How Much Business Funding Can You Qualify For? (2026)
By the Lady's First Group Team · Updated July 2026
The honest answer is simpler than most owners expect: your funding amount is driven less by your credit score and more by what your bank statements already show. Here is how the number is actually calculated — and how to see yours in about two minutes.
The rule of thumb: it tracks your revenue
For revenue-based funding, the amount you qualify for is anchored to your average monthly deposits. A common working range is roughly 50% to 150% of one month's revenue — so a business banking $60,000 a month often sees offers in the $30,000–$90,000 band, sometimes higher with strong, consistent history. Banks lead with your credit score; revenue-based lenders lead with your cash flow, which is why an owner the bank turned down can still qualify here.
What moves the number up
- Consistent deposits — steady beats seasonal spikes
- Time in business — more history, more comfort
- Few negative days — a healthy balance signals capacity
- Multiple accounts — showing all of them can raise the ceiling
- A clear use of funds — a specific plan reads as lower risk
What you'll need to see your real number
To move from a rule of thumb to a real offer, you upload your last four months of business bank statements (PDF). That single document lets an underwriter see exactly what your business earns and return a precise figure — no credit pull required to look.
The fastest way to find out
Rather than estimate, you can see your actual qualifying amount in about two minutes. The application is short, checking won't affect your credit, and most decisions come back within 24 hours.
See what you qualify for →Frequently asked questions
How much can I qualify for?
Most businesses qualify for $10,000–$2,000,000 based on monthly revenue and deposit history.
How fast is it?
Decisions in as little as 24 hours; funds typically in 24–72 hours of accepting.
Will applying hurt my credit?
No — there is no credit check to see your options.
Do I need collateral?
No — funding is revenue-based and unsecured.
Apply now — 2-minute application →Lady's First Group is a business-funding marketplace, not a lender. Products and terms vary by qualification.