How Much Business Funding Can I Qualify For?

The core formula

For short-term products — revenue-based financing, MCAs, short-term loans — funders start with your average monthly bank deposits and apply a multiplier. First-time borrowers with average profiles typically qualify for 80–100% of one month of deposits. Strong profiles (24+ months in business, healthy balances, 650+ credit) can reach 150% or more.

Example: $45,000 average monthly deposits × 1.0 = roughly $45,000 available on a first deal; up to $67,500 with a strong profile.

Factors that increase your amount

• Time in business — each year adds leverage. 2+ years unlocks term loans and SBA products.
• Average daily balance — maintaining 10%+ of monthly deposits as a balance signals capacity.
• Deposit frequency — many small deposits beat a few large ones.
• Credit score — 650+ opens lines of credit and term loans with 2–5x monthly revenue limits.
• Collateral — equipment and real estate can push amounts into the millions.
• Receivables — B2B invoices can be factored at 80–95% of face value regardless of the above.

Factors that reduce your amount

• NSFs and negative days in the last 90 days
• Existing merchant cash advances or high debt service
• Declining revenue trend month over month
• Recent large, unexplained deposits (funders may exclude them)
• Industry risk (some industries are capped at lower multiples)

Amounts by product

• Revenue-based financing: 80–150% of monthly revenue, $5K–$500K
• Line of credit: 1–3x monthly revenue, $10K–$250K
• Term loan: 1–5x monthly revenue, $25K–$500K
• Equipment financing: 100% of equipment cost, $10K–$2M
• Invoice factoring: 80–95% of invoice value, $1K–$5M
• SBA 7(a): based on cash flow coverage, up to $5M

Estimate your number

Use our business loan calculator to model payments, or pre-qualify in two minutes to see actual ranges based on your profile. Pre-qualification involves no credit inquiry and does not affect your score.