Key Takeaways
- No green card required — EAD and US business entity are sufficient
- Fund Amazon, Shopify, Etsy, and TikTok Shop sellers
- Inventory financing, ad spend, and 3PL costs all covered
- SBA 2026 rule change eliminates asylees — Bankable does not
- Decisions based on your store revenue, not your visa
E-commerce has become one of the most accessible paths to entrepreneurship for asylees and asylum seekers — and for good reason. You can launch a store from a laptop, source inventory globally, and sell to customers across the United States without needing a physical storefront, a local commercial lease, or extensive US credit history. Venezuelan, Chinese, Afghan, and Ukrainian entrepreneurs have built six- and seven-figure e-commerce businesses on Amazon, Shopify, and Etsy while their immigration cases wound through the system.
The challenge comes when it's time to scale. Inventory financing, paid advertising, fulfillment costs, and platform fees require capital. Banks require green cards. Bankable requires revenue.
E-Commerce Businesses We Fund
- Amazon FBA and FBM sellers (all categories)
- Shopify direct-to-consumer stores
- Etsy, eBay, and Walmart Marketplace sellers
- TikTok Shop and social commerce operators
- Wholesale and B2B e-commerce
- Dropshipping operations with consistent revenue
- Print-on-demand businesses with established order volume
What We Fund
Inventory purchases are the single largest capital need for e-commerce sellers — especially around Q4, back-to-school, or product launches. Bankable provides working capital specifically sized to your inventory cycle. Advertising spend on Google, Meta, TikTok, and Amazon Ads is another common use. Many sellers need 60-90 days of ad spend capital before sales revenue catches up. We bridge that gap.
Other common uses include: 3PL (third-party logistics) deposits, warehouse space, product photography, website development, and hiring virtual assistants or warehouse staff.
How We Evaluate Your E-Commerce Business
We connect to your store data directly (Shopify, Amazon Seller Central, Stripe, PayPal) to verify revenue. No audited financials needed. We look at: monthly gross revenue, order volume, return rate, and months in operation. For Amazon sellers, your ACoS and BSR trends matter. For Shopify, your conversion rate and repeat customer rate signal business health.
Minimum: $10,000/month in store revenue, 6 months operating, US bank account, EAD or work authorization.
The SBA Gap for Asylee E-Commerce Sellers
Prior to 2026, some asylees accessed SBA microloans through CDFIs. The 2026 rule change closed that door entirely. E-commerce sellers who were counting on SBA capital for inventory or expansion now need a private alternative. Bankable's revenue-based funding is structured precisely for businesses with strong top-line revenue and high capital velocity — the exact profile of a growing e-commerce operation.
Frequently Asked Questions
Yes. Amazon FBA sellers with at least $10,000/month in revenue and 6 months of operating history qualify. We connect directly to Amazon Seller Central to verify revenue. Your green card status is irrelevant.
Typically 1-2x your monthly revenue, up to $5M. An Amazon seller doing $80K/month may qualify for $80K-$160K in working capital for inventory or advertising.
Yes. Ad spend is one of the most common uses. We fund the capital gap between when you run ads and when the revenue from those ads arrives in your account.
We accept 3-6 months of business bank statements as the primary verification. Store integration speeds the process but is not required.
Revenue-based repayment adjusts to your actual sales. During off-peak months, repayment is lower. During Q4 peaks, repayment accelerates — which is exactly when you have the cash to support it.
Yes. We aggregate revenue across all platforms (Amazon, Shopify, Etsy, etc.) to determine your total qualifying revenue.
We do not have a hard credit score cutoff. Business revenue is the primary factor. Personal credit below 600 may affect terms but will not automatically disqualify you.
The application takes under 10 minutes. Upload 3 months of bank statements, basic business info, and your EAD. Decision within 48 hours.