Key Takeaways
- Former H-2B workers are increasingly launching eCommerce businesses leveraging their industry supply chain knowledge
- Bankable funds eCommerce businesses $25K–$5M based on online revenue — no green card required
- Inventory financing, working capital, and growth capital all available
- SBA 2026 rule eliminated non-citizen eCommerce owners from all SBA programs
- 48-hour approvals for qualified eCommerce businesses
H-2B Industry Knowledge Fueling eCommerce Success
Former H-2B workers who built expertise in landscaping, food processing, hospitality supply chains, and specialty manufacturing are increasingly launching eCommerce businesses that leverage that industry knowledge. The former H-2B seafood processing worker who launches an online specialty seafood retailer. The former H-2B floral industry worker who launches a dried flower eCommerce brand. The former H-2B food production worker who creates a specialty Hispanic foods brand sold through Amazon and their own Shopify store.
These are not random eCommerce experiments. They are informed entrepreneurs applying industry supply chain knowledge to a direct-to-consumer channel. Bankable funds these businesses on their documented online revenue — not on their immigration status.
eCommerce Business Capital Needs
- Inventory investment: eCommerce businesses must purchase inventory before generating revenue. A $50K–$200K inventory facility is the most common use of eCommerce funding.
- Advertising and customer acquisition: Meta Ads, Google Shopping, and Amazon PPC campaigns require upfront spend before returns materialize. A $20K–$80K marketing facility can unlock 3–5x return on ad spend.
- Fulfillment infrastructure: Warehouse space, packaging equipment, and fulfillment software as businesses scale from spare-bedroom to professional operations.
- Product development: Private labeling, product photography, and packaging design are upfront investments that establish brand positioning.
- Platform fees and software: Shopify, Amazon FBA fees, and multichannel management software are operating costs that working capital lines efficiently cover.
Inventory Financing
Purchase inventory before revenue arrives. Repay as inventory converts to sales. Up to $2M.
Apply →Revenue-Based Funding
Based on your monthly online revenue. Repay as a percentage of daily deposits.
Apply Now →Marketing Capital
Fund ad campaigns and customer acquisition. Repay from the revenue those campaigns generate.
Apply →Frequently Asked Questions
Yes. Bankable funds eCommerce businesses regardless of the owner's immigration status. Revenue from Amazon, Shopify, Etsy, or other platforms is our primary underwriting criterion.
We fund Amazon FBA sellers, Shopify stores, multichannel retailers, dropshipping businesses, private label brands, and wholesale eCommerce distributors.
We provide capital to purchase inventory before it has been sold. The inventory serves as partial collateral. Repayment occurs as the inventory is sold and cash deposits into your bank account.
Yes. Working capital and revenue-based funding can be used for advertising spend, which is one of the highest-return uses of eCommerce capital.
Funding depends on monthly revenue. A business generating $50K per month in online sales might qualify for $100K–$300K. Higher-volume sellers can access more.
The 2026 SBA rule requires 100% citizenship for all SBA loans, eliminating non-citizen eCommerce owners. Bankable is private capital with no citizenship requirement.
Six months of business bank statements, Shopify or Amazon seller reports, your EIN, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.