Key Takeaways
- T visa holders qualify based on business revenue, not immigration status
- Restaurant funding from $25K to $500K available in as few as 5 business days
- Revenue-based repayment flexes with your daily sales volume
- No green card, no SBA eligibility required — Bankable is a private lender
- SBA 100% citizen rule (March 2026) does not apply to Bankable products
The restaurant industry rewards operators who understand their numbers. As a T visa holder running a restaurant, food truck, or catering company, you have already demonstrated the discipline required to manage food costs, control labor, and build a loyal customer base. Bankable provides revenue-based restaurant business funding that looks at one thing above all others: what your business earns.
The Restaurant Opportunity for T Visa Entrepreneurs
The U.S. restaurant industry generates over $1 trillion in annual revenue. Independent restaurants — the kind built by hands-on owner-operators who know their clientele — capture a significant and growing share of that market. T visa holders who have worked in kitchens, dining rooms, and catering operations bring irreplaceable knowledge: how to source ingredients efficiently, how to manage a kitchen team, and how to price a menu that generates margin.
The transition from employee to owner in food service is one of the most common entrepreneurial paths among T visa holders. Whether you started as a line cook, a server, or a catering assistant, the operational knowledge you gained is the foundation of a fundable business. Bankable recognizes that revenue is the proof of concept — not paperwork, not citizenship.
What Restaurant Funding Covers
- Kitchen Equipment: Commercial ovens, walk-in coolers, prep stations, dishwashers, and ventilation systems
- Leasehold Improvements: Dining room buildout, signage, accessibility upgrades, and exterior renovation
- Working Capital: Payroll, food inventory, utilities, and rent during slow periods
- Second Location Expansion: Deposit, buildout, and pre-opening costs for a new site
- Catering Capacity: Vehicles, equipment trailers, and staffing ramp-up for catering contracts
How Bankable Evaluates Restaurant Applications
Our underwriting focuses on your business's financial story. We review 3–6 months of business bank statements, your monthly revenue trend, and your fixed cost structure. T visa status is noted for identity verification but has zero bearing on approval decisions. We have funded restaurants owned by T visa holders in California, Texas, Florida, New York, and across every major metro market.
The qualification threshold is straightforward: $15,000+ in monthly gross revenue for working capital products, and equipment financing is available with lower revenue floors when the equipment itself serves as collateral. Check your Bankability Score to see your personalized options in under 5 minutes.
SBA Loans and T Visa Holders in 2026
As of March 2026, the SBA's updated rules require 100% U.S. citizen or national ownership for all SBA loan programs. This eliminates T visa holders from SBA 7(a) and SBA 504 eligibility. Learn more about SBA 7(a) loans and why Bankable's private lending alternatives are the primary route for T visa restaurant owners seeking growth capital.
Bankable is not an SBA lender. We operate as a private capital provider, which means our qualification standards are set by us — not by federal immigration policy. Your T visa is your work authorization. Your revenue is your qualification.
Revenue-Based Financing
Repay as a percentage of daily card receipts. Payments flex with your sales volume automatically.
Apply Now →Equipment Financing
Finance commercial kitchen equipment with the asset as collateral. Lower rates, longer terms.
Learn More →Working Capital Line
Draw on a revolving credit line for payroll, inventory, and operational gaps.
Check Score →Frequently Asked Questions
Yes. Bankable provides restaurant funding to T visa holders based on business revenue. There are no immigration status requirements. You need an active business with at least 3 months of operating history and $15,000+ in monthly revenue to qualify for most working capital products.
Bankable verifies identity for compliance purposes but immigration status has no bearing on funding approval. We evaluate your restaurant's revenue, cash flow, and growth trajectory.
Funding amounts range from $25,000 to $500,000 depending on your monthly revenue. A restaurant generating $50,000/month in revenue may qualify for $75,000–$150,000 in working capital.
Most Bankable restaurant funding decisions are made within 24–72 hours of receiving your application and bank statements. Funded amounts are typically deposited within 3–5 business days.
Equipment financing uses the equipment as collateral. Revenue-based working capital products require no hard collateral — your business revenue serves as the repayment mechanism.
Yes. Expansion capital for a second location is one of the most common uses of Bankable funding for restaurant operators. We assess both your existing location's performance and your growth plan.
The SBA's March 2026 rule requires 100% U.S. citizen or national ownership. T visa holders are no longer eligible for SBA 7(a) or SBA 504 loans. Bankable provides private lending alternatives that carry no such requirement.
You'll need 3–6 months of business bank statements, a voided business check, and basic business information (EIN, business name, time in business). We do not require tax returns for amounts under $150,000.