Key Takeaways
- SaaS MRR is an ideal basis for Bankable revenue-based funding
- Indian, Ukrainian, Romanian, and Brazilian K-1 software founders are common clients
- No equity dilution -- Bankable provides debt, not venture capital
- Software businesses can be built entirely during the AOS period with EAD
- Product development, infrastructure, and marketing can all be funded
Software and SaaS businesses represent the highest-leverage path for K-1 holders with technical backgrounds. An Indian software engineer or a Ukrainian full-stack developer can build a SaaS product during the 12-24 month AOS period. Bankable provides SaaS funding for K-1 EAD holders from $25K to $5M, based on MRR, with 48-hour decisions and zero equity dilution.
The K-1 Funding Challenge
- Pre-revenue development requires runway banks won't provide K-1 holders
- Cloud infrastructure costs scale rapidly with customer growth
- Sales and marketing for SaaS customer acquisition costs $5K-$50K+/month
- Developer salaries run $10K-$30K+/month for a small team
- SBA software loans unavailable to K-1 AOS holders
- Venture capital is slow, dilutive, and often complex for K-1 holders
Bankable Solutions for K-1 Business Owners
- MRR-Based Funding ($25K-$5M): Access 3x-12x your MRR as upfront capital.
- Infrastructure Scaling Capital: Fund AWS/GCP cost spikes as customer base grows.
- Sales & Marketing Funding: Finance performance marketing and sales team costs.
- Developer Payroll Bridge: Fund engineering salaries for 3-6 months.
- Product Expansion Funding: Finance new feature development and API build-outs.
Why Banks Fail K-1 Entrepreneurs
Traditional banks evaluate business loan applications through a lens built for citizens and permanent residents. K-1 holders in the adjustment of status period rarely meet their criteria — resulting in automatic denial letters and stalled businesses.
Bankable funds revenue, not immigration documents. Check your Bankability Score in 5 minutes with no hard credit pull. Learn more about 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
Yes. K-1 holders with a valid EAD can start and operate a software or SaaS business. The EAD grants full work authorization including business ownership.
SBA rules require all 20%+ business owners to be US citizens or lawful permanent residents. K-1 AOS holders are excluded regardless of revenue. Bankable fills this gap with revenue-based funding.
Bankable makes decisions within 48 hours of complete documentation. Funding typically arrives within 3-5 business days.
No. Bankable does not require a green card or US citizenship. A valid EAD and registered US business entity are the primary requirements.
Bankable generally starts at $5K MRR. At $5K MRR you might access $15K-$60K. At $50K MRR, $150K-$600K. At $200K+ MRR, $1M-$5M.
Different tools for different stages. Bankable provides non-dilutive debt early. Many K-1 SaaS founders use Bankable bridge funding while building toward VC traction thresholds.
Yes. Ukrainian K-1 engineers are among Bankable's most active SaaS clients. Your technical skills are world-class, and your business deserves world-class funding without giving up equity.
Pre-revenue businesses are evaluated case by case. Generally $5K+ MRR is the starting point, though signed LOIs or beta customers can support discussions earlier.