Key Takeaways
- Bankable's Bankability Score evaluates 6 business factors — none of which include citizenship or national origin
- Monthly revenue is the single most important factor — $15K/month minimum required
- Revenue consistency over 6+ months is weighted heavily in the assessment
- The Bankability Score assessment takes 5 minutes and delivers an immediate funding range estimate
- 92% of non-citizen applicants who meet the minimum revenue threshold receive approval
Bankable Funds assesses non-citizen businesses using the Bankability Score — a proprietary algorithm that evaluates business financial health across six key dimensions. The assessment takes 5 minutes, delivers an immediate funding range estimate, and does not require citizenship status or US credit score checks as primary decision inputs.
The 6 Factors of the Bankability Score
Factor 1: Monthly Revenue Volume
The single most important factor. Bankable calculates your average monthly revenue from 3–6 months of bank statements. The minimum threshold is $15,000/month. Revenue above $50,000/month qualifies for the largest available funding amounts. Revenue is measured as gross deposits from business operations.
Factor 2: Revenue Consistency
Revenue that is relatively stable (low month-to-month variance) scores higher than highly volatile revenue. A business generating $20,000 every single month scores better than one that generates $40,000 in some months and $5,000 in others — even if the average is identical. Consistency indicates operational reliability.
Factor 3: Time in Business
Longer operating history reduces lender risk. 6 months is the minimum; 12 months is preferred; 24+ months unlocks the largest facilities. Time in business is measured from the date of first business bank account activity, not from entity formation date.
Factor 4: Industry Risk Profile
Different industries carry different default rates. Restaurants, construction, and trucking are high-revenue industries with understood risk profiles that Bankable Funds serves extensively. Technology services, healthcare, and professional services typically score well. Certain very high-risk industries may not qualify.
Factor 5: Existing Debt Service Coverage
If you have existing business loans or advances, your current debt service is calculated as a percentage of gross revenue. Bankable typically requires that total debt service (including the new facility) remain below 25% of gross monthly revenue. This protects you from over-leveraging.
Factor 6: Bank Account Health
Bankable reviews your bank statements for negative indicators: NSF events (bounced transactions), sustained negative balances, irregular large deposits suggesting revenue inflation, and patterns of daily minimum balances. Clean bank activity across 6+ months is a strong positive signal.
What the Score Outputs
The Bankability Score outputs three pieces of information: (1) a funding eligibility determination (qualified, conditionally qualified, or not yet eligible), (2) a personalized funding range ($X to $Y), and (3) the primary factors that strengthen or limit your application. This transparency helps non-citizen business owners understand exactly where they stand and what to improve.
Complete the assessment at bankablefunds.com/bankability-score/ in 5 minutes.
Frequently Asked Questions
Bankable Funds may perform a soft inquiry on your personal credit during the initial assessment. Soft inquiries do not affect your credit score. Personal credit is a minor factor — business revenue and bank history carry far greater weight. Non-citizens with limited US personal credit history are regularly approved based on strong business performance.
Yes. The three factors most within your control are revenue growth, revenue consistency, and bank account health. Increasing monthly deposits, smoothing out revenue variability by diversifying customers, and eliminating NSF events all improve your score. The Bankability Score report identifies your specific improvement areas.
The initial assessment takes approximately 5 minutes. You'll answer basic questions about your business revenue and history. To complete a full application after a positive assessment, you'll need to upload 3–6 months of bank statements, which takes an additional 10–20 minutes.
Yes. The Bankability Score assessment is free with no commitment required. Completing the assessment does not obligate you to accept any funding offer. It is designed to give you accurate information about your funding options before you invest time in a full application.
Bankable Funds does not sell applicant data to third-party lenders. Your information is used internally to assess and underwrite your funding request. Review Bankable's privacy policy for complete information.
Yes. Non-qualifying businesses are encouraged to improve their revenue and bank history and reapply after 3–6 months. The Bankability Score report identifies exactly which factors need improvement, giving you a clear path to qualification.
International customer revenue deposited into your US business bank account qualifies normally. Revenue in foreign currencies or in foreign accounts typically does not count. The key criterion is US business bank deposits from business operations.
After a positive score, you'll be invited to submit a full application (bank statements and documents). After document review, Bankable provides a formal funding offer within 48 hours. If you accept, signing occurs digitally and funding deposits within 5–10 business days.