How Much Can My Business Qualify For?
Three questions. No credit check. Nothing you enter leaves your browser. You get the high end of what a business like yours could see, so you know whether applying is worth your time.
That is the high end for a business with your revenue, history, and credit. Your bank statements and existing debt decide the real number.
See My Real OptionsAn estimate, not an offer or a commitment to lend. Checking here does not affect your credit.
What drives the number
- Monthly revenue. The biggest factor. Lenders size an offer to what your sales can repay.
- Time in business. More years means a lender will count on a larger share of revenue and offer a longer term.
- Credit. Under 680 pulls the estimate down and shortens the term a lender is likely to offer. Above 720 pushes it to the top of the range.
What the estimate leaves out
- Existing debt. Payments you already make to other lenders reduce what you can carry.
- Bank balances. Low or negative daily balances shrink an offer.
- Industry. Lenders treat some industries as higher risk.
- The product. Equipment financing and SBA loans are sized differently and can go higher.
To see what the money would cost, try the factor rate to APR calculator.
Common questions
How much can a small business borrow?
Lenders size an offer to what your revenue can support. Monthly revenue matters most. Time in business and credit then move the number up or down. Published program maximums run up to $5 million, but most offers are a fraction of annual revenue.
How is this estimate calculated?
From three things you enter: monthly revenue, time in business, and credit score range. We estimate the payment your revenue can support, then how large an amount that payment could repay over a typical term. Longer-established businesses and stronger credit support a larger payment and a longer term. The result is the high end of what a business like yours could see.
Is this estimate an offer?
No. It is a starting point. A real offer depends on your bank statements, existing debt, industry, and the lender's review.
Does using this estimator affect my credit?
No. Nothing you enter here is sent anywhere or checked against your credit. The math runs in your browser.