Key Takeaways
- DACA founders build SaaS companies with real ARR — Bankable funds based on MRR, not immigration status
- Revenue-based funding means no equity dilution — keep 100% of your SaaS business
- Engineering hiring, cloud infrastructure, and sales team expansion all fundable through Bankable
- SBA software business loans now closed to DACA owners — Bankable fills the gap with 48-hour decisions
- Your monthly recurring revenue is your bankability — no pitch deck, no VC, no green card required
DACA entrepreneurs have built successful Software & SaaS 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 Software & SaaS Businesses Fund With Capital
- Engineering salaries: backend, frontend, and DevOps talent to accelerate product development
- Cloud infrastructure: AWS, GCP, Azure costs that scale with customer growth
- Sales and customer success: Building the team that drives MRR growth
- Product development: Feature buildout, API integrations, compliance requirements
- Marketing: Content, SEO, paid acquisition for B2B SaaS lead generation
- Debt financing as SBA alternative: Non-dilutive capital that preserves your cap table
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 software & saas 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 |
| MRR | $15,000+ monthly recurring revenue |
| Business Age | 12 months with paying customers |
| Business Type | SaaS, subscription software, API businesses |
| Funding Range | $25K to $5M based on ARR and growth rate |
Check your eligibility at bankablefunds.com/bankability-score — a 5-minute process with no commitment and no citizenship questions.
Frequently Asked Questions
Yes. Bankable's revenue-based tranche funding is non-dilutive — you keep 100% of your company. This is particularly valuable for DACA founders who have been passed over by equity investors due to immigration concerns.
Yes. MRR-based businesses are ideal candidates for Bankable's tranche structure. Predictable monthly revenue supports larger funding tranches.
Yes. Engineering salaries are a primary use case. Adding developers accelerates product development and is the most common growth investment for early-stage SaaS companies.
$15,000 monthly revenue ($180K ARR) is our baseline threshold. We fund SaaS businesses at various growth stages from this starting point up to $5M in tranches.
No. Bankable evaluates your revenue — bank statements, Stripe dashboards, and MRR reports. No pitch deck required.
Yes. For founders who want to avoid dilution or have faced VC bias related to immigration status, Bankable's revenue-based funding is a compelling alternative.
Significantly. Bankable decisions arrive in 48 hours. VC fundraising typically takes 3–6 months and requires pitching dozens of investors.
Yes. AWS, GCP, and Azure costs that scale with customer growth are fundable. Cloud costs are a legitimate operating expense that revenue-based capital can support.
Your funding is a business obligation between Bankable and your company. DACA's legal status does not affect your funding. We recommend maintaining current EAD renewal as standard practice.
Yes. A revolving business line of credit is well-suited to SaaS businesses. Draw for payroll and infrastructure, repay as customer payments arrive, and redraw for the next growth investment.