Key Takeaways
- Bankable provides 48-hour decisions — much faster than SBA's 30–90 day process
- Funds are typically deposited within 3–5 business days of approval
- Equipment financing may take slightly longer due to equipment verification
- No green card required — immigration status does not slow the process
- Call (786) 443-5511 for urgent situations requiring expedited processing
Bankable's Funding Timeline: 48 Hours to Decision, 3–5 Days to Funding
Speed is one of the most significant advantages Bankable offers over both conventional banks and SBA loan programs. When a former H-2B entrepreneur's business needs capital — for equipment, for a seasonal ramp-up, for an emergency, or for growth — waiting three months for an SBA decision is not a viable option for most real business needs.
Bankable's underwriting process is designed for speed without compromising accuracy. We use automated bank statement analysis to extract revenue, cash flow, and pattern data from your bank statements within hours of application. Our credit team reviews the analysis and can make a funding decision within 48 hours of receiving your complete application.
The Bankable Funding Timeline
| Step | Timeline |
|---|---|
| Application submission | Day 0 — 5 minutes online |
| Bank statement analysis | Hours 1–4 after submission |
| Credit review and decision | Within 48 hours of submission |
| Offer presented and accepted | Day 2–3 |
| Final document verification | Day 3 |
| Funding deposited to your account | Day 3–5 (business days) |
Compared to Your Alternatives
- SBA 7(a) loans: 30–90 days for a decision. 30–60 additional days for funding after approval. Total: 2–5 months. And non-citizens are now ineligible.
- Conventional bank loans: 30–90 days for a decision. Most decline non-permanent residents at pre-qualification. Total: 1–3 months if they even process the application.
- Merchant cash advances (online lenders): Often 1–3 days, but typically much higher costs than Bankable's products. Bankable is in a different cost tier from high-cost MCAs.
- Bankable: 48-hour decision. 3–5 day funding. No citizenship requirement. Cost between bank rates and high-cost MCA rates.
Apply Now — 48 Hour Decision
5-minute application. Decision in 48 hours. No green card required.
Apply Now →Emergency Capital
Business emergencies can't wait. Learn about our expedited processing options.
Learn More →Call for Urgent Situations
(786) 443-5511 — bilingual support. Call for immediate assistance.
Call Now →Frequently Asked Questions
Bankable provides decisions within 48 hours of receiving a complete application including your bank statements.
Funds are typically deposited within 3–5 business days of approval and final document completion.
No. Immigration status does not affect the speed of Bankable's underwriting. We do not require immigration documentation, so there is no immigration-related delay in the process.
SBA loans take 30–90 days for a decision and 30–60 additional days for funding. Bankable decides in 48 hours and funds in 3–5 business days. And non-citizens are no longer eligible for SBA anyway.
Submit all required documents with your initial application: 6 months of business bank statements, your EIN, business license, and personal ID. Incomplete applications cause delays.
Equipment financing may take 1–2 additional business days due to equipment verification and appraisal requirements. Revenue-based working capital and lines of credit are the fastest products.
No. Bankable provides 48-hour decisions but not same-day funding. For truly same-day needs, a business credit card is the only option.
If denied, Bankable will provide the primary reason for denial. The most common reasons are insufficient revenue, insufficient business history, or credit score below our minimum threshold. Applicants who are denied can reapply after 90 days if their business situation has improved.