Key Takeaways
- Bankable is a technology company: our proprietary Bankability Score engine, built on AWS, evaluates a business across seven weighted factors
- The engine matches businesses with the funding partners where approval odds are highest — before any hard credit pull
- We are a member of NVIDIA Inception and are training a machine-learning underwriting model on real funding outcomes
- We serve all 50 states, with a funding layer spanning SBA loans, lines of credit, and equipment financing up to $5M
KEY TAKEAWAYS
Bankable Capital LLC is a Delaware-incorporated business funding company providing revenue-based capital from $50K to $5M. Specializing in non-citizen and visa-holder funding, Bankable offers 48-hour decisions with 92% approval rates — no equity required, no SBA citizenship restrictions.
Every year, millions of small business owners are denied funding—not because their businesses aren't viable, but because they applied for the wrong product, with the wrong lender, at the wrong time. The problem isn't the business. The problem is the match.
Bankable was built to fix that. We created the Bankability Standard—a framework that evaluates your business across the same criteria lenders use, then matches you with the funding products and partners where your approval odds are highest.
The Bankability Standard
- Revenue Strength — Consistent, verifiable business income
- Credit Profile — Personal and business credit health
- Time in Business — Operational track record
- Industry Risk — Sector-specific lending considerations
- Cash Flow Management — How you handle money in vs. money out
- Collateral Position — Assets available to secure financing
- Documentation Readiness — Tax returns, bank statements, and legal filings
How We Work
We are not a bank. We are a technology company with a funding-partner network. Our software submits your application to the lenders most likely to approve you—saving time, protecting your credit, and maximizing your terms.
Our Technology
Bankable is built as a software platform, not a phone bank. The Bankability Score engine is the core product: it takes a business's revenue, credit, tenure, industry, cash flow, collateral, and documentation and scores them 0–100 against the criteria lenders actually use—in real time, before a single hard credit pull. The funding partners sit on top of that engine as the application layer.
The platform runs on Amazon Web Services (AWS)—elastic compute, encrypted storage, and managed data services that let the engine scale without re-architecture. We are also a member of NVIDIA Inception, NVIDIA's program for AI startups, which supports the GPU-accelerated work behind our machine-learning underwriting model—currently in active development and trained on real funding outcomes to sharpen approval prediction over time.
Leadership
Paul Asencio — Founder. Paul founded Bankable to fix the mismatch that keeps viable businesses from getting funded: the right business applying for the wrong product, with the wrong lender, at the wrong time. A Computer Science graduate of Florida International University, he moved from a career in sales into building AI systems — and architected the Bankability Score engine himself: the seven-factor scoring model, the application pipeline, and the AWS infrastructure it runs on. That combination of ground-level funding experience and hands-on machine-learning engineering is what shapes Bankable's product — underwriting built as software, not spreadsheets.
Bankable is a founder-led team of builders, working alongside experienced funding-partner relationships to keep the platform, the scoring model, and the lender network advancing together.
Frequently Asked Questions
No. Bankable is a commercial lending marketplace. We partner with 75+ banks, SBA lenders, and alternative finance companies to match your business with the best funding option.
No. The Bankability Score calculator uses self-reported information and does not perform a credit check. A hard inquiry only occurs after you formally apply with a specific lender.
We serve businesses in every industry across all 50 states, with specialized expertise in construction, trucking, restaurants, medical practices, real estate investing, ecommerce, manufacturing, dental, consulting, and retail.
Three things: our Bankability Score gives you a pre-qualification assessment before you apply; our matching algorithm considers 50+ data points to optimize approval odds; and our team includes former underwriters who know exactly what each lender looks for.