Key Takeaways
- Hotel and hospitality occupancy revenue drives Bankable approval — no green card
- Fund property improvements, working capital, and expansion for OPT hospitality operators
- SBA hotel loans now require 100% citizen ownership — Bankable is the alternative
- 48-hour decisions for hospitality businesses with $25K+ monthly revenue
Hospitality management graduates on F-1 OPT are operating hotels, boutique properties, and hospitality businesses across the US. These founders understand revenue management, OTA optimization, and guest experience at a professional level — skills developed through hospitality programs at Cornell, NYU, and other leading schools. The business model is straightforward: occupancy revenue is documented daily through PMS systems and OTA disbursements.
Hospitality Capital Uses
- Property improvements: room renovations, lobby upgrades, and amenity additions
- OTA strategy and marketing: paid search, reputation management, and direct booking systems
- Working capital during low occupancy seasons
- Staff hiring and training for service quality improvements
- Technology: PMS upgrades, revenue management software, and channel managers
Frequently Asked Questions
Yes. Since March 2026, all SBA loans require 100% US citizen or national ownership. Bankable is non-SBA — F-1 OPT founders qualify based entirely on business revenue.
No. Bankable funds US-registered business entities based on revenue. Immigration status is not evaluated.
Your business entity continues operating and servicing funding. The loan is with the business, not the individual.
Yes. Hotel and hospitality property ownership does not require professional licensure. F-1 OPT founders can own and operate hotels through properly structured business entities.
$25,000+ in monthly room revenue with 6+ months of operating history.
Yes. Professional STR operators managing multiple properties with documented rental revenue qualify for Bankable's working capital products.
We evaluate trailing 12-month average revenue and account for seasonal patterns. Low-season troughs do not disqualify — we analyze the full annual revenue cycle.
Yes. Property improvement capital tied to expected ADR increases is a common use case for hotel operators seeking Bankable funding.