Key Takeaways
- Non-citizen businesses can access $25,000 to $750,000 through Bankable Funds revenue-based funding
- The general formula: 1.5x to 3x your average monthly gross revenue determines your maximum
- Higher revenue consistency and longer operating history increase the multiplier toward 3x
- There is no citizenship-based cap — a non-citizen business generating $300K/month can access $750K
- Check your Bankability Score for your exact personalized borrowing range in 5 minutes
Non-citizen businesses can borrow between $25,000 and $750,000 through Bankable Funds' revenue-based funding. The amount is not limited by citizenship status — it is determined entirely by your business's monthly revenue and operating history. Here is how lenders calculate your maximum borrowing capacity.
The Revenue-Based Borrowing Formula
Most revenue-based lenders use a multiplier of your average monthly gross revenue to determine the maximum funding amount. Bankable Funds typically offers:
- 1.5x monthly revenue for businesses with 6–11 months of history
- 2x monthly revenue for businesses with 12–23 months of history and consistent revenue
- 2.5x monthly revenue for businesses with 24+ months and strong revenue growth
- 3x monthly revenue for top-tier businesses with exceptional revenue and history
Borrowing Capacity by Revenue Level
| Monthly Revenue | 6–12 Months History | 12–24 Months History | 24+ Months History |
|---|---|---|---|
| $15,000 | $22,500 | $30,000 | $37,500 |
| $30,000 | $45,000 | $60,000 | $75,000 |
| $50,000 | $75,000 | $100,000 | $125,000 |
| $100,000 | $150,000 | $200,000 | $300,000 |
| $200,000 | $300,000 | $400,000 | $600,000 |
| $250,000+ | $375,000 | $500,000 | $750,000 |
Note: These are estimates. Actual approved amounts may vary based on revenue consistency, existing debt, and industry. Complete the Bankability Score for your precise range.
Factors That Increase Your Borrowing Limit
- Revenue growth trend (growing revenue unlocks higher multipliers)
- Zero NSF events in bank statements
- Low existing debt service relative to revenue
- Industry with lower historical default rates
- Multiple years of consistent bank deposits
Factors That Decrease Your Borrowing Limit
- High revenue volatility (large month-to-month swings)
- Existing debt service above 15–20% of gross revenue
- Multiple NSF events in the past 6 months
- Declining revenue trend
- Industry with higher risk classification
Get your exact personalized borrowing capacity by completing the Bankability Score assessment at Bankable Funds.
Frequently Asked Questions
No. Bankable Funds does not impose a citizenship-based maximum. The $750,000 ceiling applies equally to all businesses regardless of immigration status. Large non-citizen-owned businesses with strong revenues regularly access the maximum funding level.
Bankable Funds' primary product is revenue-based funding, which does not require collateral. Having collateral does not increase the revenue-based funding limit. For collateral-backed financing (equipment loans, commercial real estate), different products with potentially higher limits exist — ask about these at application.
Existing loan payments reduce your net available cash flow, which directly affects your borrowing capacity. If your business generates $100,000/month but already has $20,000/month in loan payments, your effective qualifying revenue for additional funding purposes is closer to $80,000. Bankable Funds calculates a debt-adjusted revenue figure.
You can apply for whatever amount your business qualifies for based on the revenue calculation. However, applying for significantly more than the formula supports may result in a counter-offer at a lower amount. The Bankability Score assessment gives you an accurate estimate before you apply.
Seasonal spikes are typically smoothed into an annual average. If your business generates $300,000 in December but $20,000 in other months, your qualifying revenue is closer to the annual average than the peak. Bankable Funds may structure seasonal facilities that align with your peak revenue periods.
Some businesses stack multiple funding facilities — for example, equipment financing plus revenue-based funding — to access more total capital. Stacking is subject to total debt service limits (total payments should not exceed 25% of gross revenue). Consult Bankable Funds about multi-product strategies for large capital needs.
The minimum advance through Bankable Funds is $25,000. Amounts below this are typically served by microfinance programs, SBA microloans (no longer available to non-citizens), or credit cards. For businesses needing under $25,000, community development organizations and microfinance lenders may be better alternatives.
Absolutely. Revenue growth is the most direct path to a higher funding limit. A business that grows from $30,000/month to $60,000/month doubles its qualifying revenue, potentially doubling its available funding. This creates a virtuous cycle: capital enables growth, growth increases capital access.