Key Takeaways
- Bankable provides revolving working capital lines from $25K to $250K for U visa businesses
- Draw only what you need, repay as revenue comes in, draw again
- No green card required — your EAD and revenue history are sufficient
- SBA business lines of credit are blocked for U visa holders — Bankable is the private alternative
- Working capital lines are ideal for businesses with variable monthly cash flow needs
A working capital line is a revolving credit facility — think of it as a business credit card without the plastic. You have a credit limit, you draw what you need when you need it, you repay from incoming revenue, and the available credit replenishes as you repay. This structure is ideal for businesses with variable monthly capital needs: a landscaper who needs $20K for equipment repairs in March but only $5K in December, or a caterer who needs $40K to fund a large event in October but nothing in July.
Traditional banks offer business lines of credit — but U visa holders are excluded by bank underwriting standards and, now, by the SBA guarantee rules that back most small business lines. Bankable provides a private working capital line based entirely on your business revenue.
How Bankable's Working Capital Line Works
- Apply once: Submit 6 months of bank statements, your EAD, and EIN
- Receive your line: We establish your credit limit (typically 1-2x average monthly revenue)
- Draw as needed: Request draws via our online portal — funds arrive in 24-48 hours
- Repay from revenue: Daily or weekly repayment as a percentage of revenue
- Revolves automatically: As you repay, your available credit replenishes
Best Uses for a Working Capital Line
- Covering payroll during slow weeks without a fixed loan payment
- Purchasing supplies and materials before a large job
- Bridging the gap between invoicing and payment receipt
- Maintaining inventory levels through seasonal demand shifts
- Handling unexpected expenses without depleting operating reserves
Apply at Bankable's Bankability Score. See our SBA 7(a) overview for context on why traditional lines are blocked for U visa holders.
Frequently Asked Questions
A line is revolving — you draw, repay, and draw again up to your credit limit. A lump-sum advance is a one-time disbursement with a fixed repayment schedule. Lines are better for ongoing, variable needs; advances are better for specific capital projects.
Typically 1-2x your average monthly revenue. For a business averaging $50K/month, a $50K-$100K line is standard.
Once your line is established, draws process in 24-48 hours via the Bankable portal.
Yes. Minimum draws are typically $5,000 to justify the processing overhead.
A percentage of daily revenue applied to outstanding draws. As the balance decreases, available credit increases.
Yes. Working capital lines are unrestricted — payroll, inventory, equipment, marketing, lease payments, or any other business operating expense.
Revenue-based repayment means your daily payments shrink automatically if revenue slows. You will not face a fixed monthly payment during a slow period.
6 months of business bank statements, your EAD, and EIN. Larger lines above $150K require 12 months of statements.