Key Takeaways
- Seasonal capital from $15K to $300K for T visa businesses with seasonal revenue patterns
- Pre-season capital for inventory, hiring, and equipment
- Repay from the peak season revenue the capital generates
- No green card required — prior season revenue qualifies
- Seasonal businesses with documented year-over-year revenue qualify strongly
Seasonal businesses face a structural capital challenge: the investment required to prepare for the peak season must be made before the peak season revenue arrives. A landscaping company needs to hire spring crews in February. A holiday gift retailer needs to purchase inventory in September. Bankable provides pre-season capital based on your documented prior season performance.
How This Works for T Visa Business Owners
The seasonal capital cycle is predictable and manageable with the right funding structure. A landscaping company with a documented spring-summer revenue peak of $40,000/month can draw on a Bankable line in February to hire and equip crews, then repay from the April-September revenue surge. The capital cost is covered many times over by the revenue it enables.
Bankable evaluates seasonal businesses based on their full-year revenue history — not just the peak month. Prior year bank statements showing the seasonal pattern give Bankable the underwriting data to fund pre-season preparation for the coming peak.
Bankable's Approach
- Pre-Season Hiring: Payroll for seasonal employees hired before peak demand arrives
- Inventory Pre-Purchase: Stock up before peak season demand drives up prices and supply
- Equipment: Seasonal equipment purchases or rentals needed for peak capacity
- Marketing: Pre-season advertising to fill your pipeline before peak begins
- Operating Reserves: Bridge the off-season trough with working capital for fixed costs
T visa business owners can check their Bankability Score in 5 minutes to see personalized funding options. Learn about SBA alternatives for T visa entrepreneurs who are no longer eligible for federal programs.
Frequently Asked Questions
Yes. Bankable provides funding to T visa business owners based on documented revenue. No green card or SBA eligibility required.
Most products require $15,000+ in monthly gross revenue.
No. Immigration status has zero bearing on approval. Your revenue is your qualification.
Applications take 5 minutes. Decisions within 24-72 hours. Funded within 3-5 business days.
3-6 months of business bank statements, a voided business check, and basic business info (EIN, business name).
Up to $750,000 depending on monthly revenue and use of funds.
Equipment financing uses assets as collateral. Working capital products generally require no hard collateral.
SBA loans now require 100% U.S. citizen ownership. T visa holders use private lenders like Bankable with no such restriction.