Key Takeaways
- Bankable does NOT require a green card for business funding
- T visa holders qualify based on business revenue only
- No permanent residency, green card, or citizenship check in underwriting
- Identity verification (SSN or ITIN) is the only immigration-related requirement
- Revenue-based qualification: documented business income is your application
Bankable does not require a green card. This is the most important thing T visa business owners need to know. Bankable is a private lender that evaluates business performance — not immigration status, visa category, or green card eligibility.
How Bankable's Qualification Works
Bankable's underwriting process focuses entirely on business performance. When a T visa business owner applies, we evaluate:
- Business Revenue: Monthly gross revenue from business bank statements (primary factor)
- Revenue Trend: Whether revenue is stable, growing, or declining over the review period
- Time in Business: Minimum 3 months of operating history for most products
- Business Structure: Active entity (LLC, S-Corp, C-Corp) with EIN and business bank account
- Identity Verification: SSN or ITIN for compliance purposes only — not an underwriting factor
Immigration status — T visa, H-1B, DACA, TPS, or any other non-immigrant category — is noted during identity verification but has zero bearing on the funding decision. A T visa business generating $30,000/month in revenue will receive the same underwriting evaluation as a U.S. citizen business generating $30,000/month.
Why Banks Require Green Cards (And Why Bankable Doesn't)
Traditional banks and SBA lenders have imposed de facto citizenship requirements through a combination of explicit policy (SBA's March 2026 rule) and implicit risk aversion. Banks fear that non-immigrant visa holders may leave the country before repaying — a concern that is statistically unsupported for T visa holders who have applied for and are awaiting permanent residency.
Bankable's revenue-based products eliminate this concern structurally. Revenue-based repayment collects automatically from daily sales — there is no reliance on the borrower's future willingness to pay. The revenue repays the capital, regardless of where the business owner lives. This eliminates the rationale for immigration status discrimination in lending.
What T Visa Holders Need to Apply at Bankable
- Business bank statements: 3-6 months of business checking account statements
- Business entity documents: Articles of organization, EIN confirmation letter
- Voided business check: For ACH deposit setup
- Basic business information: Business name, address, time in business
There is no green card copy required. No permanent residency documentation. No citizenship proof. Check your Bankability Score to begin the application process today.
Apply in 5 Minutes
No green card, no immigration paperwork — just your business bank statements and basic business info.
Apply Now →48-Hour Decision
Most T visa business applications receive a decision within 24-72 hours of complete application submission.
Check Score →Revenue-Based Repayment
Repay from daily sales — no fixed payment, no immigration status check throughout the term.
Explore →Frequently Asked Questions
No. Bankable does not require a green card, permanent residency, or citizenship for business funding. T visa holders qualify based on business revenue.
Bankable verifies identity using an SSN or ITIN. No green card, visa copy, or immigration status documentation is required for the funding application.
Yes. T visa holders with work authorization are fully eligible to apply for Bankable business funding. Your work authorization combined with your business revenue is sufficient qualification.
Immigration status may be noted during identity verification for compliance purposes, but it has zero bearing on the funding decision. The underwriting focuses exclusively on business revenue.
Traditional banks often impose citizenship or permanent residency requirements due to risk policies or SBA eligibility rules. As a private lender, Bankable sets our own standards — which focus on business performance, not immigration status.
Yes. T visa holders with work authorization and an EIN can open business bank accounts at most U.S. financial institutions. Some banks are more T visa-friendly than others — our team can provide guidance.
No. Bankable's pricing is based on business risk — revenue performance, time in business, industry — not immigration status. A T visa business with strong revenue accesses the same rate tier as any other business at that performance level.
Most Bankable working capital products require $15,000+ in monthly gross revenue. Equipment financing may be available with less revenue when the equipment serves as collateral.