Key Takeaways
- Bankable funds H-1B insurance brokerage businesses up to $5M based on documented revenue
- No green card, no permanent residency, no citizenship required for funding
- SBA March 2026 rule eliminated H-1B owners from all SBA 7(a) loan access
- 48-hour funding decisions — faster than any bank or SBA lender
- Check your Bankability Score in 30 seconds — no SSN upload
Insurance brokerage businesses generate recurring commission revenue from policy renewals — one of the most predictable income streams in all of professional services. A P&C broker with $2M in annual premium under management generates $200,000 to $400,000 in annual commissions. Life and benefits brokers generate recurring commissions from group health plans that renew annually.
H-1B insurance brokers — particularly those serving South Asian, Chinese, and Korean community businesses with specialized understanding of their insurance needs — have built substantial brokerage practices. Their client retention is exceptional because language and cultural competency matter enormously in insurance decision-making. Capital needs focus on book of business acquisition and staff expansion.
The March 2026 SBA rule eliminated H-1B insurance brokerage businesses from all 7(a) access. Bankable provides a direct path to revenue-based funding without any citizenship test.
Capital Uses for H-1B Insurance Brokerage Operators
- Book of Business Acquisition: Buying a retiring broker's client book: typically priced at 1.5 to 2x annual commissions. Capital intensive but highly predictable return.
- Producer Hiring: Hiring licensed insurance producers before their book of business commissions cover their salary.
- Carrier Appointment Costs: E&O insurance, carrier appointment fees, and licensing across multiple states for new lines of coverage.
- Technology and Quoting Platforms: Comparative rating platforms, agency management systems, and customer portal infrastructure.
- Marketing and Lead Generation: Digital marketing, community sponsorships, and referral program investment to build the client pipeline.
| Funding Source | H-1B Eligible? | Max Amount | Speed |
|---|---|---|---|
| SBA 7(a) — March 2026+ | No — US citizens only | $5M | 30–90 days |
| Traditional Banks | Rarely | Varies | 3–6 weeks |
| Bankable | Always yes | $5M | 48 hours |
For the full SBA alternative landscape for H-1B business owners, see our SBA alternative guide. Check your Bankability Score in 30 seconds to see your preliminary funding range.
Frequently Asked Questions
Yes. Bankable funds insurance brokerage businesses based on documented revenue. No green card or permanent residency required.
Effective March 1, 2026, the SBA requires 100% US citizen ownership. All H-1B business owners are excluded from SBA 7(a) loans.
Minimum $20,000 in monthly revenue for initial consideration. Businesses at qualifying revenue levels access initial tranches of $50K to $500K.
48-hour decision from completed application. The Bankability Assessment at /bankability-score/ gives a preliminary range in 30 seconds.
No. Bankable funds H-1B holders as sole applicants based on business revenue alone.
No. Bankable has zero residency requirements. H-1B, L-1, O-1, and other work visa holders all qualify for funding assessment based on business revenue alone.
Effective March 1, 2026, the SBA requires 100% US citizen or national ownership for all 7(a) and 504 programs. H-1B holders are completely excluded regardless of revenue or credit history.
48 hours from completed application. The Bankability Assessment at /bankability-score/ takes 30 seconds and gives a preliminary range immediately.