Key Takeaways
- Bankable Funds delivers funding decisions within 48 hours of a complete application
- Funds are deposited within 5–10 business days of approval
- The fastest possible timeline is 3–5 business days from application to funded account
- SBA loans took 30–90 days; traditional bank loans take weeks — private funding is 10–20x faster
- Preparation speeds the process: have 6 months of bank statements, EIN, and ID ready before applying
A non-citizen can get business funding in as little as 48–72 hours from initial application to approval decision through Bankable Funds. This timeline is 10–20 times faster than the SBA loan process (30–90 days) and far exceeds traditional bank loan timelines (typically 2–6 weeks). Here is a complete breakdown of the funding timeline.
The Complete Non-Citizen Funding Timeline
| Stage | Bankable Funds | Traditional Bank | SBA Loan (pre-2026) |
|---|---|---|---|
| Application Submission | 30 minutes | 1–2 hours | 4–8 hours |
| Document Review | 2–4 hours | 3–7 business days | 1–2 weeks |
| Credit/Revenue Analysis | Same day | 1–2 weeks | 2–4 weeks |
| Decision | 48 hours | 1–4 weeks | 30–90 days |
| Document Signing | Same day (digital) | 1–3 business days | 1–2 weeks |
| Funds Deposited | 5–10 business days | 3–10 business days | 5–10 business days (after approval) |
| Total Timeline | 5–12 business days | 3–8 weeks | 45–120 days |
What Slows Down the Process
- Incomplete documents — Missing bank statements or ID documents are the #1 cause of delay
- Commingled personal/business finances — Makes revenue analysis harder and slower
- Document translation needs — Foreign-language documents may require certified translation
- Expired immigration documents — May require additional verification
- Multiple follow-up questions — Unclear revenue sources require clarification
How to Get Funded in the Fastest Possible Time
To achieve the fastest possible timeline, prepare these documents before starting your application: 6 months of business bank statements (PDF format), your EIN confirmation letter from the IRS, LLC Operating Agreement or Articles of Incorporation, valid government-issued photo ID, and current immigration document (visa, EAD, or I-94).
Start with the Bankability Score assessment to confirm eligibility before submitting your full application. This 5-minute step prevents wasted time on applications that don't meet minimum revenue requirements.
Frequently Asked Questions
True same-day funding (application and deposit on the same calendar day) is not typically available for amounts above $25,000 due to document review requirements. However, emergency same-day processing may be available for smaller advances in certain circumstances — call (786) 443-5511 to discuss.
6 months minimum at Bankable Funds. This means 6 months of deposits flowing through a dedicated business bank account. Very new businesses (under 6 months) are not eligible for most private funding products.
Immigration document verification adds a small step to the process but does not significantly delay funding. Bankable Funds' team is experienced with all common immigration documents and processes them efficiently. The primary timeline drivers are document completeness and revenue clarity, not immigration status.
Bankable Funds' revenue-based funding does not require collateral and is priced on business risk rather than collateral availability. Offering collateral does not typically accelerate the timeline but may open access to larger amounts or improved terms for certain loan products.
Bankable Funds commits to decisions within 48 hours for complete applications (all required documents submitted). Incomplete applications restart the review clock when documents are received. Decisions may be faster during non-peak periods.
Approved funds are deposited via ACH transfer to your business checking account. ACH transfers typically settle within 1–3 business days. Wire transfer may be available for time-sensitive situations — ask at the time of approval.
Approved amounts can sometimes be adjusted before signing. If you need less than approved, simply request the lower amount during the signing process. If you need more, the application may need to go back through review. It is better to apply for the amount you need rather than adjusting post-approval.
Yes. Bankable Funds' entire process from application to document signing can be completed digitally. No in-person visits are required. Documents are uploaded through a secure portal, and contracts are signed electronically.