Business Loan Calculator: How Much Working Capital Could Your Business Qualify For?
Before you apply anywhere, it helps to know roughly what range of funding businesses like yours typically see — so you can walk into the conversation informed instead of guessing. Use the calculator below for a rough, illustrative estimate, then see the real funding options available through FAAS Funding’s partner network.
This calculator provides a general, illustrative estimate only. It is not a quote, pre-qualification, or offer from FAAS Funding or any lender, and does not reflect any specific underwriting formula. Actual funding amounts, if any, are determined solely by the applicable lender or funding provider based on your complete application and their own criteria.
Estimate Your Funding Range
Illustrative only, based on commonly cited industry ranges (roughly 0.5x-1.5x average monthly revenue for revenue-based funding products), adjusted for time in business. Not a quote or offer. Actual eligibility, approval, amounts, rates, fees and terms depend entirely on the applicable lender or funding provider.
Why Funding Ranges Vary So Much
There’s no single formula every lender uses — that’s exactly why the calculator above is illustrative, not a quote. Working capital and revenue-based products (like merchant cash advances) commonly get sized off a multiple of monthly revenue, while SBA loans and equipment financing are underwritten very differently, factoring in credit history, collateral, industry, and cash flow in more detail. Time in business matters across almost every product: newer businesses typically qualify for less, or need to look at different programs than established ones.
Funding Options to Explore
- Working Capital — flexible funding for day-to-day cash flow needs.
- Business Lines of Credit — draw funds as needed, pay interest only on what you use.
- SBA Financing — longer-term, lower-cost financing for qualifying businesses.
- Equipment Financing — financing for machinery, vehicles, and other business equipment.
- Merchant Cash Advance — an advance based on future receivables, for businesses that need funding fast.
- Invoice Factoring — turn outstanding invoices into working capital.
Frequently Asked Questions
Is this calculator a real quote or pre-approval?
No. It’s a general illustrative estimate based on commonly cited industry ranges, not a quote, pre-qualification, or offer from FAAS Funding or any lender. It does not reflect any specific underwriting formula.
Does FAAS Funding lend directly?
No. FAAS Funding works with independent lending and funding partners to provide access to business-capital options. The applicable lender or provider determines approval and final terms.
Does submitting an inquiry guarantee approval?
No. Eligibility, approval, funding amounts, rates, fees and terms depend on the applicable lender or funding provider and your business’s individual circumstances.
Can a newer business qualify for funding?
Certain programs may be available to qualifying startups or newer businesses, though options and typical amounts are often more limited than for established businesses. Available options depend on the applicant’s circumstances and the funding provider’s requirements.
Important Information
FAAS Funding is a business-purpose funding marketplace and works with independent lending and funding partners. FAAS Funding does not make loans directly. The calculator above is illustrative only and is not a quote, pre-qualification, or offer. Eligibility, approval, rates, fees, and terms are determined by the applicable lender or provider and vary by individual circumstances. This is not a guarantee of funding.
Check Your Business Funding Eligibility →
Explore Related Resources
See the full Business Funding overview, or state-specific guides for New York, Florida, California, and Texas businesses.