How Much Business Loan Can I Qualify For?

The revenue multiple

For revenue-based financing and working capital, offers commonly land between 80% and 150% of your average monthly revenue. A business depositing $40,000/month in revenue might see offers in the $32,000-$60,000 range, depending on consistency of deposits, average daily balance, and industry risk.

What pushes you toward the higher end

• Consistent deposits with few or no negative balance days
• Longer time in business (12+ months tends to unlock stronger multiples)
• Lower-risk industry classification
• Limited existing debt or stacked advances

What pushes you toward the lower end

• Inconsistent or declining deposits month over month
• Frequent negative balance days
• Existing merchant cash advances already in repayment ("stacking")
• Less than 6 months in business

How credit score factors in

For revenue-based programs, credit score affects pricing more than the maximum amount — a mid-600 score with strong, consistent revenue can often qualify for a similar amount to a 720 score, just potentially at a different rate. See our 650 credit score guide for specifics. For SBA and bank term loans, credit score plays a larger role in both amount and rate.

How to get an accurate number

• Have your last 3-4 months of bank statements ready — see how lenders read bank statements
• Know your average monthly revenue, not just your best month
• Review the full document checklist so your file moves without back-and-forth

The only way to get an exact number is underwriting your actual file — every estimate here is directional. Approval and amounts are always subject to lender underwriting; nothing here is a guarantee of approval.

Related reading: Lenders often size loans with the debt service coverage ratio; check yours with the free calculator.

Frequently Asked Questions