Key Takeaways
- Bankable funds inventory for DACA-owned retail, e-commerce, and product businesses with no citizenship requirement
- Pre-season bulk ordering, Amazon FBA restock, and supplier minimums all fundable through Bankable
- Inventory financing fills the 60–90 day gap between purchasing stock and collecting sales revenue
- SBA working capital now closed to DACA inventory buyers — Bankable's 48-hour decisions fill the gap
- Your sales history and inventory turn rate are your bankability — no green card needed
Every product business faces the same challenge: you need to buy inventory before you can sell it, but the capital to buy it often doesn't exist until you've already sold the last batch. This working capital cycle is the central challenge of retail, e-commerce, and product distribution — and it's a challenge Bankable's inventory financing tranche is specifically designed to solve.
How Inventory Financing Works at Bankable
Bankable's inventory financing is structured as a working capital tranche tied to your sales cycle. We advance capital for your inventory purchase, you sell the inventory, and repayment comes from sales revenue as a percentage of monthly revenue. The tranche amount is based on your historical sales volume and inventory turn rate — not your citizenship.
Common DACA Inventory Financing Use Cases
- Holiday Q4 stocking: Retail stores pre-purchasing October through December for the gift season
- Amazon FBA restock: E-commerce sellers replenishing FBA inventory to avoid stockouts
- Supplier minimums: Meeting minimum order quantities to unlock wholesale pricing
- Seasonal business: Food trucks stocking for summer, landscapers stocking for spring
- New product launches: First production run for a new SKU or product line
- Import orders: Funding 90-day lead time imports from overseas suppliers
Requirements for DACA Inventory Financing
| Factor | Standard |
|---|---|
| Immigration | DACA with EAD + SSN — no citizenship required |
| Sales History | $10,000+ monthly from product sales |
| Business Age | 12 months of inventory-based business |
| Inventory Type | Physical products: retail goods, food, apparel, home goods, electronics |
| Funding Range | $15K to $1M based on sales volume and inventory value |
Frequently Asked Questions
Yes. Bankable funds inventory purchases for DACA-owned retail, e-commerce, and product businesses. Your sales history is the primary qualification — no citizenship required.
Repayment is a percentage of your monthly revenue. As you sell inventory and collect revenue, that percentage flows back to Bankable. In strong sales months, you pay more; in slower months, you pay less.
Yes. Amazon FBA restock — particularly before Q4 — is one of the most common inventory financing use cases. We accept Amazon seller account statements as revenue documentation.
Apply at least 30–45 days before your inventory purchasing deadline. This provides time for the 48-hour Bankable decision and funding delivery, giving you capital before supplier deadlines.
Yes. Import orders with 90-day lead times can be funded. We structure the tranche to provide capital when the purchase order is placed, with repayment beginning when goods arrive and sales start.
Yes. Food and beverage inventory for restaurants and food businesses qualifies. High-volume purchasing for catering events or seasonal menus is a strong use case.
Repayment is tied to actual revenue, not a fixed timeline. If sales slow, your monthly payment adjusts accordingly. Bankable is not a fixed-payment lender — we align with your business's actual performance.
Yes. Bankable's revenue-based funding does not require inventory as collateral. Revenue history is the primary underwriting factor. For larger amounts, inventory can serve as additional collateral.
Yes. Launching a new SKU or product line is a covered use case. The existing business's revenue history supports the new product's initial inventory investment.
Yes. Pop-up retail and seasonal event inventory needs are fundable. The business's year-round revenue history supports the seasonal capital request.