How Much Is My Business Eligible For?

Enter your business profile to see estimated eligibility across the seven most common funding types, calculated the way lenders actually underwrite, using June 2026 market standards.

Estimates only. The numbers below are not a loan offer, approval, or financial advice and do not guarantee funding. Actual eligibility, rates, and terms are determined by lenders after full underwriting (bank statements, financials, industry, collateral, and credit review). Figures are based on published industry underwriting standards and market data as of June 2026.

Your Business Profile

Annual Business Revenue ($)

Average Monthly Net Cash Flow ($)

Monthly revenue minus all operating expenses (before owner draws and existing loan payments). Lenders size loans against this number.

Existing Monthly Business Debt Payments ($)

Time in Business

Personal Credit Score

Average Monthly Card / Daily-Deposit Sales ($) optional

Used for merchant cash advance sizing. Leave blank to use your monthly revenue.

Outstanding Unpaid B2B Invoices ($) optional

Used for invoice factoring eligibility.

Equipment Purchase Price ($) optional

Only if you're financing specific equipment.

Estimated Maximum Single-Product Eligibility

Fill in your annual revenue, monthly cash flow, time in business, and credit score to see your estimated funding eligibility.

How these estimates are calculated

Cash-flow products (SBA, bank, online term loans): sized with the debt-service-coverage-ratio (DSCR) method lenders use. SBA SOP guidance and bank credit policy generally require total debt payments to be at most monthly net cash flow divided by 1.25 (1.15 for online lenders). Your maximum payment capacity (after existing debt) is converted to a loan amount at typical market rates and terms.

Line of credit: credit limits typically run 10-20% of annual revenue; we show 10-15% to stay conservative.

Merchant cash advance: advances typically run 70-120% of average monthly card or deposit sales; we show 70-100%.

Invoice factoring: factors advance 70-95% of eligible outstanding B2B invoices; we show 70-85%.

Equipment financing: up to 100% of equipment value, limited by your payment capacity.

Minimum qualification gates (time in business, credit score, revenue) reflect published lender requirements as of June 2026. Prime rate: 6.75%.

Estimates only, not a loan offer, approval, or financial advice. Actual eligibility is determined by lenders after full underwriting (bank statements, financials, industry, collateral, and credit review). Figures based on published industry underwriting standards and market data as of June 2026.

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No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes