Key Takeaways
- Former H-2B workers in food processing, furniture, and specialty manufacturing often launch their own production businesses
- Bankable funds manufacturing businesses $25K–$5M based on production revenue — no green card required
- Equipment financing, working capital, and contract fulfillment capital all available
- SBA 2026 rule eliminated non-citizen manufacturing owners from all SBA programs
- 48-hour approvals for qualified manufacturing businesses
H-2B Workers Who Built Manufacturing Expertise
The H-2B program places workers in production environments across the country — food processing plants, furniture manufacturing operations, specialized assembly facilities, and custom fabrication shops. Workers who spend years in these environments gain deep knowledge of production processes, quality control, equipment operation, and supply chain management. Many have launched their own small manufacturing businesses, often in the same niche where they gained their expertise.
Manufacturing businesses require significant capital: equipment purchases, raw material inventory, working capital to bridge production-to-payment cycles. Banks combine the capital intensity of manufacturing with an immigration status decline screen and produce a predictable no. Bankable uses your production revenue and customer contracts as the primary underwriting criterion.
Manufacturing Capital Needs
- Production equipment: CNC machines, injection molding equipment, laser cutters, welding equipment, and assembly line machinery represent major capital investments.
- Raw material inventory: Manufacturing businesses must purchase raw materials before converting them into finished goods. A $50K–$300K inventory facility supports continuous production.
- Working capital: Manufacturing payment terms are often net-30 to net-60. A working capital line bridges the gap between production completion and client payment.
- Facility expansion: Growing from a small production facility to a larger one is a critical growth milestone that requires capital for lease deposits, equipment moves, and expanded capacity.
Equipment Financing
CNC machines, production equipment, and manufacturing machinery. Asset-secured for better rates.
Learn More →Working Capital
Bridge production-to-payment cycles. Cover raw materials and payroll. Up to $500K.
Apply →Revenue-Based Funding
Based on production revenue. Repay as a percentage of daily deposits.
Apply Now →Frequently Asked Questions
Yes. Bankable funds manufacturing businesses regardless of the owner's immigration status. Production revenue is the primary criterion.
We fund food manufacturing, furniture production, metal fabrication, plastic injection molding, custom apparel production, specialty manufacturing, and assembly operations.
Yes. Equipment financing is available for CNC machines, production equipment, and manufacturing machinery. The equipment serves as collateral.
Funding depends on annual revenue. A manufacturer generating $600K–$2M annually typically qualifies for $150K–$600K in initial funding.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen manufacturing owners. Bankable is private capital with no citizenship requirement.
Yes. Working capital lines are designed exactly for manufacturing payment lag. Draw to cover raw materials and payroll, repay as client invoices clear.
Six months of business bank statements, your EIN, business license, and personal identification. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.