Key Takeaways
- Former H-2B workers who pursued healthcare careers after gaining work authorization now own medical practices
- Bankable funds healthcare practices $25K–$5M based on practice revenue — no green card required
- Equipment financing, working capital, and practice expansion all available
- SBA 2026 rule eliminated non-citizen healthcare practice owners from all SBA programs
- 48-hour approvals for qualified healthcare businesses
From H-2B Worker to Healthcare Entrepreneur
The path from H-2B seasonal worker to healthcare practice owner is longer than most of the entrepreneurial journeys in this community, but it is more common than it might appear. Former H-2B workers who gained work authorization enrolled in nursing programs, medical assistant programs, physical therapy programs, and eventually medical school or advanced practice programs. Some completed their H-2B seasons while simultaneously taking prerequisite courses. Others used the income from H-2B seasons to fund their education.
Today, there are thousands of physicians, nurse practitioners, physician assistants, physical therapists, chiropractors, and other licensed healthcare providers in the United States who began their American journey on an H-2B visa. Many own their own practices. Bankable funds these practices on their documented revenue — not on the owner's immigration status.
Healthcare Practice Capital Needs
- Medical equipment: Diagnostic imaging, ultrasound, laboratory equipment, examination tables, and specialty treatment equipment represent major capital investments for independent practices.
- Practice acquisition: Buying an existing practice from a retiring physician is a common entry point. Practice purchase prices range from $200K to several million dollars.
- EMR and billing systems: Electronic health records, practice management software, and medical billing systems are essential infrastructure investments.
- Facility build-out: Converting commercial space into a functional medical office requires $50K–$200K in construction, plumbing, and specialty fit-out work.
- Accounts receivable bridge: Insurance reimbursement cycles are long — 30–90 days. Working capital bridges the gap between patient service and payment.
Medical Equipment Financing
Diagnostic imaging, ultrasound, laboratory, and specialty treatment equipment. Asset-secured.
Learn More →A/R Bridge Working Capital
Cover operating costs while insurance reimbursements process. Up to $500K revolving.
Apply →Practice Acquisition Funding
Partial funding for acquiring an existing medical practice. Evaluated on practice revenue.
Apply →Frequently Asked Questions
Yes. Bankable does not require a green card. Licensed healthcare practitioners with any valid work authorization and documented practice revenue qualify.
We fund primary care practices, specialty medical practices, urgent care centers, physical therapy practices, chiropractic offices, mental health practices, and multi-specialty groups.
Yes. Practice acquisition is one of our most common healthcare funding uses. We evaluate the acquisition based on the target practice's historical revenue and cash flow.
Working capital lines are designed exactly for this purpose — draw funds to cover payroll and operating expenses while you wait for insurance reimbursements to process.
Funding depends on annual revenue. A practice generating $800K–$2M annually might qualify for $200K–$800K. Larger practices can access more.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen practice owners. Bankable is private capital with no citizenship requirement.
Six months of business bank statements, EIN, professional license, practice revenue reports, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.