Key Takeaways
- 48-hour decisions from complete application submission
- Funds typically arrive 3–5 business days after approval
- Total process from application start to funded: as fast as 5 business days
- Compare: SBA loans take 30–90 days — Bankable is 6–18x faster
- Pre-qualification available in minutes at /bankability-score/
Speed matters in business. An equipment failure can cost you thousands per day in lost revenue. A seasonal opportunity closes if you can't pre-fund inventory in time. A lease deposit window expires. For these situations, Bankable's 48-hour decision process is not just a convenience — it's the core value proposition.
Compare this to the SBA timeline: SBA 7(a) applications take 30–90 days from application to approval, then additional time for closing. And E-3 holders can't access SBA at any speed. Bankable is specifically positioned as the fast, non-SBA alternative for business owners who need capital without waiting months.
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
- SBA processing takes 30–90 days — and E-3 holders can't access SBA anyway
- Traditional bank business loans take 2–6 weeks for non-SBA products
- Incomplete applications delay processing — having documents ready is critical
- Bank statement quality issues (mixed personal/business accounts) slow underwriting
- Weekends and holidays affect processing timelines
- Large funding amounts (over $500K) may require additional document review
Funding Solutions for E-3 Holders
- 48-Hour Decision Standard: Bankable commits to a decision within 48 hours of complete application.
- Pre-Qualification in Minutes: Check your Bankability Score online without full documentation.
- Digital Document Submission: No in-person visits — submit everything digitally.
- Dedicated Underwriting: E-3 applications handled by underwriters familiar with non-citizen business owners.
- Fast Fund Transfer: Approved funds via ACH to your US business bank account within 3–5 days.
The Complete Bankable Funding Timeline
| Step | Timeline | Notes |
|---|---|---|
| 1. Check Bankability Score | 5 minutes | Pre-qualification without commitment |
| 2. Submit Application | 30–60 minutes | Bank statements + basic business info |
| 3. Underwriting Decision | 48 hours | From complete application |
| 4. Review & Accept Terms | Same day | Review your funding offer |
| 5. Agreement Execution | 1 business day | Digital signature |
| 6. Funds Disbursed | 1–3 business days | ACH to your US business bank account |
| Total: Application to Funded | 5–7 business days | Standard timeline |
| Expedited (urgent situations) | 3–4 business days | With complete documentation ready |
How to Accelerate Your Application
The single biggest factor in application speed is document readiness. Have your most recent 3–6 months of business bank statements in PDF format before you start the application. Have your E-3 visa page and passport photo page scanned. Have your EIN confirmation ready. With these ready, you can submit a complete application in under 30 minutes — and that's when the 48-hour clock starts.
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
48 hours from receipt of a complete application with all required documents.
Same-day funding is not standard. Minimum timeline is approximately 5 business days (48hr decision + 3 days to fund).
Incomplete applications (missing documents), mixed personal/business bank accounts, and applications submitted on Fridays or before holidays.
30–90 days — and E-3 holders can't access SBA programs regardless of speed.
When Bankable receives a complete application with all required documents.
Yes. The Bankability Score at bankablefunds.com/bankability-score/ gives you a preliminary indication.
ACH transfer directly to your US business bank account.
Applications can be submitted any time. Underwriting decisions are made on business days.
Call Bankable directly at (786) 443-5511 for urgent situations. We can prioritize genuinely urgent applications.
Larger amounts (over $500K) may require additional document review and take slightly longer than standard.