Key Takeaways
- Bankable funds H-1B landscaping 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
Commercial landscaping is a $105 billion industry with highly predictable seasonal revenue. A company with 50 commercial maintenance contracts generating $30,000 to $80,000 per month during the April through November season has a genuinely fundable, documentable revenue stream. The challenge is capital timing: equipment must be purchased in winter, crews hired in early spring, and working capital available before the first mowing invoice is issued.
H-1B landscaping operators range from sole proprietors with residential routes to mid-size commercial grounds maintenance companies serving office parks, HOAs, and institutional clients. Capital needs at each stage are well-defined: commercial mowers ($8,000 to $25,000), trucks and trailers ($35,000 to $80,000 per crew rig), and seasonal payroll ramp-up.
The SBA's March 2026 citizenship rule eliminated H-1B landscaping companies from 7(a) access entirely. Bankable provides a direct path to revenue-based funding without any citizenship test.
Capital Uses for H-1B Landscaping Operators
- Commercial Equipment: Zero-turn mowers, backpack blowers, trimmers, aerators, and specialty grounds equipment required for commercial contract compliance.
- Crew Vehicle Fleet: Pickup trucks and trailers for each crew. A 3-crew landscaping company needs 3 truck-and-trailer rigs at $35,000 to $80,000 each.
- Seasonal Payroll Ramp: Hiring and training 5 to 20 seasonal crew members before the season revenue arrives requires 60 to 90 days of payroll capital.
- Snow Removal Equipment: Year-round landscaping companies add snow plowing to fill winter revenue gaps. Plow attachments, spreaders, and ice melt inventory.
- Client Acquisition Capital: Underbidding new commercial contracts to win them, then funding the equipment and labor to deliver.
| 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 landscaping 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 $15,000 in monthly revenue for initial consideration. Businesses at qualifying revenue levels access initial tranches of $50K to $300K.
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.