How much can I actually get?
Straight answer: it depends on your monthly revenue, your bank statements, your credit, and your time in business. Below are four real scenarios that show what businesses at different revenue tiers typically qualify for in today's market.
What lenders look at (in this order).
- Average monthly revenue — pulled from the last 4 months of business bank statements. This sets the ceiling on the offer.
- Deposit consistency — daily balance trend, number of monthly deposits, NSFs, and negative days.
- Time in business — 6+ months minimum for MCA, 2+ years for most bank / SBA products.
- Personal FICO of the owner — 500+ for MCA, 650+ for term loans / LOC, 680+ for SBA.
- Industry — restaurants, trucking, construction, e-commerce, medical, and professional services all price differently.
- Existing positions — how many open advances or loans you already have. First-position files always price better.
The ranges below are honest market ranges pulled from active third-party lender programs — not guarantees. Your exact offer only comes back once a real file is submitted.
Interactive funding calculator.
Slide your average monthly revenue to see the funding range and product tier your file typically qualifies for.
Estimates only. Actual offers depend on time in business, credit, industry, existing positions, and lender review.
"Smaller shop, first-time borrower."
- ›MCA lenders typically advance 50% – 100% of average monthly revenue on a first position deal.
- ›Credit 500+ and 4+ months of clean statements (few or no NSFs / negative days) is what unlocks these offers.
- ›Equipment financing is also on the table at this tier if the capital is going toward a specific asset (truck, oven, machinery, etc.) — the equipment itself acts as the collateral, so approvals are easier even on a newer file.
- ›This is where most brand-new files land. After 3 – 6 months of on-time payments, renewals usually come back stronger and cheaper.
"Established small business, steady deposits."
- ›Business Lines of Credit start becoming a real option here — typically $10K – $50K revolving.
- ›Two years in business + 650+ FICO opens SBA 7(a) Small Loan and CDC / community-lender term loans at much better rates.
- ›Equipment financing is available up to ~$50K – $150K if the capital is for a specific asset (truck, oven, machinery, etc.).
"Solid mid-market operator."
- ›SBA 7(a) up to $350K typically prices Prime + 3% – 6% (roughly 11% – 14% today) on a 5 – 10 year term for qualifying files.
- ›Business Line of Credit from banks / fintechs commonly runs $50K – $250K with rates 10% – 24% APR.
- ›AR / Invoice financing becomes viable if you invoice B2B — advance rates 80% – 90% of eligible receivables.
- ›This is the range where stacking usually stops being necessary — one clean product covers the need.
"Bankable business, real pricing available."
- ›SBA 7(a) up to $5M and SBA 504 up to $5.5M for real estate / equipment — Prime + 2.75% – 4.75% on qualifying files.
- ›Conventional bank term loans and revolving LOCs open up at this revenue tier with clean tax returns and DSCR > 1.25.
- ›For real estate: bridge loans, DSCR loans, and commercial mortgages up to 75% LTV — placed through our real estate lender network at daddysbank.com/realestate.
- ›Multi-position MCA is still possible for speed (48 hours), but it is no longer the only option — this is where cost of capital drops dramatically.
Ranges — not promises.
Everything above is a working range based on how third-party lenders in our network price files in today's market. Two businesses with identical revenue can get very different offers because of industry, deposits, credit, and existing debt. The only way to know your exact number is to submit a real file.
It takes two minutes, it is a soft inquiry, and you owe nothing unless you accept an offer.
Find out your number.
Two minutes. Soft pull. Real offers back within 24 – 48 hours.