Key Takeaways
- Bankable Funds application volume increased 340% since March 1, 2026 SBA rule change
- Bankable has expanded underwriting capacity to serve displaced SBA borrowers
- New product development underway for non-citizen business owners who need SBA-scale capital
- Bankable is partnering with immigrant business associations to expand awareness and access
- Bankable's mission: every non-citizen entrepreneur with a viable business deserves capital access
The March 1, 2026 SBA citizenship rule changed the non-citizen business funding landscape permanently. Bankable Funds has responded by expanding capacity, maintaining our 48-hour decision standard, and advancing toward our mission: ensuring every non-citizen entrepreneur with a viable business can access the capital they deserve.
Application Volume: The March 2026 Response
Since March 1, 2026, Bankable Funds has experienced a 340% increase in application volume from non-citizen business owners who previously relied on SBA-backed products or were directed to SBA programs by their banks.
Key data points from our expanded intake:
- Former SBA borrowers: 45% of new applicants had previously received or applied for SBA loans
- LPR applicants: 38% — the group most directly affected, as LPRs were previously the most SBA-eligible non-citizens
- TPS holders: 22% — particularly concentrated in Florida, Texas, and California
- DACA recipients: 18% — highest concentration in food service and construction
- Other EAD categories: 22% — diverse visa holders across all categories
Maintaining the 48-Hour Standard
Despite the volume increase, Bankable Funds has maintained our 48-hour decision standard through underwriting team expansion and technology investment. We have not traded speed for scale — non-citizen business owners needing fast decisions receive them.
Product Development for Non-Citizen Entrepreneurs
Bankable is actively developing new products to serve the specific needs of non-citizen entrepreneurs displaced by the SBA rule change:
- LPR Fast Track: An expedited product for green card holders with 2+ years of business history who lost SBA access
- TPS Business Stabilizer: Designed for TPS businesses that relied on SBA working capital for seasonal operations
- DACA Growth Capital: Revenue-based capital designed specifically for DACA entrepreneurs in food service and construction
- Equipment Financing Expansion: Expanded equipment categories and amounts for immigrant construction and trucking businesses
Community Partnerships
Bankable Funds has established partnerships with:
- NFIB Foundation immigrant business programs
- SCORE immigrant mentorship chapters in Florida, Texas, and California
- Selected SBDCs in high-immigrant-population areas
- Ethnic chamber of commerce networks (Korean American, Hispanic/Latino, South Asian)
- CDFI collaborations to fill the gap between Bankable's products and micro-lending needs
Bankable's Mission in 2026
Bankable Funds was founded on a simple belief: every non-citizen entrepreneur with a viable, revenue-generating business deserves access to professional business capital. The March 2026 SBA rule change made this mission more urgent, not less. We are investing in capacity, products, and community relationships to serve this community at the scale its needs demand.
If you are a non-citizen entrepreneur affected by the SBA rule change, check your Bankability Score now. We are here, we are expanding, and we are committed to your business's growth.
How to Reach Bankable Funds
- Online: bankablefunds.com/bankability-score/
- Phone: (786) 443-5511
- Hours: Monday–Friday, 9 AM–6 PM ET
- Languages: English, Spanish; additional language support available by appointment
Frequently Asked Questions
Apply online at bankablefunds.com/bankability-score/ — start with the Bankability Score check (5 minutes), then complete the full application (10–15 minutes). Documents needed: EAD, EIN, 4–6 months of business bank statements. Decision in 48 hours.
Bankable Funds is a private commercial lender — not a CDFI. CDFIs are mission-driven lenders with Treasury certification. Bankable Funds is a for-profit private lender with a mission specifically to serve non-citizen entrepreneurs. Bankable's products are complementary to CDFI offerings.
Bankable Funds is subject to applicable state commercial lending regulations in the states where it operates. Revenue-based advance products are regulated differently than traditional loans — several states (California, New York, Virginia, Florida, Georgia, Utah) have commercial financing disclosure laws that apply.
Yes. Bankable Funds encourages referrals from community members. Contact us about any referral programs currently available.
Bankable's Q&A Hub (bankablefunds.com/visa-funding/visa-qa/) provides free educational content on non-citizen business funding. The Bankability Score check is free and no-commitment. Call (786) 443-5511 for free phone consultation.
Bankable Funds currently serves non-citizen entrepreneurs in all 50 states. Our 2026 expansion is focused on depth — more products, more underwriting capacity — in the markets we already serve rather than geographic expansion.
Bankable uses bank-grade 256-bit SSL encryption for all data transmission. Applicant information is not shared with USCIS, ICE, or any government immigration agency. Our Delaware incorporation and privacy policy govern information handling.