Key Takeaways
- Bankable's maximum for U visa businesses is $750K — reserved for businesses with 12+ months of strong revenue
- Most U visa businesses qualify for $25K to $150K based on 3-6 months of revenue
- Larger advances require proportionally more revenue history and documentation
- Tax returns are required for advances above $150K
- No green card required at any funding tier
One of the most common questions U visa business owners ask is: "How much can I actually borrow?" The answer depends on your business's revenue history, time in business, and documentation level. This page gives you precise, tier-by-tier information so you know exactly what to expect before you apply.
Funding Tiers by Revenue and History
| Tier | Amount Range | Min. Revenue | Min. History | Required Documents |
|---|---|---|---|---|
| Starter | $10K – $50K | $10K/month avg | 3 months | EAD, EIN, 3 months bank statements |
| Growth | $50K – $150K | $20K/month avg | 6 months | EAD, EIN, 6 months bank statements |
| Expansion | $150K – $350K | $40K/month avg | 12 months | EAD, EIN, 12 months statements, tax returns |
| Enterprise | $350K – $750K | $75K/month avg | 18+ months | EAD, EIN, 24 months statements, 2 years tax returns |
General Rules for Maximum Loan Amounts
- Maximum advance is typically 2x your average monthly revenue for the Starter and Growth tiers
- For Expansion and Enterprise tiers, maximum is 3-4x average monthly revenue based on revenue stability
- Businesses with multiple revenue streams or long-term contracts can qualify for larger multiples
- Multiple simultaneous advances are possible if combined repayment does not exceed 20% of daily revenue
How to Maximize Your Loan Amount
- Build revenue history: Every month of documented revenue above your minimum can increase your qualifying amount
- Separate business and personal banking: Mixed accounts reduce your qualifying revenue; clean business accounts maximize it
- Accept card payments: Credit card revenue is easy to document and verify; cash-only businesses have limited documentation
- File business tax returns: Tax returns unlock the higher tiers — a business that files is a business that can scale its borrowing
- Repay on time: Existing Bankable clients with strong repayment history qualify for larger advances in subsequent rounds
Apply at Bankable's Bankability Score to get a personalized estimate of your qualifying amount.
Frequently Asked Questions
$750,000 for businesses with 18+ months of revenue history and monthly revenue above $75,000.
$10,000. Advances below this amount are generally not cost-effective for either the business or Bankable.
No. The amount you qualify for is based entirely on your business revenue. Whether you have a U visa, deferred action, or TPS status does not affect your maximum qualifying amount.
Yes. Once you have repaid 50% or more of your advance, you can apply for an additional advance — sometimes while the first is still being repaid.
Bankable's maximum is $750K. For larger capital needs, we can refer you to commercial lenders who serve non-citizen business owners for amounts above $750K, though options are more limited.
Bankable is primarily revenue-based, not credit-score-based. However, a stronger credit score may positively influence the factor rate offered, and very poor credit (below 500 FICO) may affect approval at higher tiers.
Typically 18+ months of documented revenue above $75K/month, combined with filed business tax returns for 2 years. For businesses already at this level, it is immediate.
Yes, but only if you already have the qualifying revenue history. Most first-time applicants qualify in the Starter or Growth tier and move to higher tiers after demonstrating repayment history.