Your amount tracks what comes in and what already goes out. For established businesses doing $60K+ a month, requests from $25K to $5M are reviewed.
Estimate my amountFunding Amounts
Funders look at deposits and existing obligations to size an offer. Through our partner, Merchant Fund Express, you see the full repayment amount before you decide.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Consistent monthly revenue is the main driver of how much a funder is comfortable offering, more than any single other factor.
FICO 500+ is considered and the first look is a soft pull, so checking your options does not lock you into anything.
Every offer states the total repayment amount up front. No surprise costs appear after you sign.
Roughly three months of bank statements, no tax returns, and a 5-minute application. Qualified files can fund in as little as 24 hours.
Funding through our partner Merchant Fund Express runs from $25,000 to $5,000,000. Where a particular business lands depends mainly on its monthly deposits and its existing obligations. Credit history, time in business, and account behavior shape the details, but deposits do most of the work.
That is good news for owners who are scaling: as revenue grows and runs through the account consistently, the amount a funder can comfortably support tends to grow with it.
A useful exercise before you apply is to estimate your repayment capacity. Take your average monthly deposits, subtract your regular operating costs and any current debt or advance payments, and look at what remains. Funders are asking a similar question: how much can this account repay without squeezing payroll, rent, and inventory?
This is not a formula we use to set terms. It is a way to walk into the conversation with a realistic expectation.
The examples below are for illustration only. They are not our terms or offers.
| Business | Avg. monthly deposits | Existing obligations | What it points to |
|---|---|---|---|
| Regional HVAC service | $85,000 | None | Room for a mid-size request, such as $100,000 |
| Two-location cafe | $140,000 | One active advance | Current payment reduces new capacity |
| Medical billing firm | $400,000 | Equipment note | Larger requests like $500,000 can be in view |
Every dollar already committed to a loan, lease, or advance payment is a dollar that cannot support new funding. Two businesses with identical revenue can see very different amounts if one is carrying several obligations. Be upfront about what you owe; funders will see the payments on your statements anyway, and a clear picture moves the file faster.
Estimates only go so far. The 5-minute application starts with a soft credit pull and asks for about three months of business bank statements. FICO 500+ is considered, sole proprietors can apply, and qualified businesses can be funded in as little as 24 hours. Most of our applicants are established businesses doing $60K or more a month.
Funding ranges from $25,000 to $5,000,000 through Merchant Fund Express.
It is one factor. FICO 500+ is considered, but monthly deposits and existing obligations usually drive the amount more.
Ask for what fits a specific plan. Requests tied to a clear use and supported by deposits are easier to evaluate.
As revenue grows and your account history lengthens, the amount a funder can support may change. Each request is reviewed on its own.
The process starts with a soft credit pull, which does not affect your score.
Example uses for illustration only.
These moves tend to support a larger, more comfortable offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding