Key Takeaways
- Bankable provides revolving business credit lines from $25K to $250K for U visa holders
- Traditional bank business lines of credit require permanent residency — Bankable does not
- Draw what you need, repay from revenue, draw again — revolving structure
- Decisions within 48 hours; draws process within 24-48 hours once the line is established
- Best for businesses with variable monthly capital needs throughout the year
A business line of credit is the most flexible form of business capital available — and for U visa holders, it is one of the most underutilized because traditional bank credit lines are universally unavailable after the March 2026 SBA rule change. Bankable's revenue-based credit line provides the same core functionality — draw when you need capital, repay from incoming revenue, draw again — through private capital that has no citizenship or residency requirement.
How Bankable's Business Line of Credit Works
Once you are approved for a Bankable credit line:
- You receive a credit limit based on your documented monthly revenue (typically 1-2x average monthly revenue)
- You can draw from the line via the Bankable portal — minimum draw of $5,000
- Funds arrive in your business account within 24-48 hours of a draw request
- Repayment is a daily percentage of your revenue, applied to the outstanding balance
- As the balance decreases, your available credit replenishes
- You can draw again once available credit is restored
Business Line of Credit vs. Lump-Sum Advance
| Feature | Lump-Sum Advance | Credit Line |
|---|---|---|
| Disbursement | All at once | As needed, up to limit |
| Repayment | % of daily revenue until repaid | % of daily revenue on outstanding balance |
| Reuse | New application needed | Revolves as balance decreases |
| Best for | Specific one-time capital need | Ongoing, variable cash flow management |
| Cost | Factor rate applied at advance | Factor applied to each draw |
Ideal Uses for a U Visa Business Credit Line
- Covering payroll in weeks where revenue arrives late
- Purchasing supplies before a large job before payment is received
- Managing seasonal cash flow without taking a fixed advance
- Bridging the 30-60 day gap between invoicing and payment from commercial clients
- Funding unexpected expenses without depleting operating reserves
Apply at Bankable's Bankability Score. Also see our use-case page on working capital lines for U visa businesses.
Frequently Asked Questions
A line of credit is revolving — you draw, repay, and draw again. An MCA is a one-time advance with a fixed total repayment. Lines are better for ongoing, variable needs; MCAs are better for specific capital projects.
$250,000. The limit is based on your documented monthly revenue — typically 1-2x your average monthly revenue.
Once your line is established, draws are processed within 24-48 hours via the Bankable portal. Subsequent draws are faster than the initial establishment.
Bankable charges a one-time establishment fee for credit lines. This is disclosed in your offer letter before you sign any agreement.
Yes. Payroll is one of the most common uses of a business credit line. Bankable capital can be used for any legitimate business operating expense.
$15,000 average monthly revenue over the past 6 months. Credit lines require slightly more revenue history than lump-sum advances.
Outstanding credit line balances show in your bank statements as outflows. When applying for additional financing, lenders will see these outflows and evaluate whether your revenue supports additional repayment obligations.
Bankable credit lines are reviewed annually. If your revenue remains strong and repayment history is clean, your line is renewed. Lines can be increased at renewal based on revenue growth.