How much funding can my business get?
Funding amounts come down to revenue, time in business, and the product. Here's how funders size an offer, and a rough way to estimate your own range.
This article is educational and is not an offer of credit.
Key takeaways
- Most revenue-based offers land around 50–150% of your average monthly revenue.
- Your amount is driven by revenue, time in business, deposits, and existing debt.
- Different products cap at very different levels, MCA vs. line vs. SBA.
- Stacked advances and inconsistent deposits shrink what you can get.
- A soft review estimates your range with no credit pull.
The short answer
For most revenue-based funding, offers commonly fall between 50% and 150% of your average monthly revenue. A business doing $40,000 a month might see offers from roughly $20,000 to $60,000, sometimes more with strong, consistent deposits.
That's a starting rule of thumb, not a promise. The product you choose and the health of your numbers move the figure up or down. A merchant cash advance sizes off recent sales, while an SBA 7(a) loan can go far higher for the right borrower.
What determines your amount
Funders weigh a handful of things:
- Average monthly revenue, the single biggest driver.
- Time in business, more history supports more capital.
- Deposit consistency, steady daily deposits beat lumpy ones.
- Existing debt and advances, current obligations reduce headroom.
- Industry and seasonality, some revenue patterns read as steadier than others.
How much you can get by product
Each product sizes differently:
- Merchant cash advance: roughly 50–150% of monthly revenue, repaid from sales.
- Business line of credit: a revolving limit you draw against, scaled to revenue and credit.
- SBA 7(a): up to $5 million for qualified borrowers, with stronger requirements.
A rough way to estimate your range
Take your average monthly revenue over the last three to six months and multiply by 0.5 and 1.5, that brackets a realistic revenue-based range. Then adjust down if you carry existing advances or have frequent low-balance days, and up if your deposits are large and consistent.
That's only an estimate. The fastest way to see a real number is to check your options, a soft review can size your range with no credit pull to start.
How to qualify for more
If you want a bigger offer, the levers are straightforward: grow and stabilize your deposits, avoid negative-balance days, and avoid stacking multiple advances. Paying down or restructuring existing advances with a reverse consolidation or traditional consolidation can also free up capacity.
If credit is the limiting factor, our guide on business funding with bad credit covers options that weigh revenue first.