Key Takeaways
- All transportation sub-sectors fundable: courier, charter, logistics, limo, shuttle
- SBA transportation loans unavailable to E-3 holders
- Vehicle and fleet financing available with asset-backed terms
- Minimum 6 months operating history and consistent revenue required
- Up to $5M, 48-hour decisions
Transportation businesses operated by E-3 holders span a wide range: last-mile delivery operations, airport shuttle services, executive charter, medical transport, and logistics coordination. All face the same capital dynamic — vehicles and operations require upfront investment, and revenue arrives on a lag.
Bankable funds transportation businesses based on monthly revenue from all transportation sources. We understand insurance-heavy operating cost structures and vehicle lifecycle costs. SBA loans are unavailable — Bankable provides a direct alternative with 48-hour decisions.
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
- Vehicle acquisition costs: $40K–$120K per commercial vehicle
- Commercial vehicle insurance is expensive and must be current at all times
- Fuel is a major variable cost that fluctuates with market conditions
- DOT compliance, licensing, and inspections are fixed regulatory costs
- Seasonal demand fluctuations in charter and shuttle services
- Driver payroll must be funded regardless of daily revenue performance
Funding Solutions for E-3 Holders
- Vehicle Financing: Fund commercial vehicle acquisition with asset-backed terms.
- Working Capital: Cover fuel, insurance, maintenance, and payroll during slow periods.
- Fleet Expansion: Add vehicles to your fleet based on existing operation revenue.
- Insurance Pre-funding: Annual insurance premium financing for commercial fleets.
- Route Expansion: Capital to enter new service areas or contract types.
Transportation Funding Specifics
For vehicle-heavy businesses, the most efficient capital is typically equipment financing — lower rates because the vehicle serves as collateral. For working capital needs (fuel, insurance, payroll), revenue-based funding is the right product. Bankable can structure both within the same application process.
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. Transportation company ownership is not restricted by visa status.
Courier, logistics, charter, limo, shuttle, medical transport, moving companies, and freight brokerages.
Yes. Vehicle financing through Bankable uses the vehicle as collateral.
We evaluate trailing 6-month averages. Seasonal transportation businesses are assessed on full-year patterns.
Yes. Annual insurance pre-funding is a valid working capital use case.
Typically $15K+/month in consistent transportation revenue.
48-hour decisions. Funds in 3–5 business days.
Not necessarily. We evaluate revenue regardless of specific operating authority type.
Yes. Route expansion and new service area capital is a supported use case.
We fund transportation businesses with B2B or contracted revenue. Pure rideshare operations (Uber/Lyft drivers) require business entity structure to qualify.