Key Takeaways
- VAWA self-petitioners can borrow up to $500,000 through Bankable (higher for equipment financing)
- Your maximum loan amount is determined primarily by your monthly revenue and business history
- First-time Bankable borrowers typically qualify for 1–1.5x their monthly revenue
- Repeat borrowers with strong repayment history access larger amounts over time
- Equipment financing amounts are determined by the asset's value, not just revenue
The most common question after "Can I qualify?" is "How much can I get?" The answer depends on several factors, all of which are business-related, not immigration-related. Your maximum loan amount with Bankable is fundamentally a function of your monthly revenue, your time in business, and your repayment history with Bankable.
Maximum Amount Formula
| Factor | Effect on Maximum |
|---|---|
| Monthly Gross Revenue | Primary driver — 1x to 1.5x for first advance, 2–3x for established clients |
| Time in Business | More history supports larger advances (4 months = $25K–$50K; 24+ months = $200K+) |
| Revenue Consistency | Consistent monthly revenue supports larger advances than volatile revenue |
| Repayment History | Successful prior Bankable repayments significantly increase maximum amounts |
| Industry | Some industries (healthcare, technology contracts) support higher multiples |
| Collateral (equipment) | Equipment financing amount determined by asset value, not just revenue |
Typical Maximums by Revenue Level
| Monthly Revenue | First Advance Max | After 12 Months |
|---|---|---|
| $10,000–$15,000 | $15,000–$25,000 | $50,000–$75,000 |
| $15,000–$30,000 | $25,000–$50,000 | $75,000–$150,000 |
| $30,000–$50,000 | $50,000–$100,000 | $150,000–$250,000 |
| $50,000–$100,000 | $75,000–$150,000 | $250,000–$400,000 |
| $100,000+ | $150,000–$250,000 | $400,000–$500,000+ |
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's standard programs go up to $500,000. For larger amounts, we work with referral partners who also serve work-authorized entrepreneurs. Contact Bankable directly to discuss amounts above $500,000.
After successfully repaying your first Bankable advance, you become eligible for a second advance — typically 30–50% larger than the first. With 12 months of Bankable repayment history and growing revenue, many clients see their maximum quadruple from their initial advance.
Yes. Your total Bankable exposure is considered when evaluating new advance amounts. If you have $50,000 in an active revenue-based advance and apply for an additional $30,000 working capital line, we evaluate whether your revenue supports $80,000 in total outstanding obligations.
Equipment financing amounts are determined by the asset's value rather than revenue alone. Providing real estate collateral can also support larger unsecured-equivalent advances, but we do not require real estate for standard amounts under $150,000.
As your revenue grows, your maximum advance amount grows proportionally. We perform periodic account reviews and proactively offer larger lines to clients with strong revenue growth and repayment histories. You do not need to wait to reapply — we reach out when we identify an opportunity to serve your business better.