Key Takeaways
- Bankable's 2026 requirements are simple: revenue, bank statements, EIN, and ID
- No green card, no citizenship certificate, no immigration documents required
- Minimum $150,000 in annual business revenue required
- 580+ personal FICO score for initial pre-approval
- 6+ months of business bank statements required
What Bankable Requires to Fund Your Business in 2026
The 2026 funding landscape for H-2B business owners has changed significantly with the SBA citizenship rule — but Bankable's requirements have not changed. We continue to underwrite on revenue, not immigration status. Here is a complete and current breakdown of what Bankable requires to fund an H-2B-background business in 2026.
Hard Requirements (Non-Negotiable)
- Valid U.S. Social Security Number: Required for identity verification. H-2B workers receive SSNs as part of their visa authorization. SSNs obtained through H-2B remain valid through subsequent immigration status changes.
- Business Employer Identification Number (EIN): Required. Apply free at IRS.gov in 10 minutes if you don't have one.
- U.S. Business Bank Account: Required. Must be in your business's name, not your personal name. Must have at least 6 months of transaction history.
- Minimum $150,000 in Annual Business Revenue: Verified through 6 months of business bank statements.
- Minimum 6 Months in Business: With documented bank statement history. Pre-revenue businesses do not qualify.
- Minimum 580 Personal FICO Score: We do a soft credit pull for initial pre-approval. Scores below 580 are typically declined regardless of revenue.
What Is NOT Required in 2026
- Green card or permanent resident card
- U.S. citizenship certificate or passport
- Immigration documents of any kind
- Business plan or financial projections
- Tax returns (for initial application)
- Collateral (for revenue-based and working capital products)
How Bankable Has Changed in 2026
Bankable has not changed its core underwriting philosophy in response to the 2026 SBA rule. We have seen a significant increase in applications from non-citizen business owners who previously relied on SBA options. We have expanded our capacity to serve this community and continue to fund based on revenue, not immigration status. Bankable in 2026 is the same Bankable as before the SBA rule change — private capital, revenue-first, citizenship-agnostic.
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Apply Now →Documents Needed
Complete guide to what documents you'll need for your Bankable application.
Learn More →SBA Alternative
Complete breakdown of the 2026 SBA rule and Bankable's alternative products.
Read More →Frequently Asked Questions
The requirements are: valid SSN, business EIN, business bank account with 6+ months of history, $150K+ in annual revenue, 580+ personal FICO score, and 6+ months in business. No green card or immigration documents required.
No. Bankable has not changed its core requirements. We have always funded based on revenue without citizenship requirements. The SBA rule change has increased applications from non-citizen business owners, but our underwriting standards remain the same.
We require a personal FICO score of 580+. This is a soft pull for initial pre-approval. The primary qualification is business revenue, not personal credit score.
We require at least $150,000 in annual business revenue ($12,500 per month), verified through 6 months of business bank statements.
Equipment financing may be available with 3 months of business history for some situations. Most working capital products require 6 months of bank statement history.
We do not require your business to show a net profit. We evaluate cash flow and revenue from bank statements. Many businesses show paper losses due to depreciation or reinvestment while maintaining strong positive cash flow.
Personal FICO scores below 580 are typically declined regardless of business revenue. Focus on improving your personal credit score before applying. Actions: pay down credit card balances, dispute errors on your credit report, and ensure no missed payments going forward.
Most Bankable products require your business to be an LLC or corporation. Sole proprietors without a formal business entity face significantly more limitations. Forming an LLC is straightforward and inexpensive — typically $50–$200 in state filing fees.