Key Takeaways
- Real estate service businesses (property management, renovation, development) funded with SSN
- Rental income and property management fees accepted as revenue documentation
- Bridge financing for fix-and-flip projects available to non-citizen real estate investors
- Property management companies with SSN-holding owners qualify for working capital lines
- Real estate professionals (agents, brokers) funded on commission income history
Real Estate Business Funding for Visa Holders with SSN addresses the capital needs of non-citizen entrepreneurs in the real estate 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 real estate funding programs operate entirely independently of SBA eligibility. Our underwriting focuses on rental income, property management fees, renovation budgets, and local market conditions — the actual metrics that predict whether a real estate 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 Real Estate 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 Real Estate Non-Citizens
Bankable structures capital for real estate businesses across several product types, all without green card or citizenship requirements:
- Revenue-Based Advances: Repaid as percentage of monthly revenue — ideal for real estate 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 real estate 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 real estate 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 real estate 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 real estate business owners qualify for equipment financing based on the asset value and their business revenue history.