Key Takeaways
- T visa holders can borrow from $10K to $2M depending on business revenue
- Maximum loan amount is primarily determined by monthly revenue and time in business
- Equipment and real estate collateral unlock higher loan-to-value amounts
- First-time borrowers with 6 months of history typically access $25K-$100K
- Revenue above $100K/month unlocks $500K+ in most product categories
The single most important factor in determining your maximum loan amount as a T visa holder is your monthly business revenue — not your immigration status, credit score, or time in the US. This guide breaks down exactly how much you can borrow at each revenue level and what products unlock the highest amounts.
Loan Amount by Monthly Revenue
| Monthly Revenue | Typical Max (Working Capital) | Max with Collateral |
|---|---|---|
| $5K-$10K/mo | $25K-$50K | $50K-$100K |
| $10K-$25K/mo | $50K-$150K | $100K-$250K |
| $25K-$50K/mo | $150K-$350K | $250K-$500K |
| $50K-$100K/mo | $350K-$600K | $500K-$1M |
| $100K+/mo | $500K-$1M | $1M-$2M |
What Increases Your Maximum Amount
- Time in Business: Businesses with 2+ years of history can access 2-3x more than businesses with 6-12 months.
- Collateral: Equipment, commercial real estate, and inventory significantly increase maximum loan amounts.
- Business Credit Score: A D&B Paydex score of 80+ unlocks better rates and higher amounts.
- Industry: Lower-risk industries (healthcare, professional services) qualify for higher amounts than higher-risk industries (restaurants, entertainment).
- Revenue Growth Trend: Businesses showing consistent month-over-month revenue growth qualify for more than flat-revenue businesses.
Product-Specific Maximums
- Revenue-Based Financing: Up to $500K, capped at 10-15% of annual revenue
- Equipment Financing: Up to $1M, limited by equipment value (80-90% LTV)
- Business Line of Credit: Up to $500K based on monthly revenue
- Commercial Real Estate: Up to $2M, limited by property value (75-80% LTV)
- Business Acquisition: Up to $2M, limited by target business EBITDA multiple
The only way to know your exact maximum is to check your Bankability Score — Bankable's assessment provides a personalized loan amount range based on your specific business profile. Also explore SBA-alternative products for the highest available amounts.
Frequently Asked Questions
T visa holders can borrow from $10K to $2M depending on business revenue, time in business, and collateral. Working capital loans are typically capped at 10-15% of annual revenue. Equipment and real estate financing can reach higher amounts based on asset value.
Bankable typically requires $5,000 or more in monthly revenue for the smallest loans. Higher loan amounts require proportionally higher monthly revenue. Check your Bankability Score to see your personalized minimum.
Businesses with less than 12 months of history are typically limited to $25K-$75K unless they have strong collateral (equipment, real estate) or a co-signer with excellent credit. Time in business is one of the most important factors in unlocking higher amounts.
Not with Bankable — we evaluate all applicants on revenue and business performance, not immigration status. However, a green card would unlock SBA loan eligibility, which offers larger amounts at lower rates than private lending for qualified businesses.
Yes, with the right business profile. $1M loans require $100K+ in monthly revenue, 2+ years in business, strong business credit, and typically real estate or equipment collateral. Acquisition loans for businesses generating strong EBITDA can also reach $1M+.
Working capital loans above $500K typically require commercial real estate as additional collateral. Alternatively, a commercial real estate loan (if you own or are purchasing property) can reach $2M and often frees up operating capital.
A co-signer with strong personal credit and income can significantly increase your maximum loan amount, especially for newer businesses. The co-signer takes on personal liability for repayment, so this decision should be made carefully.
Yes. Bankable clients can hold multiple products simultaneously — for example, an equipment loan and a working capital line. Total exposure is evaluated based on your revenue and debt service capacity.