E-3 Visa Inventory Financing Without SBA or Green Card

Inventory businesses face a universal cash flow challenge: you must purchase inventory before you can sell it, and the gap between purchase and sale creates a working capital need. For high-growth businesses, this gap widens as sales velocity increases — you need more inventory to meet demand before the current inventory pays for itself.

SBA inventory loans — designed to solve exactly this problem — require 100% US citizen/national ownership and are unavailable to E-3 holders. Bankable funds inventory businesses based on their actual sales velocity. We look at your average monthly revenue, inventory turn rate, and sales growth trajectory. No SBA, no green card — just working capital matched to your inventory cycle.

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 inventory loans unavailable to E-3 holders
• Supplier minimum order quantities increase as business scales
• Seasonal inventory builds require large upfront capital 60–120 days before peak revenue
• Supplier payment terms (often net-30 to the supplier, before you've sold the goods) create working capital needs
• Returns and markdowns create unpredictable inventory write-offs
• Storage costs add to inventory carrying costs for slow-moving categories

Funding Solutions for E-3 Holders

• Inventory Working Capital: Fund purchase orders and inventory builds based on sales history.
• Seasonal Pre-Funding: Capital for Q4 or peak-season inventory builds before demand arrives.
• SKU Expansion: Working capital to add new product lines without depleting cash reserves.
• Supplier Pre-Payment: Fund supplier pre-payments to access better pricing or priority allocation.
• Purchase Order Financing: Capital specifically matched to confirmed purchase orders.

Inventory Turn Rate and Bankable

Bankable evaluates inventory businesses partly on inventory turn rate — how many times per year your inventory sells through. A business with 6x annual turns (every 2 months) has a fundamentally lower funding risk than a business with 2x annual turns (every 6 months). Fast-turning inventory requires less working capital per dollar of revenue and recovers faster. Tell us your category turn rate during the application process — it helps calibrate the right funding amount.

Capital Products Available