Key Takeaways
- DACA licensed HVAC technicians run service businesses with $500K+ annual revenue across the Sunbelt
- Bankable funds service vehicles, HVAC equipment, and seasonal capital with no citizenship requirement
- Summer and winter peak season demands create predictable capital needs that Bankable structures around
- SBA HVAC loans now closed to DACA owners — Bankable is the direct, 48-hour alternative
- Your service call revenue and maintenance contracts are your bankability — no green card needed
DACA entrepreneurs have built successful HVAC 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 HVAC Businesses Fund With Capital
- Service vehicles: HVAC service vans stocked with refrigerant, tools, and common parts
- Equipment: Refrigerant recovery machines, manifold gauges, HVAC testing equipment
- Inventory: Common units, coils, and components for same-day installation
- Maintenance contracts: Working capital to service large commercial maintenance accounts
- Seasonal capital: Pre-summer and pre-winter hiring and equipment purchasing
- Marketing: Google Ads, Yelp, and HomeAdvisor for residential customer acquisition
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 hvac 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 |
| License | Valid state HVAC license required |
| Revenue | $15,000+ monthly from HVAC services |
| Business Age | 12 months of HVAC business operations |
| Funding Range | $25K to $3M based on service volume 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 HVAC 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.