Key Takeaways
- Bankable provides emergency capital from $10K to $250K within 72 hours for U visa businesses
- Covers equipment failure, legal expenses, tax emergencies, and unexpected lease costs
- No green card required — your revenue history and EAD qualify you
- Emergency processing available — same-day decisions in qualifying situations
- Revenue-based repayment begins the next business day after funding
Business emergencies do not schedule themselves. A commercial refrigerator failure at 11 PM costs a restaurant its entire food inventory — and $15,000 in equipment replacement — before the morning rush. An IRS notice arrives demanding $30,000 in back payroll taxes with a 30-day payment deadline. A commercial landlord invokes a lease clause requiring a $25,000 deposit increase. For U visa holders, these situations are particularly acute because the emergency financing mechanisms available to other business owners — bank credit lines, SBA emergency loans, credit card overdraft — are largely inaccessible.
Bankable maintains an emergency capital track with accelerated processing for qualifying U visa businesses. If your emergency is documented and your business has 3+ months of revenue history, we can often fund within 72 hours.
Emergency Capital Use Cases
- Equipment failure: Critical equipment (cooler, oven, compressor, vehicle, machinery) breaks down and must be repaired or replaced immediately to keep the business operating
- Tax emergency: IRS or state tax notice requiring immediate payment to avoid penalties, liens, or account levy
- Legal emergency: Unexpected legal fee, judgment, or bond requirement
- Lease emergency: Surprise deposit increase, build-out requirement, or lease cure payment
- Insurance gap: Premium increase or coverage gap requiring immediate resolution to maintain a commercial contract
- Theft or vandalism: Unexpected loss of equipment, inventory, or property not immediately covered by insurance
Apply at Bankable's Bankability Score or call (786) 443-5511 directly for emergency situations. Also see our guide on cash flow bridge funding.
Frequently Asked Questions
For qualifying emergencies, Bankable can issue a decision within 24 hours and fund within 72 hours. Call (786) 443-5511 directly and indicate it is an emergency.
Equipment failure that stops business operations, an IRS levy notice with a payment deadline, a lease default notice, or any situation where delay causes direct, documented revenue loss.
No — we use the same documents as standard funding (3 months of bank statements, EAD, EIN) but process them on an expedited timeline.
Yes. If a cooler failure destroyed your inventory, Bankable can fund inventory replacement as an emergency capital advance.
Yes. $10,000 average monthly revenue over the past 3 months. For businesses with strong revenue history, we have funded emergency situations as fast as same-day.
Yes. Tax obligations are a legitimate business expense. Bankable capital can fund IRS installment agreement down payments, back tax lump sums, or state tax emergencies.
Call us. In genuine emergencies, we can sometimes work with 60 days of statements combined with business invoices or contracts as supplemental documentation.
As a percentage of daily revenue, beginning the next business day after funding. Emergency advances typically carry slightly higher factor rates than standard advances due to the expedited process.