Key Takeaways
- Bankable Funds provides revenue-based funding from $25K to $750K for non-citizen business owners
- Founded specifically to serve the funding gap created by bank and SBA exclusion of immigrant entrepreneurs
- Bankable's proprietary Bankability Score evaluates businesses on revenue, not citizenship status
- 92% approval rate for applicants who meet the minimum $15K/month revenue requirement
- Registered in Delaware; serves businesses across all 50 US states
Bankable Funds is a private revenue-based funding company serving non-citizen entrepreneurs, immigrant business owners, and visa holders who are systematically underserved by traditional banks and government loan programs. After the March 1, 2026 SBA citizenship rule eliminated government-backed options for 1.5+ million non-citizen business owners, Bankable Funds stands as the primary private capital solution for this underserved market.
What Bankable Funds Does
Bankable Funds provides revenue-based funding — a private capital product that evaluates businesses on their monthly revenue, bank history, and operational strength. There is no citizenship requirement, no collateral requirement for most facilities, and no lengthy government approval process. Funding ranges from $25,000 to $750,000, with decisions in 48 hours and funding within 5–10 business days.
The Bankable Funds Mission
Bankable's founding mission is to democratize business capital access for America's immigrant entrepreneur community. According to the National Foundation for American Policy, immigrants start businesses at 80% higher rates than US-born citizens. Yet they face 40% lower approval rates from traditional banks due to limited US credit history, non-citizen status, and unfamiliarity with the US lending system. Bankable was built to close this gap.
The Bankability Score
Bankable Funds' proprietary Bankability Score is a 5-minute assessment that evaluates your business against the criteria private lenders use — not government eligibility rules. The score covers revenue volume, consistency, industry, time in business, and existing obligations. It produces a personalized funding range and connects you with the right product for your business stage.
Products and Services
- Revenue-based funding — $25K to $750K, repaid as a percentage of daily revenue
- Tranche-based funding — Phased disbursements for businesses with staged capital needs
- Business lines of credit — Revolving facilities for ongoing operational needs
- Equipment financing referrals — Asset-backed financing for major equipment purchases
- Bankability consulting — Pre-application advisory to improve funding readiness
Who Bankable Funds Serves
Bankable serves businesses across all 50 states in every industry. Primary client segments include: restaurant owners, construction contractors, trucking operators, retail businesses, e-commerce companies, and professional services firms — all owned by non-citizen entrepreneurs across visa categories including H-1B, E-2, TPS, DACA, LPR, O-1, TN, and asylum/refugee status.
Frequently Asked Questions
Traditional banks use citizenship, personal credit scores, US credit history, and collateral as primary lending criteria. Bankable Funds uses business revenue and bank history. This means non-citizens who have been in the US for even 6 months and built a revenue-generating business can qualify, even with limited personal credit history.
Bankable Capital LLC is registered in Delaware and operates as an independent funding company. Revenue-based funding is structured differently from traditional loans in many states. Bankable complies with all applicable federal and state lending regulations. Consult the terms and conditions for state-specific regulatory information.
Bankable serves businesses in virtually all industries including restaurants, construction, trucking, retail, e-commerce, healthcare, professional services, manufacturing, and more. Certain high-risk industries (cannabis, weapons, adult entertainment) may not be eligible. Industry-specific Bankability assessments are available on the website.
Bankable Funds may perform a soft credit inquiry during the initial assessment, which does not affect your credit score. Business revenue and bank history carry far greater weight than personal credit scores in Bankable's funding decisions. Non-citizens with limited US credit history are regularly approved based on strong business performance.
Bankable earns income through factor rates applied to revenue-based funding transactions. The factor rate is the difference between the amount funded and the total repayment amount. All factor rates are disclosed upfront before you sign any agreement. There are no hidden fees.
Yes. Existing debt is one factor in the Bankability Score assessment, but it is not disqualifying. The key metric is your debt service coverage ratio — whether your revenue can service existing obligations plus the new facility. Many businesses carry multiple funding arrangements simultaneously.
Bankable Funds provides application support in Spanish and several other languages for the non-citizen communities it primarily serves. Contact (786) 443-5511 to discuss your language needs before starting your application.
Bankable Funds reports a 92% approval rate for applicants who meet the minimum revenue threshold of $15,000 per month. Among non-citizen applicants specifically, the approval rate is comparable to citizen applicants because immigration status is not a material factor in Bankable's credit decisions.