Key Takeaways
- DACA entrepreneurs have invested in independent hotels, motels, and B&Bs generating real room revenue
- Bankable funds property renovation, working capital, and expansion with no citizenship requirement
- Hotel revenue — nightly rates, ADR, and RevPAR — is strong bankability evidence for Bankable
- SBA hospitality loans now closed to DACA owners — Bankable's 48-hour decisions are the alternative
- Your occupancy revenue and property performance are your credentials — no green card needed
DACA entrepreneurs have built successful Hospitality & Hotel 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 Hospitality & Hotel Businesses Fund With Capital
- Property renovation: Guest room upgrades, lobby renovation, pool and amenity improvements
- Brand flag affiliation: Capital to meet franchise brand standards for a flag conversion
- Working capital: Seasonal cash flow management, off-peak period bridge capital
- Technology: Property management system (PMS) upgrades, channel manager, booking engine
- Marketing: OTA optimization, direct booking campaigns, review management
- Acquisition: Bridge capital for acquiring an existing hotel property
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 hospitality & hotel 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 | $25,000+ monthly room revenue |
| Business Age | 12 months of hotel operations |
| Property Type | Independent hotels, motels, B&Bs, boutique hotels |
| Funding Range | $100K to $5M depending on property size and revenue |
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 hotel 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.