Key Takeaways
- Emergency working capital is available to VAWA petitioners within 3–5 business days of approval
- Equipment failure, landlord disputes, supplier emergencies, and unexpected opportunities all qualify
- No green card required — EAD and existing revenue documentation sufficient for fast approval
- Bankable does not require lengthy applications for existing clients — repeat funding is streamlined
- Revenue-based repayment begins after funding — no payment until your business starts recovering
Business emergencies do not wait for a green card. A restaurant compressor fails on a Friday night before a wedding weekend. A trucking company's vehicle is impounded for an unpaid toll violation. A cleaning company's commercial vacuum fleet is destroyed in a facility fire. A retailer's inventory is delayed by a shipping disruption with a critical deadline approaching. These are not hypothetical — they are the real emergency capital calls that Bankable receives every week from VAWA self-petitioner business owners.
Bankable can issue an approval decision within 48 hours and fund within 3–5 business days. For businesses that have previously borrowed from Bankable, re-funding can happen even faster through streamlined review of updated bank statements.
Emergency Scenarios Bankable Funds
- Critical equipment failure requiring immediate replacement to keep operating
- Rent arrears threatening eviction from commercial location
- Supplier demanding upfront payment to release critical inventory
- Insurance lapse creating immediate liability exposure
- Vehicle breakdown preventing service delivery
- Unexpected tax bill or government compliance cost
- Emergency opportunity (a large contract requiring immediate capacity expansion)
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 via ACH. We cannot fund same-day, but 3–5 business days is among the fastest in private small business lending.
The same documentation as any Bankable application: your EAD, business EIN, and 4 months of bank statements. For emergency applications, we prioritize review and may accept partial documentation initially while you gather the remainder.
Yes. Existing Bankable clients can apply for additional or repeat funding. We update our file with your most recent bank statements. Repeat clients with good repayment histories often receive faster decisions.
If you experience a documented business hardship (natural disaster, serious illness, regional economic disruption) during a Bankable repayment period, contact us immediately. We work with clients on a case-by-case basis to restructure repayment. We do not offer automatic deferral programs but handle hardship situations humanely.
General cash flow emergencies — insufficient liquidity to cover the next two weeks of operations — are treated the same as specific expense emergencies. We advance against your documented monthly revenue regardless of the specific payees you need to cover.