Key Takeaways
- Bankable provides cash flow bridge advances from $10K to $250K in as little as 72 hours
- Bridges payroll deadlines, rent due dates, supplier payments, and tax obligations
- No green card required — your revenue history and EAD are sufficient
- Revenue-based repayment — payments flex as your cash flow recovers
- Available even during temporary revenue slowdowns if baseline revenue is documented
Cash flow gaps are the leading cause of small business failure — including businesses that are fundamentally profitable. A 45-day receivable from a corporate client, a slow January after a strong holiday season, or a customer who pays late can create a crisis in a business that otherwise has strong annual revenue. For U visa holders, the safety nets available to other business owners — business lines of credit, SBA emergency loans, bank overdraft facilities — are largely unavailable. Bankable provides the bridge.
Common Cash Flow Gap Scenarios
- Receivables timing: You invoiced $80K last month but it hasn't cleared — payroll is due in 3 days
- Seasonal slowdown: January-February are slow for your restaurant; March is peak — you need to bridge the valley
- Late-paying customer: Your biggest commercial cleaning client pays net-60; your supplier wants net-30
- Tax payment: Quarterly estimated taxes are due and the timing conflicts with a large supplier payment
- Unexpected expense: Equipment repair, insurance increase, or a lease renewal deposit
How Cash Flow Bridge Advances Work
Bankable's cash flow bridge is structured as a short-term revenue advance:
- You apply with 3 months of bank statements showing your baseline revenue
- We issue a decision within 24-48 hours
- Funds arrive via ACH within 72 hours of approval
- Repayment begins the following business day as a small percentage of daily revenue
- Once the bridge is repaid (typically 4-12 weeks), you are eligible to reapply
Apply at Bankable's Bankability Score. Also see our guide on working capital lines for ongoing cash flow management.
Frequently Asked Questions
In urgent situations, Bankable can fund within 72 hours of receiving complete documentation. Standard processing is 24-48 hours for a decision and 3-5 days for funding.
A single slow month does not disqualify you. We evaluate 3-month average revenue. If your slow month is clearly seasonal, we often extend bridge capital based on the prior strong season.
Yes. Payroll bridge advances are a core use case. We can often fast-track applications where payroll is the stated emergency.
$10,000 average monthly revenue over the past 3 months.
We do not have a minimum FICO requirement. We evaluate business revenue, not personal credit score.
Typically 4-12 weeks depending on your revenue volume and advance size. Payments are a percentage of daily revenue, so higher-revenue days pay back faster.
For existing Bankable clients in good standing, we can sometimes stack a second advance when the first is 50%+ repaid. This is evaluated case-by-case.
3 months of business bank statements, your EAD, and EIN. For payroll emergencies, a recent payroll record helps expedite processing.