Key Takeaways
- Inventory financing allows H-2B entrepreneur businesses to stock product before generating revenue
- Bankable provides inventory financing $25K–$2M based on business revenue — no green card required
- Retail, food service, distribution, eCommerce, and manufacturing businesses all use inventory financing
- SBA 2026 rule eliminated non-citizen business owners from SBA inventory financing programs
- 48-hour decisions for qualified businesses
How Inventory Financing Works for H-2B Entrepreneur Businesses
Inventory financing solves one of the most common cash flow challenges for product-based businesses: you must purchase inventory before you can sell it and generate revenue. For retail stores, distributors, eCommerce businesses, and food businesses, the capital tied up in inventory is often the largest single working capital need.
Bankable provides inventory financing as either a revolving line of credit or a term facility — you draw to purchase inventory, and as inventory is sold and converted to cash, the advance is repaid. No green card required — your business's revenue history and inventory turnover are the primary underwriting criteria.
Industries That Use Inventory Financing
- Retail stores: Grocery, specialty food, beauty supply, clothing, and general merchandise stores maintain significant inventory that inventory financing efficiently supports.
- eCommerce businesses: Amazon FBA sellers, Shopify stores, and multichannel retailers need inventory capital to grow sales without depleting cash reserves.
- Seafood and food distributors: Purchasing perishable product before it is sold to restaurants and retailers requires immediate capital that inventory financing provides.
- Beverage distributors: Purchasing beer, wine, and non-alcoholic beverages before delivery to retail accounts.
- Building materials distributors: Former H-2B construction workers who launched supply businesses need inventory to fulfill contractor orders.
Revolving Inventory Line
Draw to purchase inventory. Repay as inventory sells. Up to $2M revolving facility.
Apply →Revenue-Based Funding
Based on your business's monthly revenue. Repay as a percentage of daily deposits.
Apply Now →Working Capital
Cover inventory and operating costs together. Up to $500K revolving line of credit.
Apply →Frequently Asked Questions
Yes. Bankable provides inventory financing regardless of the owner's immigration status. Business revenue and inventory turnover are the primary criteria.
Inventory financing is a credit facility that allows you to purchase inventory before it has been sold. As inventory sells and converts to cash, the advance is repaid. It is structured as a revolving line so you can draw and repay repeatedly.
Retail stores, eCommerce businesses, food distributors, beverage distributors, seafood wholesalers, and manufacturing businesses all qualify, as long as they have documented revenue and a track record of inventory turnover.
Inventory financing ranges from $25,000 to $2,000,000 depending on your business's annual revenue, inventory turnover rate, and overall cash flow.
The 2026 SBA rule eliminated non-citizen business owners from all SBA programs including those with inventory financing components. Bankable is private capital with no citizenship requirement.
For smaller inventory facilities ($100K and under), we typically rely on bank statement documentation of inventory purchases and sales. Larger facilities may require inventory documentation.
Six months of business bank statements, your EIN, and personal identification. Inventory purchase documentation helps but is not always required for initial applications. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.