Key Takeaways
- IT MSP recurring revenue drives Bankable approval — no green card required
- Fund tools, staff, and working capital for OPT IT service company founders
- Monthly service contracts with SMB clients qualify strongly
- 48-hour decisions for MSPs with $10K+ monthly recurring revenue
Computer science and IT management graduates on F-1 STEM OPT are launching managed service provider (MSP) businesses that serve small and medium businesses with monthly IT support contracts. The MSP model is built on recurring monthly revenue — help desk coverage, network monitoring, cybersecurity, and cloud management billed as monthly subscriptions. This is exactly the revenue profile Bankable evaluates most favorably for funding eligibility.
MSP Business Capital Uses
- Remote monitoring and management (RMM) software licenses
- Professional services automation (PSA) and ticketing systems
- Technician hiring and Microsoft/CompTIA certification training
- Working capital to onboard new clients before first billing cycle
- Hardware inventory: servers, switches, and workstations for client deployments
Frequently Asked Questions
Yes. Since March 2026, 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. STEM OPT IT founders can own MSP businesses if the operating entity is E-Verify enrolled and properly structured. Consult an immigration attorney for your specific STEM OPT compliance requirements.
$10,000+ in monthly recurring revenue with 6+ months of contract history.
Yes. RMM software, security tools, and PSA platforms are approved uses of Bankable working capital for IT service companies.
Yes. Sales and marketing capital to acquire new SMB clients is a common use case for MSP founders seeking Bankable funding.
Yes. Microsoft 365, cybersecurity, and backup service reseller revenue qualifies as part of total monthly recurring revenue.