Key Takeaways
- H-1B, TN, L-1, O-1 consultants qualify for Bankable funding with SSN and project revenue
- Invoice and contract revenue accepted alongside bank statements for underwriting
- Business lines of credit ideal for managing project-to-payment gaps in consulting
- Solo consultants and multi-partner firms both funded based on revenue history
- 48-hour decisions for consulting practices with 6+ months of revenue
Consulting Business Funding for Visa Holders with SSN addresses the capital needs of non-citizen entrepreneurs in the consulting sector — businesses owned by individuals with valid SSNs from H-1B, DACA, TN, L-1, TPS, EAD, and all other work-authorized categories who have built operations that deserve funding based on their business results, not their immigration status.
The March 1, 2026 SBA rule change eliminated government-backed lending for all non-citizens, but Bankable's consulting funding programs operate entirely independently of SBA eligibility. Our underwriting focuses on contract values, invoice cycles, client concentration, and billable hour metrics — the actual metrics that predict whether a consulting business will successfully repay capital investment.
SBA Loans vs. Traditional Banks vs. Bankable
The March 1, 2026 SBA rule change eliminated all non-citizen, non-national applicants from SBA 7(a) and 504 programs. Here is how your options compare:
| Factor | SBA 7(a) (Pre-2026) | Traditional Bank | Bankable |
|---|---|---|---|
| Green Card Required? | No (changed Mar 1, 2026) | Usually yes | Never |
| Citizenship Required? | Yes (as of Mar 1, 2026) | Sometimes | No |
| SSN Accepted? | N/A (citizenship required) | Rarely alone | Yes — primary requirement |
| Decision Speed | 30-90 days | 30-60 days | 48 hours |
| Max Funding | $5M (if eligible) | Varies | Up to $5M |
| Collateral | Required | Required | Revenue-based, minimal |
| Min. Revenue | Varies | $500K+ | $120K annual |
Qualification Criteria for Consulting Business Owners
- Valid SSN from any legal work authorization (H-1B, DACA, TN, L-1, EAD, TPS, etc.)
- Business EIN and US business bank account in the business name
- 6+ months of operating history with consistent revenue deposits
- Minimum $10,000 monthly revenue ($120,000 annually)
- Personal credit score 580+ (higher revenue can partially offset lower credit)
Funding Products Available to Consulting Non-Citizens
Bankable structures capital for consulting businesses across several product types, all without green card or citizenship requirements:
- Revenue-Based Advances: Repaid as percentage of monthly revenue — ideal for consulting businesses with variable income
- Business Term Loans: Fixed amount and term for planned investments — equipment, expansion, or renovation
- Equipment Financing: Asset-backed at lower rates — the equipment itself reduces lender risk
- Business Lines of Credit: Revolving credit for ongoing working capital needs
Check your Bankability Score today for a personalized funding assessment specific to your consulting business. Our team delivers decisions in 48 hours with no green card requirement. For full details on our industry funding programs, see our comprehensive sector resources.
Frequently Asked Questions
Yes, fully. Any non-citizen with a valid SSN from legal work authorization and a consulting business generating at least $10,000 per month qualifies for Bankable's evaluation process. No green card or citizenship is required.
You repay a fixed percentage of your monthly revenue until the funded amount plus our fee is satisfied. For consulting businesses with seasonal or variable revenue, this means lower payments in slow months and faster payoff in strong months — natural alignment with your business cycle.
Yes. Bankable's equipment financing program uses the financed asset as collateral, making it more accessible than unsecured loans. Non-citizen consulting business owners qualify for equipment financing based on the asset value and their business revenue history.