Key Takeaways
- 6+ months in business with consistent monthly revenue is the primary requirement
- US business bank account is required — no citizenship needed to open one
- Minimum ~$10K–$15K per month in revenue for most Bankable products
- E-3 visa documentation serves as owner identification
- No business plan, no extensive tax documentation required for initial assessment
Bankable's qualification requirements for E-3 holders are deliberately designed to be accessible — we've built our underwriting model around the reality of what non-SBA business funding actually needs to assess risk. The result: simpler requirements than traditional bank lending, with faster decisions.
Here are the complete 2026 requirements to qualify for Bankable funding as an E-3 visa holder.
The E-3 Funding Barrier
The SBA's 100% citizen/national ownership rule disqualifies every E-3 holder from government-backed loans — regardless of how long you've been in the US, how profitable your business is, or how strong your credit score is. Banks that primarily originate SBA loans have no viable product to offer you. That's not a reflection of your business quality; it's a policy gap that Bankable was built to bridge.
Revenue-based funding through Bankable requires no green card, no citizenship, and no SBA involvement. What matters: your business generates consistent revenue, has been operating for at least 6 months, and has a US business bank account. That's the core of what we evaluate. Check your Bankability Score to see your options in minutes.
Challenges in This Sector
- Minimum 6 months of business operation required — pre-revenue businesses don't qualify
- Consistent monthly revenue required — lumpy or declining revenue affects qualification
- US business bank account required — international-only accounts are not accepted
- Existing high-balance business debt may reduce available funding
- Industries with very low revenue (pre-launch, early startup) have limited Bankable options
- Credit score impacts terms even though it's not the primary qualification factor
Funding Solutions for E-3 Holders
- Revenue Requirement: $10K–$15K+ per month consistently over 6 months.
- Business Entity: US-registered LLC, S-Corp, C-Corp, or sole proprietorship with EIN.
- Bank Account: US business bank account with 3–6 months of statements.
- Owner ID: E-3 visa page and passport accepted — no US ID required.
- Business License: Where required by your industry/state.
Complete 2026 Qualification Checklist
| Requirement | Status | Details |
|---|---|---|
| 6+ months in business | Required | From entity formation date with active operations |
| Consistent monthly revenue | Required | $10K–$15K+ per month for most products |
| US business bank account | Required | Checking account in business name with US bank |
| US business entity with EIN | Required | LLC, S-Corp, C-Corp, sole prop with EIN |
| Owner identification | Required | E-3 visa page + passport accepted |
| Business license | If applicable | For licensed industries only |
| US citizenship | NOT required | E-3 visa is sufficient |
| Green card / permanent residency | NOT required | Visa status does not affect qualification |
| Business plan | NOT required | Bankable evaluates performance, not projections |
| Tax returns (initial) | NOT required initially | May be requested for larger amounts |
| Collateral (working capital) | NOT required | General business lien only |
| Personal real estate | NOT required | Unlike most SBA products |
Capital Products Available
Revenue-Based Funding
Up to $5M based on your monthly revenue. No green card, no SBA. 48-hour decisions.
Apply Now →Equipment Financing
Asset-backed funding for equipment — available to non-citizen business owners.
Check Eligibility →Frequently Asked Questions
6 months of active operation with consistent revenue.
Typically $10K–$15K per month consistently for most products. Some products have higher minimums.
Yes. A US business checking account in your business name is required.
Yes. Your E-3 visa page and passport are accepted as owner identification.
No. E-3 visa holders qualify without citizenship or permanent residency.
No. Bankable evaluates actual performance — not plans or projections.
Standard lending restrictions apply (no illegal activities, gambling, etc.). All legal industries qualify.
Bankable is flexible on credit but considers it in underwriting. Generally, 600+ supports qualification; 680+ supports better terms.
Yes — with a separate business bank account and EIN.
Check your Bankability Score at bankablefunds.com/bankability-score/ for a preliminary assessment.