The most common formula lenders use is 10–15% of your annual revenue for term loans, or 1–2x your average monthly deposits for working capital. The actual amount also depends on credit score, time in business, and existing debt obligations.
| Financing type | Business Financing |
|---|---|
| Typical amounts | Term loans $25K–$2M; equipment financing $10K–$500K |
| Decision time | As fast as 24 hours |
| Credit | All credit profiles considered; soft credit pull to start |
| Cost to apply | Zero cost to apply |
| Who we are | A business financing broker. We compare offers from our lender network; we are not a direct lender. |
In detail
Most unsecured lenders size term loans at roughly 10–15% of annual gross revenue. A business with $500,000 in annual revenue can typically access $50,000–$75,000 in an unsecured term loan. Businesses with 3+ years of history and 680+ credit often qualify for up to 20–25% of annual revenue.
In detail
For working capital and revenue-based financing, lenders look at average monthly bank deposits over the last 3 months. Most lenders advance 1–1.5x of your average monthly deposit. A business with $25,000/month in deposits typically qualifies for $25,000–$37,500. Strong credit or time in business can push this to 2x.
In detail
Equipment financing is different — you can finance 100% of the equipment purchase price (some lenders require 10–20% down for challenged credit). The limit is set by the equipment value, not your revenue. A business with modest revenue can still finance $200,000 of equipment if the asset value and credit support it.
Preparation checklist
Reading a guide is step one. Use this checklist to prepare before moving into a funding review.
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Qualification requirements
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Do I qualify?
Most business owners who research this topic are eligible to begin a review. Here is what usually qualifies and what owners should not worry about.
Who qualifies
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Yes. Lenders calculate debt service coverage ratio (DSCR) — your monthly revenue versus existing debt payments. If you are already spending 40%+ of revenue on debt, new lenders will reduce the available amount to keep total payments manageable.
Not simultaneously — most lenders check for recent hard credit inquiries and will reduce or deny applications if you are stacking loans. The better approach is to use a broker (like lendfloCapital) who matches you to the right lender for your size and profile without triggering multiple hard pulls.
Significantly. Businesses under 1 year typically qualify for 50–70% of what a 2-year-old business with the same revenue would qualify for. After 2 years, most lender caps and multipliers apply fully.
Written by lendfloCapital Editorial Team · Last updated
lendfloCapital is a business financing broker, not a lender. This page is general information, not financial, legal or tax advice. Rates, amounts and terms depend on the lender and your business.
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