Key Takeaways
- Revenue-based financing is the most accessible and flexible option for most VAWA businesses
- Equipment financing offers lower rates when a specific asset purchase is the need
- Working capital lines provide the most flexible ongoing access for businesses with recurring needs
- SBA loans are unavailable; most bank products require a green card in practice
- The best option depends on your specific need, revenue level, and business type
The funding landscape for VAWA self-petitioners in 2026 has narrowed in the government-backed sector (SBA eliminated) but remains robust in private markets. Understanding which product is best for your specific situation is the key to getting the right capital at the right cost.
Product Comparison Matrix
| Product | Best For | Amount | Speed | Collateral |
|---|---|---|---|---|
| Revenue-Based Financing | General working capital, growth | $25K–$500K | 48hr decision | Business lien only |
| Equipment Financing | Specific asset purchase | $10K–$500K | 48hr decision | Equipment as collateral |
| Working Capital Line | Recurring, variable needs | $25K–$250K | 48hr decision | Business lien only |
| Invoice Financing | Outstanding A/R, slow clients | Up to 85% A/R | 24–48hr | Invoices as collateral |
| Inventory Financing | Product-based businesses | $15K–$300K | 48hr decision | Inventory as collateral |
| PO Financing | Confirmed buyer orders | Up to 80% PO | 48–72hr | PO as collateral |
Which Option Is Right for You?
- You need general growth capital: Revenue-based financing is your best option
- You are buying a specific piece of equipment: Equipment financing at lower rates
- You have recurring, unpredictable needs: Working capital line of credit
- Your clients pay slowly (net-30 to net-90): Invoice financing
- You are a retailer or manufacturer: Inventory financing
- You have a confirmed large order: Purchase order financing
Frequently Asked Questions
No. Bankable does not require a green card, US citizenship, or permanent residency. A valid Employment Authorization Document (EAD), business EIN, and 4 months of documented business revenue are the primary requirements.
Bankable issues funding decisions within 48 hours of a complete application. Funds reach your business bank account within 3 to 7 business days of approval.
No. Business financing is a lawful commercial activity. Bankable does not report to USCIS or any immigration agency. Your petition and your business financing are entirely separate matters.
Equipment financing typically carries the lowest effective cost because the asset serves as collateral, reducing lender risk. Revenue-based financing and working capital lines have higher factor rates that reflect the unsecured nature of the advance. The 'lowest cost' option depends on your specific need and asset availability.
Yes. Many Bankable clients use more than one product simultaneously — for example, equipment financing for a specific vehicle purchase alongside a working capital line for operations. Qualifying for multiple products depends on your total revenue relative to total repayment obligations.
If your revenue is below the minimum threshold or your business is too new for RBF, equipment financing is often the next most accessible option because the asset reduces qualification requirements. Invoice financing requires outstanding invoices but has lower revenue minimums.
Choose RBF if you need a large lump sum for a specific purpose (expansion, hiring, inventory). Choose a working capital line if you have recurring but variable needs and want the flexibility to draw and repay multiple times without reapplying.
No product is exclusively designated for VAWA petitioners. Bankable's standard products are accessible to VAWA petitioners because we have removed citizenship and immigration status as underwriting criteria. The products themselves are the same — the access policy is what differs.