K-1 Visa Business Funding Requirements in 2026

Key Takeaways

Bankable's three core requirements: valid EAD, 6+ months in business, $15K+ monthly revenue.
No green card, no citizenship, no SBA forms, no business plan required.
K-1 holders who meet these three criteria can apply and be approved the same week.
The 2026 SBA rule change does not affect Bankable -- private lenders set their own requirements.
Stronger revenue and longer operating history increase your offer amount, not your eligibility.

The business funding landscape for K-1 visa holders shifted significantly in 2026 with the SBA rule change that closed all government-backed loans to AOS applicants. But private lenders like Bankable operate under their own eligibility frameworks -- and Bankable's requirements for K-1 EAD holders are clear, fair, and achievable for any established business.

This guide covers exactly what Bankable requires in 2026 to approve a K-1 EAD holder for revenue-based business funding, what supporting documents you need to gather, and how the requirements compare to other lenders in the market.

Bankable's 2026 K-1 Funding Requirements

Requirement 1: Valid Employment Authorization Document (EAD)

You must hold a valid, unexpired EAD (Form I-766) at the time of application. Bankable accepts EADs issued under any K-1-related category code (C09 for pending AOS is the most common). Your EAD must not expire within 30 days of application submission. If your EAD is expiring soon, file for renewal before applying -- USCIS recommends filing 6 months before expiration.

Requirement 2: Minimum 6 Months of Business Operation

Your business must have been actively operating and generating revenue for at least six months prior to your application date. "Actively operating" means the business has been open, serving customers, and depositing revenue into a business bank account. Pre-revenue businesses, businesses in setup phase, or businesses with long periods of zero deposits do not qualify.

Requirement 3: Minimum $15,000 Average Monthly Gross Revenue

Your business must generate an average of $15,000 or more in gross monthly revenue. This is calculated from your business bank statement deposits over the most recent 3-6 months. Revenue from all business sources counts: sales, services, contracts, e-commerce, and recurring client payments.

Secondary Factors That Affect Your Offer

Meeting the three core requirements makes you eligible for Bankable funding. These secondary factors determine the size and terms of your offer:

Revenue trend: Growing revenue = larger offer
Deposit consistency: Regular, predictable deposits = better factor rate
Existing debt obligations: High existing daily ACH debits = lower offer to protect cash flow
Business type: Industry risk profile affects factor rate
Credit history: Reviewed but not determinative for K-1 holders with limited U.S. history

What Other Lenders Require vs. Bankable

For comparison: traditional bank term loans typically require 2+ years of tax returns, 720+ credit score, U.S. citizenship or permanent residency, and often collateral. SBA loans in 2026 require U.S. citizenship or national status for all 20%+ owners. Bankable requires none of these -- only the three criteria above.

Core Requirements

6 mo

Min Time in Business

$15K

Min Monthly Revenue

48 hrs

Approval Time

The K-1 Funding Challenge

Bankable Solutions for K-1 Business Owners

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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 →

K-1 Visa Business Funding Requirements in 2026

Key Takeaways

Bankable's 2026 K-1 Funding Requirements

Requirement 1: Valid Employment Authorization Document (EAD)

Requirement 2: Minimum 6 Months of Business Operation

Requirement 3: Minimum $15,000 Average Monthly Gross Revenue

Secondary Factors That Affect Your Offer

What Other Lenders Require vs. Bankable

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

Check Your 2026 K-1 Funding Eligibility Three requirements. Forty-eight hours.

Apply in 5 Minutes.
Decision in 48 Hours.

K-1 Visa Business Funding Requirements in 2026

Key Takeaways

Bankable's 2026 K-1 Funding Requirements

Requirement 1: Valid Employment Authorization Document (EAD)

Requirement 2: Minimum 6 Months of Business Operation

Requirement 3: Minimum $15,000 Average Monthly Gross Revenue

Secondary Factors That Affect Your Offer

What Other Lenders Require vs. Bankable

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

Check Your 2026 K-1 Funding Eligibility Three requirements. Forty-eight hours.

Apply in 5 Minutes.Decision in 48 Hours.

Apply in 5 Minutes.
Decision in 48 Hours.