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How much can you borrow? Get a real number fast

Amounts run from $25K to $5M, sized mainly on monthly deposits and current obligations. Built for established businesses doing $60K+ a month.

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Funding amounts

A straight answer on your amount, not a guessing game

Your amount comes from what your bank statements show. Through our partner, Merchant Fund Express, you see a real figure instead of a vague maybe.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

How your amount gets figured

Sized on your deposits

Monthly deposits and existing obligations drive the amount. Range runs $25,000 to $5,000,000 for qualified businesses.

Quick to find out

5-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

The total, shown up front

Your offer lists the full repayment amount before you accept. No surprise costs after you sign.

Credit is not the ceiling

FICO 500+ is considered and it starts with a soft pull. Revenue carries weight in how much you can get.

The range

Funding through our partner Merchant Fund Express runs from $25,000 to $5,000,000. Nobody gets a number from a chart. Your number comes from your file, and two things drive most of it:

  1. Monthly deposits. The real customer money landing in your business account.
  2. Existing obligations. Any advances, loans or lines you are already paying.

Credit, time in business, balances and industry all play a part, but deposits and current debt do the heavy lifting.

Why deposits set the ceiling

Revenue-based funding gets repaid out of your sales. So the funder asks a simple question: how much can this business comfortably pay back from its normal flow of money without choking? Bigger, steadier deposits support a bigger answer. That is why we focus on established businesses doing $60K or more a month. At that level, there is room to fund something useful.

Bank said no because of credit? That changes less here than you might think. FICO 500+ is considered.

Why current debt lowers it

If part of every deposit already goes to another funder, that money is spoken for. A business with $100K in monthly deposits and two daily debits is not in the same spot as one with $100K and nothing owed. Be upfront about every obligation. Funders see it on the statements anyway, and hiding it just slows things down.

Rough tiers, for illustration

These are illustrations only, not our terms or a promise of any amount.

Monthly deposits (illustration)Typical conversationMore detail
$60K to $100KLower five figures to around six figures$50K, $100K
$100K to $300KSix figures$250K
$300K and upUpper six figures and beyond$500K, large funding

Your file can land above or below any of these.

Ask for what the job needs

Asking for the max is not always smart. Bigger amounts mean bigger repayments pulled from the same deposits. Price out the actual need: the payroll gap, the inventory order, the equipment quote. Then ask for that, plus a reasonable cushion. A tight, clear use of funds is easier to review.

Get a real number

The only way to know your amount is to put your file in front of a funder. The application takes 5 minutes, starts with a soft credit pull, and needs about three months of bank statements. No tax returns. For qualified businesses, funding can arrive in as little as 24 hours.

Frequently Asked Questions

What is the most I can get?

Funding goes up to $5,000,000, but that top end is for larger businesses with deposits big enough to support it.

Is there a formula you use?

There is no public formula. Offers are based on your deposits, existing obligations and the rest of your file.

Does my credit score change the amount?

It can be a factor. FICO 500+ is considered, and deposits usually matter more to the size of the offer.

Can I ask for less than I am offered?

Yes. Taking only what you need keeps repayment lighter on your cash flow.

Does a sole proprietorship get smaller amounts?

Not because of the entity type. Sole proprietors can apply, and the amount still follows deposits and obligations.

Equipment $65,000.00
Second location $120,000.00
Bulk inventory $48,000.00
Hiring ramp $32,500.00

Example uses for illustration only.

How to improve your chances

To support a bigger number, focus on what the statements show.

  • Keep revenue flowing through one business account
  • Show steady or growing monthly deposits
  • Avoid NSFs and days below zero
  • Know your current balances on other financing

How your borrowing amount compares to a bank loan review

Lucky Business Funding
Traditional bank loans
Amount based on
Deposits and obligations
Collateral, credit, financials
Range
$25K to $5M
Varies, often capped by collateral
Docs
About 3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
Timeline
As little as 24 hours if qualified
Weeks to months

Find out your number, then decide

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding