Documents K-1 Visa Holders Need to Get Business Funding

Key Takeaways

Bankable's document list is short: EAD, bank statements, business ID docs, voided check.
No tax returns from prior years are required for K-1 AOS holders.
No collateral documents (deed, title, appraisal) are needed.
Applications submitted with complete documents are decided within 48 hours.
All documents can be uploaded securely online — no in-person visit required.

One of the biggest frustrations K-1 fiancé(e) visa holders face when seeking business funding is assembling documents for a process designed for citizens or long-term residents. Banks ask for three years of tax returns, W-2s, Schedule C filings, and proof of assets — none of which a recent K-1 entrant can realistically provide. Bankable's document requirements are designed around what you actually have access to as a K-1 EAD holder running a U.S. business.

This guide provides the complete, current document checklist for K-1 applicants, explains why each document is needed, and identifies what you do NOT need to include.

The Complete K-1 Funding Document Checklist

1. Valid EAD (Form I-766)

A clear photo or scan of both sides of your Employment Authorization Document. This confirms your legal right to operate a business in the United States. Your EAD must be valid (not expired) at the time of application.

2. Business Bank Statements (3–6 months)

PDF exports from your online banking portal or scanned originals of your business checking account statements. Bankable's underwriters analyze these for average monthly deposits, consistency, and trend. Personal bank statements may supplement but do not replace business statements.

3. Business Formation Documents

One of the following: Articles of Incorporation (for corporations), Articles of Organization (for LLCs), or a DBA (Doing Business As) registration certificate (for sole proprietors). This confirms the legal existence of your business entity.

4. Voided Business Check

A voided check from your business checking account confirms the routing and account number for fund disbursement. If you do not have paper checks, a bank-issued letter with routing and account numbers is accepted.

5. Government-Issued Photo ID (Passport or State ID)

A scan or photo of your valid passport or a U.S. state-issued ID. This is separate from the EAD and is used for identity verification under KYC (Know Your Customer) compliance requirements.

Optional Supporting Documents

These are not required but can strengthen your application or resolve underwriter questions:

I-485 receipt notice (confirms AOS filing date)
Most recent personal or business tax return (if available)
Merchant processing statements (if you accept card payments)
Accounts receivable aging report (for B2B businesses)
Lease or rental agreement for your business location

What You Do NOT Need

Green card or permanent residency documentation
Two or three years of U.S. tax returns
Personal financial statements or net worth documentation
Collateral appraisals, deeds, or vehicle titles
Business plan or financial projections
SBA forms of any kind

Core Documents

48 hrs

Approval After Submission

$25K–$5M

Funding Range

Collateral Docs Needed

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

<
p
>
A
l
l
d
o
c
u
m
e
n
t
s
a
r
e
u
p
l
o
a
d
e
d
t
h
r
o
u
g
h
B
a
n
k
a
b
l
e
'
s
s
e
c
u
r
e
o
n
l
i
n
e
p
o
r
t
a
l
.
Y
o
u
d
o
n
o
t
n
e
e
d
t
o
v
i
s
i
t
a
b
r
a
n
c
h
,
m
a
i
l
o
r
i
g
i
n
a
l
s
,
o
r
u
s
e
a
n
o
t
a
r
y
.
T
h
e
p
o
r
t
a
l
a
c
c
e
p
t
s
P
D
F
,
J
P
G
,
a
n
d
P
N
G
f
o
r
m
a
t
s
.
F
i
l
e
s
i
z
e
l
i
m
i
t
s
a
r
e
g
e
n
e
r
o
u
s
e
n
o
u
g
h
t
o
a
c
c
o
m
m
o
d
a
t
e
h
i
g
h
-
r
e
s
o
l
u
t
i
o
n
s
c
a
n
s
.
<
/
p
>
<
p
>
O
n
c
e
y
o
u
r
c
o
m
p
l
e
t
e
d
o
c
u
m
e
n
t
p
a
c
k
a
g
e
i
s
s
u
b
m
i
t
t
e
d
,
a
n
u
n
d
e
r
w
r
i
t
e
r
r
e
v
i
e
w
s
i
t
w
i
t
h
i
n
o
n
e
b
u
s
i
n
e
s
s
d
a
y
.
I
f
a
n
y
d
o
c
u
m
e
n
t
i
s
u
n
c
l
e
a
r
o
r
m
i
s
s
i
n
g
,
B
a
n
k
a
b
l
e
'
s
t
e
a
m
w
i
l
l
c
o
n
t
a
c
t
y
o
u
w
i
t
h
i
n
h
o
u
r
s
—
n
o
t
d
a
y
s
—
w
i
t
h
a
s
p
e
c
i
f
i
c
r
e
q
u
e
s
t
.
T
h
i
s
b
a
c
k
-
a
n
d
-
f
o
r
t
h
i
s
r
a
r
e
w
h
e
n
t
h
e
c
h
e
c
k
l
i
s
t
a
b
o
v
e
i
s
f
o
l
l
o
w
e
d
c
a
r
e
f
u
l
l
y
.
<
/
p
>
<
p
>
S
t
a
r
t
y
o
u
r
a
p
p
l
i
c
a
t
i
o
n
a
t
<
a
h
r
e
f
=
"
h
t
t
p
s
:
/
/
b
a
n
k
a
b
l
e
f
u
n
d
s
.
c
o
m
/
b
a
n
k
a
b
i
l
i
t
y
-
s
c
o
r
e
/
"
s
t
y
l
e
=
"
c
o
l
o
r
:
v
a
r
(
-
-
g
o
l
d
)
"
>
b
a
n
k
a
b
l
e
f
u
n
d
s
.
c
o
m
/
b
a
n
k
a
b
i
l
i
t
y
-
s
c
o
r
e
/
<
/
a
>
t
o
s
e
e
y
o
u
r
f
u
n
d
i
n
g
e
s
t
i
m
a
t
e
b
e
f
o
r
e
y
o
u
g
a
t
h
e
r
a
n
y
d
o
c
u
m
e
n
t
s
.
<
/
p
>

Why Banks Fail K-1 Entrepreneurs

Traditional banks evaluate business loan applications through a lens built for citizens and permanent residents. They demand two or more years of US tax returns, a Social Security number with a long credit history, and often require a green card or citizenship as an unstated condition. K-1 holders in the adjustment of status period rarely meet all these criteria simultaneously.

Bankable funds revenue, not immigration documents. Check your Bankability Score in 5 minutes with no hard credit pull. Explore SBA alternatives and revenue-based products.

Revenue-Based Funding

Up to $5M tied to your monthly business revenue. No green card required. 48-hour decision.

Apply Now →

Equipment Financing

Asset-backed funding for K-1 business owners. Fast approval, EAD-eligible.

Learn More →

Working Capital Bridge

Bridge cash flow gaps during AOS. Flexible repayment tied to your revenue.

Check Score →

Documents K-1 Visa Holders Need to Get Business Funding

Key Takeaways

The Complete K-1 Funding Document Checklist

1. Valid EAD (Form I-766)

2. Business Bank Statements (3–6 months)

3. Business Formation Documents

4. Voided Business Check

5. Government-Issued Photo ID (Passport or State ID)

Optional Supporting Documents

What You Do NOT Need

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

Why Banks Fail K-1 Entrepreneurs

Revenue-Based Funding

Equipment Financing

Working Capital Bridge

Frequently Asked Questions

Submit Your Documents — Get Funded in 72 Hours Short list. Fast decision.

Apply in 5 Minutes.
Decision in 48 Hours.

Documents K-1 Visa Holders Need to Get Business Funding

Key Takeaways

The Complete K-1 Funding Document Checklist

1. Valid EAD (Form I-766)

2. Business Bank Statements (3–6 months)

3. Business Formation Documents

4. Voided Business Check

5. Government-Issued Photo ID (Passport or State ID)

Optional Supporting Documents

What You Do NOT Need

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

Why Banks Fail K-1 Entrepreneurs

Revenue-Based Funding

Equipment Financing

Working Capital Bridge

Frequently Asked Questions

Submit Your Documents — Get Funded in 72 Hours Short list. Fast decision.

Apply in 5 Minutes.Decision in 48 Hours.

Apply in 5 Minutes.
Decision in 48 Hours.