (in increments of $25K or more), you repay from revenue (a percentage of daily deposits), and as you repay, your available balance replenishes. You can draw again as soon as sufficient balance has been restored.
Unlike a traditional line of credit, Bankable's repayment is revenue-based rather than fixed-payment — meaning your monthly obligation flexes with your business's actual cash flow. In strong months, you repay faster and restore your available balance more quickly. In slower months, your daily payment is lower.
Why Bank Lines Are Inaccessible to TN Holders
Traditional bank lines of credit require: US citizenship or permanent residency for primary borrowers, 2+ years of business banking history with the lending institution, strong personal credit (720+), often personal real estate as collateral, and extensive financial documentation. For a TN holder who has been in the US for 7 years, has a 750 credit score, and runs a $1.2M revenue business, these requirements still exclude them because of immigration status alone.
Bankable's single qualification criterion: demonstrated business revenue.
Check your Bankability Score to see your working capital line eligibility.
Common Uses of a TN Holder's Working Capital Line
Bankable clients use their revolving facility for: payroll cover during slow receivables weeks, inventory purchasing for unexpected demand surges, vendor prepayments that unlock supplier discounts, marketing campaign funding tied to specific revenue periods, tax payments and quarterly estimated taxes, emergency repairs and maintenance, and opportunistic purchases (equipment at auction, lease takeovers, etc.).
Building Your Bankability Score for a Larger Line
Every draw and repayment on your Bankable revolving facility builds your Bankability Score. TN holders who use their facility responsibly — drawing for revenue-generating purposes, repaying promptly, and growing their underlying business — typically see their facility limits increase by 20-50% annually. A TN holder who starts with a $100K facility can often access $400K-$500K within 3 years of consistent usage.
Explore all Bankable working capital products to find the right structure for your business.