Key Takeaways
- Inventory financing is available to K-1 EAD holders for retail, wholesale, and distribution
- Bankable funds inventory without requiring a green card or US citizenship
- Seasonal inventory purchases (Q4, back-to-school, ethnic holidays) are a primary use case
- E-commerce, retail stores, wholesale distributors, and food businesses all qualify
- Revenue-based repayment aligned with inventory sell-through cycles
Inventory financing solves the fundamental working capital challenge of product businesses: you must buy inventory before you can sell it, but you don't have the cash until after you sell it. Banks won't finance inventory for K-1 holders. Bankable provides inventory financing for K-1 business owners from $25K to $5M, based on your sales history and inventory turnover. Whether you're stocking a retail store for the holiday season, ordering a bulk shipment of products from overseas, or building up inventory for a major sales event, Bankable funds the inventory so you can focus on selling.
The K-1 Funding Challenge
- Seasonal inventory purchases require large capital injections 60-90 days before selling season
- Import MOQ (minimum order quantities) force bulk purchases that strain cash flow
- Banks require 2+ years of US business history and green card status for inventory lines
- SBA working capital loans are unavailable to K-1 AOS holders
- Inventory sitting in a warehouse doesn't generate revenue -- capital must be recovered through sales
- Product shortages caused by insufficient inventory capital cause lost sales and customer churn
Bankable Solutions for K-1 Business Owners
- Seasonal Inventory Advance ($25K-$2M): Fund your pre-season inventory purchase. Repay as inventory sells through.
- Import Order Financing: Fund bulk import orders from overseas manufacturers. Repay from domestic sales.
- Revolving Inventory Line: A revolving credit facility that replenishes as you sell and repurchase.
- Amazon/Shopify Inventory Funding: Finance inventory specifically for Amazon FBA, Shopify, or other e-commerce platforms.
- Wholesale Distribution Inventory: Fund inventory for a distribution business with net-30 retailer accounts.
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 →Frequently Asked Questions
No. Bankable does not require a green card or US citizenship for any of its funding products. A valid EAD and a registered US business entity are the primary requirements.
Bankable makes decisions within 48 hours of receiving complete documentation. Funding typically arrives within 3-5 business days of approval.
SBA rules require all 20%+ business owners to be US citizens or lawful permanent residents. K-1 holders in AOS are excluded regardless of revenue or business quality. Bankable fills this gap.
Typically 3-6 months of business bank statements, your EIN, proof of business ownership, and your EAD. The Bankability Score tool provides a personalized document list in 5 minutes.
Retail stores (physical or online), e-commerce sellers, wholesale distributors, import businesses, food processors, beauty supply distributors, and any product business with consistent sales history qualifies.
Yes. If you import products from your home country and sell them in the US, Bankable can finance those inventory purchases. You'll need US business registration, import compliance documentation, and sales history.
Typically 1x-2x monthly sales revenue. A store doing $40K/month in sales could access $40K-$80K in inventory financing. During peak seasons, Bankable may advance more based on historical seasonal patterns.
Inventory financing is specifically tied to and repaid from your inventory sales cycle. A general business loan has fixed payments regardless of inventory sell-through. Bankable's inventory financing aligns payments with actual sales -- slower sales, lower payments.