Before you apply, it helps to know roughly what range to expect — so you're not surprised by an offer, and so you don't waste time chasing an amount no lender would realistically approve. Here's what actually drives the number.
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
💡 Don't anchor to the maximum: requesting an amount inside the realistic 80-150% band gets you a faster, cleaner approval. Asking for 5x your monthly revenue usually stalls the file rather than getting you more money.
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.
Get your real number in 60 seconds
No documents to start, and the short form does not pull credit.
Check My Funding OptionsFAQ
How much can I borrow based on my monthly revenue?
Revenue-based offers commonly land between 80% and 150% of average monthly revenue, depending on deposit consistency and time in business.
Does my credit score change how much I can qualify for?
Credit score affects pricing more than eligibility for revenue-based programs. Mid-600 scores with strong revenue can often qualify for similar amounts, sometimes at a higher rate.