Calculators · How much can I get
How much could your business qualify for?
Funding is sized off bank deposits, not credit scores. Three inputs give you the honest range - nothing is stored, no email required.
What actually lands in the business account in a typical month, before expenses.
Where a file lands inside the range comes down to deposit consistency, average daily balance, and how the last four months of statements read. This is an estimate, not an approval - the statements decide.
Get a real number from your statementsTwo minutes. No hard credit pull.
What moves you up or down the range
Two businesses with identical monthly deposits can qualify for very different amounts. The one with steady weekly deposits, a healthy average balance and no negative days reads as a business in control of its cash and prices near the top of the band. The one with lumpy deposits, balance dips near zero and a stacked second position reads as risk and gets sized down. None of that shows up in a credit score, which is why the statements matter more than anything else you send.
How much can I get with a merchant cash advance?
Most files support roughly half to 1.4 times monthly bank deposits. A business depositing $60,000 a month typically sees offers between $30,000 and $84,000, with the strongest files at the top of the band. Deposit consistency and average balances decide where you land.
What do funders actually look at?
Four months of business bank statements, mainly: deposit volume and consistency, average daily balance, negative days, and any existing advance payments. Credit matters less than cash flow - scores from 450 are workable when the statements are strong.
Do existing advances reduce what I can get?
Yes. Each open position claims a slice of your daily deposits, so funders size new offers on what is left. One seasoned position is usually fine. Two or more compresses offers and pricing - sometimes consolidating is the better move, which is a conversation worth having before you stack.
Is this estimate an approval?
No. It is the range files like yours usually support. A real number takes four months of statements and about a day. The estimate here uses only what you type in and nothing is stored.
Related: what the payments look like · how funders read your industry