Key Takeaways
- Texas has over 150,000 U visa petitioners, concentrated in Houston, Dallas, and the Rio Grande Valley
- Bankable approves funding based on business revenue, not immigration status
- SBA loans are blocked for U visa holders under the March 2026 rule — Bankable is the alternative
- Funding from $25K to $750K for Texas businesses with 6+ months revenue history
- Most Texas applicants receive a decision within 48 hours and funds within 5 business days
Texas is home to the second-largest U visa community in the United States. Houston's Gulfton and Mahatma Gandhi districts, Dallas's Oak Cliff neighborhood, San Antonio's South Side, and the entire Rio Grande Valley corridor represent dense concentrations of U visa holders running active, revenue-generating businesses.
Common business types funded by Bankable in Texas include construction subcontracting, landscaping, auto repair, food service, trucking, cleaning services, and retail. These businesses have EINs, bank accounts, and documented revenue — the exact inputs Bankable uses to underwrite funding.
Why Texas Banks Reject U Visa Holders
Even Texas-based community banks and credit unions routinely decline U visa business loan applications. The reasons mirror what happens nationally: banks use permanent residency as a proxy for repayment stability, and the SBA guarantee — which backstops most small business lending — is now unavailable for U visa holders under the March 2026 rule change.
Bankable does not require permanent residency. We evaluate your monthly deposits, your customer base, and your receivable stream. Your visa category does not factor into our credit decision.
Texas-Specific Industries We Fund
- Construction and trades: Concrete, roofing, electrical, and HVAC subcontractors across Houston and DFW
- Trucking and logistics: Owner-operators and small fleets based in Laredo, El Paso, and Houston
- Food service: Taquerias, Mexican bakeries, and food trucks in San Antonio and the Valley
- Auto repair: Independent shops serving immigrant communities in Dallas and Houston
- Cleaning and janitorial: Commercial cleaning contracts in office parks and medical facilities
- Retail: Carnecerias, tiendas, and convenience stores serving Hispanic communities
How to Apply
Texas U visa business owners can apply online in under 10 minutes. You need 3 months of business bank statements, your EAD, your EIN, and a copy of your I-918 notice or U visa stamp. No tax returns required for advances under $150K. Check eligibility at Bankable's Bankability Score tool or call (786) 443-5511.
For context on why SBA loans are no longer available, see our SBA 7(a) overview and our dedicated page on funding after SBA rejection.
Frequently Asked Questions
Yes. Texas-based U visa holders with an active business and at least 6 months of revenue qualify for Bankable's revenue-based funding. No green card or SBA guarantee required.
Yes. We fund businesses in McAllen, Laredo, Brownsville, Harlingen, and all Rio Grande Valley cities. Agricultural services, food distribution, and retail are common in this region.
3 months of business bank statements, your EAD card, your EIN, and your I-918 receipt notice or U visa stamp. No tax returns required for advances under $150K.
Most Texas applicants receive a decision within 24-48 hours and funding within 3-5 business days via ACH.
Yes. We require $10,000 in average monthly revenue over the past 3 months.
Yes. Deferred action + EAD is sufficient. You do not need the actual U visa grant.
Yes. Owner-operators and small fleets with DOT authority and active loads are strong candidates. We evaluate freight revenue just like any other business revenue.
Bankable funds up to $750K for established Texas businesses. Amounts above $250K typically require 12+ months of revenue history and business tax returns.