Key Takeaways
- Bridge the gap between completed work and delayed client payments
- T visa holders qualify based on invoiced revenue and business history
- Cash flow bridges fund in 48-72 hours for urgent situations
- Revenue-based repayment automatically aligns to your payment cycles
- No green card required — SSN and business entity are sufficient
Cash flow gaps are the silent killer of otherwise profitable businesses. You've completed the work, invoiced the client, and your employees need to be paid — but the client has Net 30 or Net 60 payment terms. For T visa entrepreneurs running service businesses, construction companies, or B2B operations, Bankable's cash flow bridge eliminates the stress of waiting.
When T Visa Business Owners Need a Cash Flow Bridge
- Large client invoices on Net 30/60/90 payment terms while payroll is weekly
- Seasonal dips in consumer businesses where fixed costs continue
- Unexpected large expenses (equipment failure, emergency repairs, tax payments)
- Pre-season inventory or staffing costs before peak revenue arrives
- Government contractor payment delays on federal or state projects
How Cash Flow Bridge Funding Works
Bankable advances a percentage of your outstanding invoices or your projected monthly revenue against your historical cash flow pattern. As client payments arrive, they repay the advance. This creates a smoothed, predictable cash position even when client payment timing is erratic.
Preserve Relationships, Not Just Cash Flow
Running short on cash forces bad decisions — delaying vendor payments, stretching payroll, or turning down new business opportunities. A cash flow bridge keeps your relationships intact and your business positioned to capture every opportunity. Check your Bankability Score and explore business lines of credit for ongoing cash flow flexibility.
Frequently Asked Questions
Yes. Bankable provides cash flow bridge funding to T visa holders based on outstanding invoices and business revenue history. A valid SSN, US business entity, and documented revenue are required — not a green card.
Bankable approves cash flow bridges in 48 hours and funds in 48-72 hours for urgent situations. This is one of the fastest funding products available.
Invoice financing advances cash against specific outstanding invoices. A cash flow bridge is a broader working capital advance based on your overall revenue pattern, not tied to specific invoices.
Cash flow bridge amounts range from $10K to $250K depending on your monthly revenue and the size of your receivables. Most bridge amounts are calibrated to 1-2 months of average monthly revenue.
Bridge financing typically has higher fees because it moves faster and has shorter terms. The total cost over a 3-6 month bridge period is usually small relative to the business cost of not having the capital.
Yes. Payroll is one of the most common uses of cash flow bridge funding. Bankable's funding can be in your account before your next payroll deadline if you apply immediately.
Responsible use of cash flow bridges and on-time repayment improves your Bankability Score and builds the track record for accessing larger, lower-cost financing in the future.
Bankable works with borrowers facing client payment delays. Contact us before missing a payment — early communication leads to better outcomes than waiting.