Key Takeaways
- Working capital lines from $25K to $500K for T visa businesses
- Draw only what you need — interest only on the amount drawn
- Revolving structure lets you repay and draw again as needs arise
- No green card required — monthly revenue determines your line size
- Ideal for businesses with variable capital needs across the year
A working capital line of credit is the most flexible capital product available to T visa business owners. Unlike a term loan that delivers a fixed amount upfront and requires fixed payments, a revolving line lets you draw what you need when you need it and repay from revenue. Bankable structures working capital lines based on your monthly business revenue.
How This Works for T Visa Business Owners
Working capital lines are particularly valuable for businesses with variable cash flow needs: a cleaning company that draws for new equipment one month and for payroll bridge the next; a restaurant that draws for emergency repairs during a busy season and repays within 60 days; a retailer that draws for holiday inventory in October and repays in January from holiday sales. The revolving structure adapts to your actual cash flow needs.
Bankable sizes working capital lines at 1-3x monthly revenue for most T visa business owners. A business generating $25,000/month may qualify for a $50,000-$75,000 revolving line. As your revenue grows, your line size grows with it — typically through an annual review process.
Bankable's Approach
- Payroll Bridge: Draw for payroll when client payments are delayed
- Equipment & Repairs: Draw for urgent equipment needs and repay from operating revenue
- Inventory: Draw for inventory purchasing and repay as products sell
- Seasonal Gaps: Draw during slow periods and repay during peak season
- Opportunity Capital: Draw to capture time-sensitive opportunities that arise unexpectedly
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.