Key Takeaways
- 3PL, freight brokerage, and warehouse operations all qualify for Bankable
- SBA transportation and logistics loans unavailable to E-3 holders
- Warehouse equipment, fleet, and working capital fundable
- Contracted revenue with shippers is ideal for Bankable underwriting
- 48-hour decisions up to $5M
Logistics businesses managed by E-3 holders span third-party logistics (3PL), freight brokerage, last-mile delivery, and warehouse operations. These are capital-intensive businesses — forklifts, racking systems, fleet vehicles, and large facility costs require ongoing investment. Revenue, however, is typically contracted and predictable.
Bankable evaluates logistics businesses on contracted shipper revenue, warehouse utilisation rates, and bank statement consistency. No SBA, no green card, 48-hour decisions for established logistics operations.
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
- Warehouse equipment (forklifts, racking, conveyors) requires $100K–$1M+ in capital
- Facility lease costs for warehouse space are substantial and must be paid regardless of utilisation
- Fleet vehicles for last-mile and pickup-delivery operations require ongoing capital investment
- Carrier payment terms (Net-30 to Net-60) create AR float that strains working capital
- Technology systems (TMS, WMS) require upfront investment for operational efficiency
- Fuel and driver costs are significant variable expenses tied to freight volume
Funding Solutions for E-3 Holders
- Equipment Financing: Forklifts, racking systems, and warehouse equipment with asset-backed terms.
- Fleet Financing: Delivery vehicles and trucks for logistics operations.
- Working Capital: Bridge AR float from carrier and shipper payment terms.
- Technology Investment: TMS and WMS software implementation capital.
- Capacity Expansion: Fund additional warehouse capacity based on existing utilisation.
3PL Revenue Characteristics
Third-party logistics businesses with contracted storage and handling agreements generate predictable monthly revenue. A 3PL managing 20,000 sq ft of warehouse space at $0.50/sq ft/month generates $10K+ in storage revenue alone, plus handling fees. This contracted revenue base is highly fundable through Bankable.
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
Yes. Logistics and warehouse business ownership is not restricted by E-3 status.
3PL, freight brokerage, last-mile delivery, warehouse operations, fulfilment centres, and cold storage.
Yes. Forklifts, racking, and conveyor systems can be financed with asset-backed terms.
We bridge Net-30 to Net-60 carrier payment terms with working capital structured around your collection cycle.
Typically $20K+/month in consistent freight or storage revenue.
Yes. Additional delivery vehicles and trucks can be financed.
Yes. We understand freight terms, carrier payment cycles, and seasonal freight patterns.
Yes. TMS/WMS implementation and software costs are valid working capital uses.
48-hour decisions. Funds in 3–5 business days.
Yes. Second facility expansion based on existing operation revenue is supported.