Key Takeaways
- Former H-2B workers in textile, garment production, and hospitality often launch fashion and apparel businesses
- Bankable funds fashion and apparel businesses $25K–$5M based on sales revenue — no green card required
- Inventory financing, production capital, and working capital all available
- SBA 2026 rule eliminated non-citizen apparel business owners from all SBA programs
- 48-hour approvals for qualified fashion businesses
H-2B Workers Launching Fashion and Apparel Businesses
Fashion and apparel businesses founded by former H-2B workers often blend cultural heritage with contemporary design — traditional Mexican textiles in modern silhouettes, Caribbean-inspired resort wear, or Central American craft traditions applied to fashion accessories. These businesses serve both the mainstream market and the large immigrant consumer community that craves authentic cultural expression in their clothing and accessories.
Fashion businesses require working capital for inventory and production cycles. Bankable funds these businesses on documented sales revenue — no citizenship required.
Fashion & Apparel Business Capital Needs
- Inventory investment: Fashion businesses must purchase or produce inventory before it is sold. A $50K–$200K inventory facility is the most common capital need.
- Production capital: Custom apparel brands require capital for fabric sourcing, pattern making, sample production, and initial production runs.
- Marketing: Social media advertising, influencer partnerships, and trade show participation are essential for brand awareness.
- Wholesale expansion: Moving from direct-to-consumer to wholesale requires producing larger quantities before orders are paid.
Inventory Financing
Finance inventory purchases and production runs before revenue arrives. Up to $500K.
Apply →Working Capital
Cover operating costs, marketing, and trade shows. Draw as needed. Up to $200K.
Apply →Frequently Asked Questions
Yes. Bankable funds fashion and apparel businesses regardless of the owner's immigration status. Documented sales revenue is the primary criterion.
We fund clothing brands, apparel retailers, fashion designers, textile businesses, costume and uniform manufacturers, and fashion accessories companies.
Yes. Inventory financing allows you to purchase or produce apparel inventory before it has been sold.
Funding depends on annual revenue. A fashion brand generating $400K–$1.2M annually might qualify for $75K–$400K.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen apparel business owners. Bankable is private capital with no citizenship requirement.
Yes. Working capital lines can fund trade show participation, advertising campaigns, and marketing investments.
Six months of business bank statements, 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.