Key Takeaways
- Biotech lab funding from $50K to $750K for T visa holders
- Contract research, lab services, and biotech product revenue all qualify
- Fund equipment, reagents, and research capacity expansion
- No green card required — Bankable evaluates biotech revenue and contracts
- Federal contracts and industry service agreements strengthen applications
Biotech and life science companies built by T visa researchers and scientists represent some of the most sophisticated and high-value businesses in the American economy. T visa holders who have earned PhD degrees, completed postdoctoral research, or worked in pharmaceutical and biotech environments have the scientific expertise to build commercial life science businesses. Bankable provides capital for biotech businesses based on contract and service revenue.
The Business Opportunity
The U.S. biotech and life science sector generates over $600 billion annually. Contract research organizations (CROs), laboratory testing services, analytical testing labs, and early-stage biotech companies generate documented revenue from industry and government clients. T visa researchers who build these businesses are translating scientific expertise into commercial enterprises.
The primary capital needs for biotech businesses are laboratory equipment, reagents and consumables, regulatory compliance costs, and working capital to bridge the timing gap between service delivery and client payment. Bankable funds these needs based on contract revenue — not grant funding, which carries its own restrictions.
What Funding Covers
- Lab Equipment: Centrifuges, PCR machines, mass spectrometers, imaging systems, and analytical instruments
- Reagents & Consumables: Pre-purchase laboratory supplies for contracted research projects
- Working Capital: Bridge between project delivery and client invoice payment (30-90 days)
- Regulatory Compliance: FDA registration, CAP accreditation, and quality management system costs
- Staffing: Research associate hiring and laboratory technician payroll for growing project volume
How Bankable Qualifies Applications
Bankable evaluates biotech businesses based on contract revenue, client invoice history, and bank statement deposits. CROs and testing labs with documented recurring client relationships are particularly strong applicants.
A biotech lab generating $30,000/month in contract revenue can access $75,000-$300,000 through Bankable. Check your Bankability Score.
Frequently Asked Questions
Yes. Bankable funds biotech lab businesses owned by T visa holders based on business revenue. No green card or SBA eligibility is required.
Most products require $25,000+ in monthly gross revenue. Equipment financing may be available at lower revenue levels.
No. Immigration status has zero bearing on funding approval. Your business revenue is your qualification.
3-6 months of business bank statements, a voided business check, and basic business info (EIN, business name, time in operation). No tax returns required under $150K.
Applications take 5 minutes. Decisions within 24-72 hours. Funded within 3-5 business days of approval.
Up to $750,000 depending on monthly revenue.
Equipment financing uses assets as collateral. Working capital products generally require no hard collateral — your revenue is the repayment mechanism.
SBA loans now require 100% U.S. citizen ownership. T visa holders must use private lenders like Bankable, which carry no such requirement.