Key Takeaways
- A revolving working capital line allows you to draw, repay, and draw again — unlike a one-time advance
- Credit lines are ideal for businesses with recurring but unpredictable capital needs
- VAWA petitioners with 6+ months of business history qualify for revolving lines
- No green card required — EAD and consistent revenue documentation sufficient
- Interest accrues only on amounts drawn, not on the full credit line
A working capital line of credit is the most flexible financing tool for VAWA-owned businesses with ongoing capital needs. Unlike a one-time term loan where you borrow a fixed amount and repay over a fixed schedule, a credit line is revolving: you draw what you need, repay it, and the availability restores for future draws. It is the business equivalent of a financial cushion — available when you need it, costing nothing when you do not.
The most common users of working capital lines among VAWA clients are businesses with cyclical cash needs: retailers who need inventory capital monthly, service businesses that front material costs on each new job, professional services firms that manage vendor payments while awaiting client payment. A revolving line transforms cash flow management from a monthly crisis into a permanent infrastructure.
How a Working Capital Line Works
- Bankable approves a maximum credit line of $25,000–$250,000 based on your revenue
- You draw the amount you need, when you need it, via ACH to your business account
- You pay interest only on the drawn balance, not the full line
- As you repay, availability restores and you can draw again
- No need to reapply for each draw — the line is available on demand
Business Line of Credit
Revolving credit from $25K to $250K for ongoing operational needs.
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.
A term loan is a one-time lump sum repaid over a fixed schedule. A revolving line is reusable — you draw, repay, and draw again within the credit limit. Lines are better for recurring, variable capital needs. Term loans are better for one-time, fixed-amount needs.
Initial line approval takes 48 hours. Once approved, individual draws can be processed within 1–2 business days. Some clients can draw within the same business day after the line is established.
Approximately $35,000–$50,000 in consistent monthly revenue over 6+ months supports a $100,000 revolving line. Higher revenue and longer business history support larger line amounts.
Yes. Responsible use and repayment of a Bankable working capital line is reported to business credit bureaus. This builds your business credit profile over time, opening access to lower-cost and larger credit facilities in the future.
Yes. We perform periodic credit line reviews for businesses with active lines. As your revenue grows and your repayment history with Bankable strengthens, we proactively offer line increases. Many clients start at $25,000 and grow to $150,000+ over 24 months.