Key Takeaways
- Cash flow bridge financing covers operational expenses while waiting for invoice payments or contract revenue
- Bridging is one of the most common uses of working capital for VAWA-owned businesses
- Payroll, rent, vendor payments, and utilities can all be covered with bridge capital
- No green card required — EAD and documented incoming receivables sufficient
- Revenue-based repayment automatically decreases when cash flow improves
Cash flow gaps are not failures of business management — they are structural features of how businesses operate. You deliver services in Month 1. You invoice in Month 1. Your client pays in Month 3. Meanwhile, payroll is due every two weeks, rent is due on the first, and your supplier wants payment on delivery. The business is profitable — but the timing is a problem. Bankable solves timing problems.
For VAWA self-petitioners, cash flow gaps are particularly stressful because the safety net options available to citizens — home equity lines, family loans, retirement account access — are often unavailable or insufficient. Bankable provides the institutional bridge capital that gives VAWA-owned businesses the same cash flow tools that US-born entrepreneurs take for granted.
Common Cash Flow Gap Scenarios
- A cleaning company has $40,000 in outstanding invoices from commercial clients on net-30 terms, but payroll is due Friday
- A restaurant had three slow weeks due to weather but rent is due and the landlord will not wait
- A construction company completed a $75,000 project but the GC processes payment in 60 days
- A trucking company has $30,000 in broker invoices pending but fuel costs cannot wait
- A consulting firm finished a project but the client's accounting department is on net-45 terms
Invoice Financing
Advance against outstanding invoices within 48 hours — no waiting for clients to pay.
Learn More →Business Line of Credit
Revolving credit to draw when gaps occur and repay when receivables clear.
Learn More →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.
Bankable issues decisions within 48 hours and funds within 3–5 business days. For acute cash flow emergencies, we prioritize applications with strong revenue documentation and clear incoming receivables.
Yes. Payroll is the most critical cash flow obligation and one of the most common uses of bridge capital. Never miss payroll — it damages employee trust, may violate state labor law, and creates regulatory exposure. Bridge the gap.
Invoice financing against a specific slow client's outstanding invoice is often the most efficient solution. We advance 80–85% of the invoice value, you cover payroll or rent, and when the client pays, the advance is repaid automatically.
Bridge financing can be used as often as needed, subject to your overall credit line and repayment history. Many businesses use revolving credit lines that refresh as balances are repaid, providing permanent cash flow smoothing infrastructure.
Merchant cash advances (MCAs) are purchases of future receivables, often with very high effective APRs. Bankable's bridge financing is a structured loan or credit line with transparent terms and reasonable factor rates. We are not an MCA provider.