Key Takeaways
- Bankable funds H-1B logistics 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
The 3PL and warehousing sector has grown dramatically with the ecommerce boom. A mid-size 3PL operating a 50,000 square foot facility and generating $3M to $8M in annual throughput fees has the kind of contractual, recurring revenue that sophisticated lenders value. Warehouse space, forklifts, conveyor systems, inventory management software, and labor are the primary capital needs.
H-1B holders operating logistics businesses — particularly Indian-American entrepreneurs who built freight forwarding, customs brokerage, and 3PL businesses — now face a funding gap created by the SBA's citizenship rule. Their contracts with Amazon, Walmart, and regional retailers represent blue-chip revenue that any reasonable lender should fund against.
The March 2026 SBA rule eliminated H-1B logistics operators from SBA working capital and equipment loans. Bankable provides a direct path to revenue-based funding without any citizenship test.
Capital Uses for H-1B Logistics Operators
- Warehouse Equipment: Forklifts, pallet jacks, conveyor systems, racking, and dock equipment. Typical warehouse equipment investment: $100,000 to $500,000.
- Facility Lease Deposits: Industrial warehouse leases require 3 to 6 months of security deposits. Bankable funds these deposits against existing client contracts.
- Staffing Ramp: Warehouse staffing for new client onboarding requires payroll capital 30 to 60 days before throughput fees are invoiced.
- Technology Integration: WMS software, EDI connectivity, barcode scanning, and client portal development for new 3PL client onboarding.
- Fleet for Last-Mile Delivery: Adding delivery capability to a warehousing operation requires vehicle acquisition and insurance capital.
| 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 logistics 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 $30,000 in monthly revenue for initial consideration. Businesses at qualifying revenue levels access initial tranches of $100K to $1M.
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.