How much funding can my business actually get?
The honest answer starts with your monthly revenue. Here's how funders size an offer, and what moves the number up or down.
Almost every business owner's first question is "how much can I get?" For working capital and most short-term funding, the answer is built mostly from one number: your average monthly revenue.
Start with your deposits
Funders look at your last few months of business bank statements and work out your real monthly sales. Transfers between your own accounts, loan proceeds and one-time deposits usually don't count. What's left is the number most offers are built on.
The rough range
For a healthy business with steady deposits and no other financing, offers often land somewhere between half a month and about two months of revenue. A business depositing $80,000 a month might see options anywhere from roughly $40,000 up toward $160,000, depending on the rest of the file.
That's a range, not a promise. The real number only comes from a full review of your statements.
What moves the number up
- Steady or growing monthly deposits
- A healthy average daily balance
- More time in business
- No other advances or loans being paid
What moves it down
- Days where the account dips negative, or returned payments
- A big recent drop in sales
- Several existing advances already taking a share of revenue
- Very short time in business
Bigger isn't always better
The right amount is the one your cash flow can carry comfortably. Taking the maximum and then struggling with payments is how businesses end up stacking advance on advance. A good specialist will help you size it, not just max it.
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This guide is general information, not financial, legal or tax advice. Your accountant or attorney can help with your specifics.