Calculator
How Much Funding Can My Business Get?
Estimate the funding range your monthly revenue supports, adjusted for existing open positions and time in business, before you decide what to ask for.
The short answer
A common planning convention sizes working capital at roughly one to one-and-a-half times average monthly revenue, reduced by whatever existing positions already consume. A business doing $50,000 a month with no open positions typically supports a facility in the $50,000 to $75,000 range.
Typical range
$50,000 – $75,000
Based on
$50,000/mo
An estimate only. A real decision reads your deposit consistency, credit profile, industry, and how well the amount fits its purpose — so an actual approval can land above or below this.
Key takeaways
- The common band is one to one-and-a-half times average monthly revenue.
- Each existing open position reduces what free cash flow supports.
- Under a year in business generally narrows the range.
- An ask inside your range is approved as requested far more often than one above it.
How the estimate is built
The calculator applies that planning convention, then reduces it for existing positions — because those payments come out of the same deposits — and again for limited operating history, which narrows available structures.
Express Capital funds from $10K to $350K, so the estimate stops at $350K. Businesses under $250,000 a year in revenue, under a year in business, or below a 580 credit score fall outside our published minimums, and the calculator says so instead of showing a range.
Right-sizing beats maximizing
Asking for a number your deposits cannot service does not produce a larger approval — it produces a slower decision that often comes back reduced, or declined. Work backwards from the payment your business can absorb and solve for the amount.
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $250,000+ in yearly revenue, 1+ year in business, and a 580+ credit score is the gate — a decision the same day, funding in as little as 24–48 hours.
4.8★ from 590 reviews · A+ BBB accredited · $250M+ funded
Frequently asked questions
How much funding can I get based on revenue?
As a general convention, one to one-and-a-half times average monthly revenue, before adjusting for existing positions and trading history. Consistency of deposits affects where in that band you land.
Does having an existing loan reduce what I can get?
Yes. Existing payments come out of the same deposits, so they directly reduce the cash flow available to service anything new.
Keep reading
These calculators are planning tools using standard industry conventions. They are estimates, not quotes, and are not an offer or commitment to lend. Actual terms depend on a review of your business.
← All calculators