Key Takeaways
- H-4 EAD holders with engineering backgrounds are well-positioned for light manufacturing businesses
- Equipment financing for production machinery available without green card requirement
- Purchase order financing and inventory capital for manufacturing working capital gaps
- SBA manufacturing loans blocked for H-4 EAD holders — Bankable provides the alternative
- Up to $5M based on production revenue, purchase orders, and manufacturing contracts
Light manufacturing — garment production, food processing, consumer goods assembly, specialty component fabrication — is a growing sector for H-4 EAD entrepreneurs, particularly those with engineering or production management backgrounds from their home countries. The US manufacturing sector has a well-documented shortage of skilled production managers, and H-4 EAD holders with factory management experience bring capabilities that are genuinely valuable.
Manufacturing businesses have specific capital needs: equipment acquisition, raw material purchases before production runs, and working capital to bridge the gap between production completion and customer payment. Bankable's funding products are designed for exactly these gaps — purchase order financing, equipment loans, and working capital advances based on manufacturing contracts and revenue history.
Manufacturing Funding Products
- Equipment Financing: CNC machines, production lines, industrial ovens, packaging equipment — financed with the equipment as collateral
- Purchase Order Financing: Capital to fulfill large purchase orders before you receive payment
- Inventory/Raw Materials: Buy raw materials in bulk to reduce per-unit costs and meet production schedules
- Working Capital: Bridge the gap between production completion and customer payment (often net-30 to net-60)
Check your eligibility at Bankability Score or review manufacturing loan alternatives.
Frequently Asked Questions
Yes. Equipment financing for manufacturing machinery is available to H-4 EAD business owners. The equipment serves as collateral, making this one of the more accessible funding products.
Light manufacturing, food processing, garment production, consumer goods assembly, specialty fabrication — any manufacturing business with documented revenue.
Yes. Bankable provides working capital that functions similarly to PO financing — advances against expected manufacturing contract revenue.
Generally $20,000-$30,000 per month in production revenue across at least 6 months.
Yes. Raw material purchases are a standard use of manufacturing working capital.
We evaluate annual revenue trends and contract backlogs, not just the current month's cash flow. Long production cycles are accounted for in our underwriting.
A physical production space helps document that the business operates, but home-based light manufacturing and contract manufacturing arrangements are also evaluated.
Bank statements (3-6 months), production contracts or purchase orders, equipment lists, EIN, and business formation documents. No green card required.