Key Takeaways
- Former H-2B workers who pursued software engineering careers often launch SaaS businesses serving their industries
- Bankable funds SaaS businesses with documented MRR $25K–$5M — no green card required
- Working capital, infrastructure, and team growth funding all available
- SBA 2026 rule eliminated non-citizen software business owners from all SBA programs
- 48-hour approvals for SaaS businesses with documented recurring revenue
SaaS Businesses Built on H-2B Industry Knowledge
Some of the most defensible SaaS businesses are built by founders with deep operational knowledge of a specific vertical. Former H-2B landscaping workers who became software engineers built landscaping management platforms. Former H-2B hospitality workers built hotel operations software. Former H-2B food processing workers built food safety compliance platforms. These founders understand the problems they're solving from the inside — they lived them.
SaaS businesses with documented MRR are highly bankable. Recurring revenue, high retention, and predictable growth create exactly the cash flow profile that Bankable underwrites. No citizenship required — just documented revenue.
SaaS Business Capital Needs
- Product development: Engineering talent is the primary cost for growing SaaS companies. Working capital funds developer payroll while MRR grows.
- Customer acquisition: SaaS CAC can be significant. Funding customer acquisition before LTV is fully realized is the classic SaaS growth capital need.
- Infrastructure scaling: Cloud hosting costs scale with usage. Infrastructure investment enables onboarding larger enterprise clients.
- Sales team: Hiring enterprise sales reps and customer success managers requires payroll investment before those reps close enough revenue to be self-funding.
Revenue-Based Funding
Based on MRR. Repay as a percentage of daily deposits. Perfectly aligned with SaaS economics.
Apply →Working Capital Line
Cover engineering payroll and cloud infrastructure costs between funding rounds. Up to $500K.
Apply →Equipment Financing
Servers, workstations, and development hardware. Asset-secured for better rates.
Learn More →Frequently Asked Questions
Yes. Bankable funds SaaS businesses regardless of the owner's immigration status. Documented MRR is the primary criterion.
We fund vertical SaaS platforms, B2B software companies, API businesses, marketplace platforms, and subscription software businesses with documented monthly recurring revenue.
We typically require $15,000+ in monthly recurring revenue (annualized $180K+) for our standard products. Higher MRR businesses can access larger facilities.
The 2026 SBA rule requires 100% citizenship, eliminating non-citizen software business owners. Bankable is private capital with no citizenship requirement.
Repayment is a fixed percentage of daily bank deposits — typically 5–12%. As your MRR grows, repayment accelerates. In slower months, repayment is lower. It perfectly aligns with SaaS economics.
Yes. Revenue-based funding is commonly used as a bridge between equity rounds — providing growth capital without dilution.
Six months of business bank statements, your EIN, and MRR documentation from your payment processor. No green card required.
Most applications receive a decision within 48 hours. Funds are typically deposited within 3–5 business days.