Last reviewed November 4, 2026 by the Silverback Capital funding team.
Enter your average monthly revenue, how long you have been in business, a credit range and any funding you are already repaying. The estimator shows an indicative range for each main type of business funding, and how strong a fit each one looks. It takes about 20 seconds and asks for nothing personal.
Worked example. A business with $50,000 in average monthly revenue, three years of trading, an owner credit score around 700 and no existing advances shows indicative ranges of about $25,000–$75,000 for revenue-based funding and $12,000–$50,000 for a line of credit.
Add one existing advance costing $8,000 a month and the revenue-based range falls to about $16,000–$49,000, because part of every month’s deposits is already spoken for.
How the estimate works
Every range starts from your average monthly revenue, because that is what any repayment ultimately comes from. Each type of funding then weighs the other inputs differently. Revenue-based funding is sized as a multiple of monthly deposits and leans on bank activity far more than on credit. A line of credit and a term loan put more weight on credit history and time in business. Equipment financing is anchored to the price of the equipment, because the equipment itself secures it.
Existing funding reduces every range. The estimator uses either the number of advances or the monthly payments you enter, whichever has the bigger effect, so entering your actual payments gives a sharper estimate. Ranges are capped at the maximum amounts we publish for each product.
| Product | $25k/mo | $50k/mo | $100k/mo |
|---|---|---|---|
| Revenue-based / MCA | $12k–$38k | $25k–$75k | $50k–$150k |
| Line of credit | $6k–$25k | $12k–$50k | $25k–$100k |
| Term / SBA | $11k–$56k | $22k–$115k | $45k–$225k |
| Equipment | $12k–$50k | $25k–$100k | $50k–$200k |
The table shows how the ranges scale with revenue for one fixed profile. Change any input in the estimator and the picture changes with it: a younger business or a lower credit range narrows the line-of-credit and term options first, while revenue-based funding stays available longer.
What we look at
When we review an application, three things carry most of the weight. Monthly revenue: the average of your deposits, and whether it is steady, growing or seasonal. Time in business: a longer track record opens up longer terms and lower-cost products. Bank activity: how the account is run, including the number of days it goes negative and any funding already being repaid.
That is why four months of complete business bank statements answer most of our questions. For revenue-based funding they matter more than a credit score. For a line of credit or a term loan, credit history and business financials come into play as well. You can read more on why bank statements matter and on revenue requirements for business funding.
What each type of funding is sized on
Revenue-based funding and merchant cash advances are sized on deposits and repaid from sales, daily or weekly. They are the fastest to arrange and the most flexible on credit. A merchant cash advance is a purchase of future receivables, not a loan, and is priced with a factor rate.
A business line of credit is sized on revenue and credit together. You draw against it when you need to and pay only for what you use, which makes it well suited to uneven cash flow.
Term and SBA loans are sized on cash flow, credit history and time in business, with fuller documentation. They take longer to arrange and usually cost the least. SBA amounts depend heavily on the purpose of the money and can be considerably larger than the range shown here.
Equipment financing is sized on the equipment itself. The range here is a rough guide to what your revenue could comfortably support; the actual amount follows the price on the quote or invoice.
How existing advances change the number
Funding you are already repaying is the input that moves the estimate most. Every existing payment comes out of the same deposits a new one would, so the room for more shrinks quickly with each advance. One existing position is often workable; several at once usually means the better question is whether to consolidate rather than add another. If you already hold one advance, our page on funding with an existing advance explains how that is reviewed.
How to qualify for more
- Keep the account positive. Negative balance days weigh on any review, however strong the revenue.
- Run sales through the business account. Deposits that never reach it cannot be counted.
- Wait for an existing advance to finish, or nearly finish, before taking the next one.
- Match the product to the purpose: equipment through equipment financing, long-term projects through a term loan, short gaps through a line of credit or revenue-based funding.
None of these guarantee a result, but each one moves the review in your favour.
Common questions
How much business funding can I get with $50,000 a month in revenue?
For a business with a few years of trading, fair credit and no existing advances, the estimator above suggests roughly $25,000 to $75,000 of revenue-based funding and $12,000 to $50,000 on a line of credit. The real figure depends on how steady the deposits are, how the account is run and what is already being repaid.
Is this estimate an approval or an offer?
No. It is an indicative range built from a few inputs. An offer comes only after a review of your bank statements and business details, and it can be higher, lower or not available.
Can I get business funding with bad credit?
Often, yes. Revenue-based funding is sized mainly on bank deposits, so a low score narrows the options rather than closing them. Lines of credit and term loans depend more on credit. Our guide to business funding with bad credit covers this in more detail.
Can I get more funding if I already have an advance?
Sometimes. Existing payments come out of the same deposits, so each one reduces the room for more. One existing advance is often workable; with several, consolidating them into one payment may make more sense than adding another.
Will checking my options affect my credit score?
No. The estimator asks for nothing personal, and starting an application with us uses a soft credit pull only, which does not affect your score. There is no cost to apply.
Read next: Revenue requirements · Funding at six months in business · The cost of business funding · All funding options
More free calculators: MCA calculator · Business loan payment calculator · Equipment financing calculator
Want a real number instead of a range? Checking what you qualify for takes about 60 seconds, uses a soft credit pull only, costs nothing to apply and carries no broker fees. Start an application or request a callback if you would rather talk it through.