How Much Business Funding Can You Qualify For? (Without Hurting Your Credit)
How much you qualify for depends mostly on your monthly revenue, time in business, and credit, with collateral (equipment or real estate) unlocking larger amounts. Ranges run from about $1K-$500K for fast capital and lines of credit, up to $5M for equipment and SBA loans. Check your number with a soft, no-impact credit pull before anything touches your credit.
"How much can I actually get?" is the first question every business owner asks. The honest answer: it depends on a few clear factors — and you can find your real number in about a minute without affecting your credit.
What lenders look at
- Monthly revenue: the single biggest driver for most working-capital products. Steady deposits open more (and larger) offers.
- Time in business: more history generally means more options; some programs work from 6 months in.
- Credit profile: matters most for SBA and term loans, less for revenue- and asset-based options.
- Industry & purpose: equipment and real estate can unlock larger amounts because there's collateral.
Ready to see what your business qualifies for?
Check your rate in 60 seconds — SBA, equipment, real estate, and same-day working capital, even if a bank said no.
Check My Rate — Free →Typical ranges by program
| Program | Typical range |
|---|---|
| Fast capital / line of credit | $1K – $500K+ |
| Business term loan | $20K – $500K |
| Equipment financing | $30K – $5M |
| Commercial real estate | $50K – $1M |
| SBA 7(a) | $150K – $5M |
Why a soft check first is smart
Shopping around with lenders who do hard credit pulls can chip away at your score. A soft, no-impact check lets you see what you qualify for before anything touches your credit — so you only move forward on an offer that makes sense.
Find your number in 60 seconds
Instead of guessing, answer a few quick questions and get matched to the programs — and amounts — you actually qualify for. No hard credit pull, no obligation.
See what you qualify for — no hard credit pull
Check your rate in 60 seconds — SBA, equipment, real estate, and same-day working capital, even if a bank said no.
Check My Rate — Free →Frequently asked questions
No — a rate check uses a soft inquiry with zero impact on your credit score. A hard pull only happens if you choose to move forward with a specific offer.
Even businesses around 6 months old can qualify for revenue-based options like fast capital or a line of credit; amounts scale with your monthly revenue and overall profile.
Some fast-capital programs start around $14,000 in monthly revenue, but options exist across a wide range — the best way to know is a quick, no-impact rate check.