Key Takeaways
- Must have a US SSN — issued to all E-2 visa holders by default
- Must have a US EIN tied to your business entity (LLC, corporation, partnership)
- Minimum 6 months of US business operating history
- Minimum approximately $10,000/month in gross business revenue
- No green card, immigration documents, or US citizen co-signer required
The Complete Requirements List for 2026
Bankable's funding requirements for E-2 Treaty Investor visa holders are intentionally straightforward. We designed them to reflect what actually predicts repayment capacity — US revenue — not what bureaucratic tradition has layered onto lending over decades.
Required: Business Identity
Social Security Number (SSN): Your personal SSN is required. E-2 visa holders receive SSNs from the Social Security Administration and use them for all US tax, banking, and legal purposes. If you have been operating your E-2 business for any length of time, you already have an SSN.
Employer Identification Number (EIN): Your business EIN, issued by the IRS to your US business entity. This can be an LLC, S-corporation, C-corporation, limited partnership, or general partnership. The EIN ties the funding to your legal business, not just to you personally.
Required: Business Operating History
Minimum 6 months of US business operation. Your business must have been actively operating in the US for at least 6 months. For most E-2 investors, this is not a constraint — the E-2 visa investment period itself is measured in months and years, not weeks.
Newer E-2 businesses (3-6 months of history) are evaluated on a case-by-case basis and may qualify with stronger revenue or additional documentation.
Required: Revenue Documentation
3 months of business bank statements. PDF statements from your primary business checking account showing revenue inflows, expenses, and balance patterns for the last 90 days. Alternatively, you can connect your bank account digitally via Plaid for automated verification.
Minimum ~$10,000/month in gross revenue. This is the baseline revenue threshold for initial qualification. Most E-2 businesses meet this by design — the visa's non-marginal business requirement implies revenue substantially above subsistence level.
What Is NOT Required in 2026
Many applicants arrive expecting a traditional loan application checklist. Here is what Bankable explicitly does not require:
- Green card, permanent residency, or US citizenship
- Visa copy or I-94 travel record
- Immigration attorney letter or visa petition documents
- Personal tax returns (IRS Form 1040) — for initial application
- Business tax returns (Form 1120 or 1065) — for initial application
- Collateral pledge (real estate, equipment, inventory) — for working capital tranches
- US citizen co-signer or guarantor
- Audited financial statements
- Business plan or revenue projections
- Personal financial statement
- Credit score above a specific threshold (we review the full picture)
Industry-Specific Considerations
Bankable funds E-2 businesses across all legal industries. Some industries have specific underwriting nuances:
Restaurants and food service: POS system revenue reports alongside bank statements can strengthen applications by showing granular transaction data. Seasonal restaurants should provide 6+ months of statements to demonstrate the full revenue cycle.
Trucking and transportation: Freight broker invoices or factoring account statements can supplement bank statement revenue for load-based businesses with periodic large deposits.
B2B service businesses: Accounts receivable aging reports help demonstrate contracted revenue for businesses with 30-90 day invoice cycles.
Healthcare practices: Insurance reimbursement statements or billing summaries can support bank statement revenue for practices where insurance payments may lag service delivery by 30-90 days.
The Application Process Step by Step
Understanding what happens after you gather your documents helps set expectations:
- Online application: Enter business name, address, industry, date founded, SSN, and EIN. Upload bank statements or connect via Plaid. Total time: 12 minutes.
- Automated revenue verification: Our system immediately analyzes your bank statement data — average monthly revenue, consistency, trend, and any anomalies worth investigating.
- Underwriting review: A human underwriter reviews the automated analysis and makes the final funding decision. Timeline: within 48 hours of complete application.
- Term sheet delivery: You receive a term sheet outlining your approved tranche amount, revenue share percentage, and deployment schedule.
- Agreement and funding: Sign digitally. Wire transfer to your business account within 24-72 hours.
What Can Disqualify an Application
While we do not publish a categorical disqualification list, common reasons applications are not approved include:
- Less than 6 months of operating history (exception review possible)
- Revenue below $10,000/month consistently
- Severe negative cash flow (expenses consistently exceeding revenue)
- High volume of returned or reversed transactions in bank statements
- Business operating in an excluded industry (gambling, weapons, certain adult services)
- Incomplete or altered bank statement documents
Disqualification in any of these areas is typically communicated with guidance on what would change the outcome. Many applicants who are not approved initially return 90-120 days later and qualify after their revenue history strengthens.
Pre-Qualification Without a Hard Pull
Bankable's initial review does not require a hard credit pull. You can provide your basic business information and get a preliminary revenue assessment before submitting a full application. This allows you to understand your likely funding range without committing to a formal application or creating a credit inquiry. Speak with our team at (786) 443-5511 to discuss pre-qualification.
Frequently Asked Questions
SSN, EIN, at least 6 months of US business history, approximately $10,000/month in gross revenue, and 3 months of business bank statements. No green card, immigration documents, or collateral required.
Profitability is less important than revenue consistency. Bankable looks at gross revenue inflows, not net profit. Businesses with high expenses but consistent revenue often qualify for working capital that helps improve margins.
Businesses with less than 6 months of history are reviewed on a case-by-case basis. Stronger revenue and additional documentation may support earlier eligibility. The standard minimum is 6 months of operating history.
Bankable does not publish a minimum credit score cutoff. We review the full business picture, with bank statement revenue as the primary factor. A strong revenue history can offset a lower credit score.
Not for the initial application. Bank statements are the primary underwriting document. Tax returns may be requested for larger tranche amounts above $500K.
Yes. Sole proprietors with SSNs and EINs who operate qualifying US businesses are eligible. Bankable funds LLCs, corporations, partnerships, and sole proprietorships.
Bankable funds E-2 businesses across all legal industries — restaurants, retail, trucking, healthcare practices, tech, consulting, manufacturing, real estate services, and more. A small number of excluded industries (gambling, weapons, certain adult services) apply.
A US business checking account is required. Personal bank accounts or accounts not tied to your business EIN may not be accepted as the primary statement source.
Tax liens and judgments are reviewed on a case-by-case basis. They do not automatically disqualify your application but may affect the funding amount or structure offered.
After successfully repaying your first tranche, you can apply for subsequent tranches at any time. Repeat clients often qualify for larger amounts and faster processing on follow-on applications.