Key Takeaways
- DACA entrepreneurs have launched clothing brands, streetwear lines, and fashion labels with real customer traction
- Bankable funds production runs, inventory, and brand marketing with no citizenship requirement
- Seasonal inventory cycles and wholesale order financing available through Bankable's tranche model
- SBA apparel business loans now closed to DACA owners — Bankable is the direct alternative
- Your sales revenue and production pipeline are your bankability — no green card needed
DACA entrepreneurs have built successful Fashion & Apparel businesses across the United States. With valid Employment Authorization Documents and Social Security Numbers, they run operations, employ American workers, and pay taxes — yet face systematic exclusion from the capital markets that fund their competitors. Bankable exists to correct that.
What Fashion & Apparel Businesses Fund With Capital
- Production runs: Fabric, manufacturing, and finishing costs for seasonal collections
- Inventory: Pre-season stocking for wholesale and DTC orders
- Marketing: Lookbook photography, social media, influencer campaigns, trade shows
- E-commerce: Shopify store, photography, digital advertising for direct-to-consumer sales
- Wholesale: Samples, line sheets, and showroom costs to pursue retail buyers
- Equipment: Sewing machines, embroidery equipment, pattern cutting tools for in-house production
The SBA Gap and the Bankable Solution
The SBA's March 2026 citizen-only rule eliminated the most affordable small business lending program for DACA owners. Bankable's revenue-based tranche funding fills this gap: no citizenship required, no green card needed, 48-hour decisions. Your fashion & apparel revenue is your qualification. Learn more about SBA alternatives for DACA business owners.
Funding Requirements
| Factor | Bankable Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no green card required |
| Revenue | $15,000+ monthly from apparel sales |
| Business Age | 12 months with documented sales history |
| Business Type | Clothing brands, streetwear, custom apparel, activewear, accessories |
| Funding Range | $25K to $2M based on revenue and order pipeline |
Check your eligibility at bankablefunds.com/bankability-score — a 5-minute process with no commitment and no citizenship questions.
Frequently Asked Questions
Yes. DACA status with a valid EAD and SSN qualifies for Bankable funding. No citizenship or green card is required. Your fashion revenue is the primary qualification factor.
EAD card, SSN, 3 months of business bank statements, business license, and a voided business check. No green card or citizenship documentation required.
Yes. The SBA's March 2026 rule now requires all SBA loan borrowers to be US citizens or nationals, locking out DACA recipients. Bankable's revenue-based funding is the direct alternative with no citizenship requirement.
Bankable issues decisions within 48 hours of a complete application. Funding typically arrives 3–7 business days after approval.
Bankable funds up to $5M through our tranche system. Actual amounts depend on your monthly revenue and business profile.
Yes — your EAD must be current at the time of application. DACA's renewal cycle does not disqualify you — we understand the administrative process.
Yes. A revolving business line of credit is available for established businesses with consistent monthly revenue. Draw, repay, and redraw as your business cycle requires.
Revenue-based funding carries a higher rate than SBA loans. For DACA owners who cannot access the SBA program, the comparison is between Bankable's rates and no access at all. We price transparently based on your full profile.
Yes. Staffing expansion is a covered use case. Adding employees directly increases your revenue capacity and is one of the most common uses of Bankable capital.
We accept 3 months of business bank statements, POS reports, QuickBooks exports, and industry-specific revenue documentation. We look for consistent monthly revenue over your operating history.