Key Takeaways
- Bankable funds H-1B security services 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
Security services — including guard services, surveillance system installation, and alarm monitoring — generate highly predictable recurring revenue. Commercial security contracts run for 2 to 5 years with monthly billing. A security company with 50 guards under contract generates $2M to $5M in annual revenue.
H-1B holders operating security businesses typically manage licensed security personnel while maintaining their own sponsored employment. The capital needs are primarily around contract startup: hiring and training guards before the first month's billing is received, and purchasing surveillance equipment before system installation revenue is paid.
The SBA March 2026 rule eliminated H-1B security services businesses from 7(a) loan access. Bankable provides a direct path to revenue-based funding without any citizenship test.
Capital Uses for H-1B Security Services Operators
- Guard Payroll Bridge: New commercial security contracts require hiring and paying guards 30 to 45 days before the first monthly invoice is paid.
- Surveillance Equipment: IP cameras, recording systems, access control hardware, and monitoring infrastructure for system installation contracts.
- Licensing and Bonding: State security contractor licenses, guard licensing, and surety bonds required for commercial security contracts.
- Uniform and Equipment: Guard uniforms, radios, body cameras, and standard equipment for each contracted guard position.
- New Contract Startup Capital: Mobilizing for a new contract — badges, training, background checks, and startup supplies — before billing begins.
| 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 security services 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.