Key Takeaways
- Transportation revenue and fleet economics drive Bankable approval — not visa status
- Fund vehicle purchases, fleet expansion, and working capital for OPT transportation founders
- SBA transportation loans now require 100% citizen ownership — Bankable is the alternative
- F-1 logistics graduates understand supply chains and route optimization deeply
- 48-hour decisions for transportation businesses with $15K+ monthly revenue
Transportation and logistics management graduates on F-1 OPT are launching non-emergency medical transportation (NEMT) companies, corporate shuttle services, freight brokerage operations, and last-mile delivery fleets. These businesses generate consistent, documented revenue from service contracts and per-trip payments — the kind of predictable revenue stream Bankable evaluates for funding eligibility.
The transportation sector is particularly well-suited for F-1 OPT founders because contracts are documentable, revenue per vehicle is trackable, and growth follows a clear unit economics model: more vehicles = more revenue. Bankable funds this expansion based on existing fleet revenue, not immigration status.
Transportation Capital Use Cases
- Vehicle acquisition: Vans, buses, wheelchair-accessible vehicles, and fleet cars with asset-backed financing
- Fleet expansion: Add revenue-generating vehicles to an operating fleet with proven per-unit economics
- NEMT contract fulfillment: Capital to hire drivers and acquire vehicles for a new NEMT government contract
- Dispatch technology: GPS fleet management, scheduling software, and driver apps
- Insurance premium financing: Spread commercial auto insurance costs monthly
Vehicle Financing
Fleet vehicles with the asset as collateral. Expand your revenue-generating fleet.
Explore →Frequently Asked Questions
Yes. Since March 2026, SBA loans require 100% US citizen or national ownership. All F-1 OPT and STEM OPT founders are disqualified from SBA 7(a) and 504 programs. Bankable is a non-SBA lender — our approval is entirely revenue-based, with no citizenship requirement.
No. Bankable does not evaluate immigration status. We fund US-registered business entities based on their revenue. F-1 OPT and STEM OPT founders qualify on the same terms as any other business owner.
Your business entity continues operating and servicing the funding regardless of your personal immigration status. Bankable funds the LLC or corporation, not the individual. Immigration transitions — H-1B, O-1, departure — do not affect the business's obligation or ability to operate.
Yes. F-1 OPT founders can own and operate transportation companies. For STEM OPT, the operating entity must be E-Verify enrolled. Consult an immigration attorney for your specific situation.
NEMT companies, corporate shuttle services, rideshare fleet operations, freight brokerage, last-mile delivery, airport ground transportation, and charter transportation services all qualify.
Yes. Vehicle financing using the vehicle as collateral is available to F-1 OPT founders. We evaluate the business's revenue history and the vehicle's value — not immigration status.
We verify that commercial auto insurance is in place for financed vehicles but do not evaluate insurance as a primary funding criterion. Insurance documentation is part of standard business verification.
A single-vehicle owner-operator can qualify with $15K+ monthly revenue. Fleet operators with 5+ vehicles regularly qualify for $250K+ in expansion capital.