Key Takeaways
- Bankable funds payroll for T visa business owners hiring their first team
- Cover 3-6 months of payroll while new employees ramp to full productivity
- First hires typically increase business revenue by 30-60% within 90 days
- Revenue-based repayment means you pay back from new revenue generated
- No green card required — SSN and business entity are sufficient
The decision to hire your first employee is one of the most important milestones in a T visa entrepreneur's business journey — and often the most capital-intensive. Before a new hire reaches full productivity, you're covering their salary, training costs, and benefits out of current cash flow. Bankable's payroll bridge funding helps T visa business owners make this critical investment without depleting their operational reserves.
What Hiring Capital Covers
- Payroll Bridge (3-6 months): Cover employee wages during the period before they generate revenue that pays for themselves.
- Onboarding & Training: Certifications, software licenses, uniforms, equipment, and tools new hires need to be productive.
- HR Setup Costs: Payroll software (Gusto, ADP), workers comp insurance, and employee handbook development.
- Benefits Funding: Health insurance premiums that make your positions competitive and reduce turnover.
- Recruitment: Job posting fees, background check costs, and recruiter commissions for hard-to-fill roles.
T Visa Employer Requirements
As a T visa holder who is a business owner, you can legally employ US workers and other authorized workers. Your business must have a valid EIN, be registered in your state, and maintain the worker's comp and unemployment insurance required by state law. Bankable funds employers of all immigration backgrounds.
From Solo Operator to Employer
This transition is one of the most powerful in business. Once you have even one employee, you can serve more customers, work on your business instead of in it, and create the systems that enable sustainable growth. Check your Bankability Score to see how much hiring capital you can access.
Working Capital Loan
Fund 3-6 months of payroll while your new hire ramps to productivity.
Apply Now →Frequently Asked Questions
Yes. T visa holders who own businesses can legally employ US workers and other authorized workers. Your business needs an EIN, state registration, and proper insurance — not a green card.
Yes. Payroll bridge loans and working capital lines are specifically designed to cover employee costs during growth periods. Bankable evaluates your existing revenue to determine how much payroll capital you can access.
Payroll bridge amounts typically range from $15K to $150K depending on your current business revenue and how many employees you're hiring. The goal is to cover 3-6 months of fully-loaded employee costs.
A business line of credit is the fastest and most flexible option — you can draw funds weekly as payroll is due. Bankable can establish a credit line in 5-10 business days.
Revenue-based repayment means your payments flex with your revenue. If you lose a hire and revenue dips temporarily, your daily payment amount decreases automatically.
Before your first hire, you need: EIN (already required for Bankable), state payroll registration, workers comp insurance, unemployment insurance registration, and an I-9 verification process. Bankable funding can cover these setup costs.
Yes. Working capital can fund both W-2 employees and 1099 contractor payments. Contractors have different legal requirements, so consult with an accountant about the proper classification.
Yes. Having employees demonstrates business scale and revenue capacity, which are positive factors in future Bankability Score assessments. Growing your team often unlocks larger funding in subsequent applications.