Key Takeaways
- Revenue-based funding for immigrants evaluates business revenue, not citizenship or green card status
- It replaced SBA loans as the primary capital source for non-citizen business owners after March 2026
- Repayment is flexible — a percentage of daily sales that automatically adjusts to your revenue
- Bankable Funds provides immigrant-focused revenue-based funding from $25K to $750K nationwide
- Any immigrant with $15K/month in business revenue and 6 months of history can qualify
Revenue-based funding for immigrants is the fastest-growing form of business capital for non-citizen entrepreneurs in 2026. As the March SBA rule change eliminated government-backed options, revenue-based funding stepped in as the primary capital solution. Unlike traditional loans that rely on US credit history, citizenship status, or collateral, revenue-based funding evaluates one thing: how much money your business makes.
Why Revenue-Based Funding Is Different for Immigrants
Traditional business lending was designed for established US citizens with multi-decade credit histories, home equity for collateral, and family connections to the banking system. Immigrant entrepreneurs often have none of these — but they have something equally valuable: strong business revenue built through hard work, tight operations, and community-driven customer bases.
Revenue-based funding measures what immigrant businesses are actually good at: generating sales. It doesn't penalize you for having a foreign credit history, a temporary visa, or a last name a loan officer can't pronounce.
How Revenue-Based Funding Works for Immigrant Business Owners
- Assessment — Your business bank statements (3–6 months) are reviewed to calculate average monthly revenue and cash flow patterns.
- Offer — Based on your revenue, you receive a specific funding offer: a dollar amount and a factor rate (e.g., $150,000 at 1.25 = $187,500 total repayment).
- Repayment — A fixed percentage of your daily revenue (10–20%) is automatically collected until the total is repaid. If your business has a slow week, you pay less. If it's busy, you pay more and finish sooner.
- Renewal — After repayment, your revenue history now includes the funded period, often qualifying you for more capital at better rates.
Who Revenue-Based Funding Serves in the Immigrant Community
Bankable Funds' immigrant clients span every nationality, visa type, industry, and business size. Common profiles include:
- Restaurant owners from Latin America, Asia, and West Africa with 2–15 locations
- Construction contractors building residential and commercial projects
- Trucking owner-operators expanding from 1 to 3+ trucks
- E-commerce entrepreneurs selling across multiple platforms
- Healthcare staffing agencies and medical practice owners
- Technology services companies owned by H-1B and O-1 holders
The common thread: businesses generating strong revenue, managed by entrepreneurs who understand their market, constrained only by access to capital. That's exactly the profile Bankable Funds' Bankability Score is designed to identify and fund.
Frequently Asked Questions
No. Revenue-based funding is available to all business owners. However, Bankable Funds specializes in serving non-citizen and immigrant entrepreneurs because this community faces the highest systemic barriers to traditional funding — barriers that revenue-based funding eliminates.
Bankable serves businesses owned by immigrants from all countries. Significant communities include Mexico, India, China, Nigeria, El Salvador, Guatemala, Honduras, Korea, Vietnam, the Philippines, Dominican Republic, and many others. All nationalities are welcome — the business's revenue is what matters.
Cash-based businesses present a challenge because cash revenue cannot be verified through bank statements. A business that deposits its cash receipts daily into a business bank account can qualify. Businesses where revenue does not appear in bank deposits (fully under-reported cash businesses) cannot be funded through standard revenue-based products.
Most industries qualify. Industries with consistent, verifiable revenue streams work best: restaurants, retail, construction, trucking, healthcare, professional services, and e-commerce. High-risk industries (cannabis where federally illegal, weapons, adult entertainment, certain financial businesses) may not qualify or face limited options.
Microloans (typically $500–$50,000) are better suited to very early-stage or very small businesses. Revenue-based funding through Bankable Funds starts at $25,000 and goes to $750,000, making it appropriate for established businesses needing meaningful capital. Microloans often require longer approval processes but offer lower costs.
Business loan funds should be used for business purposes. While there's no prohibition on drawing reasonable owner distributions (salary) from a profitable business, the funded capital should flow toward business growth — equipment, inventory, hiring, expansion, and working capital — not primarily toward personal compensation.
Bankable Funds serves immigrant business owners as its primary market. Application support is available in Spanish and other languages. Bankable's team understands the specific challenges immigrant entrepreneurs face and structures applications around those realities.
There is no maximum revenue cap. Large businesses with millions in monthly revenue can use revenue-based funding just as effectively as smaller businesses. The percentage-based repayment structure scales naturally — a $500,000-per-month business and a $50,000-per-month business both pay the same percentage of their revenue, keeping the funding cost proportional.