Business Loan Sizing Calculator
Estimate a realistic funding range before applying
The amount a business can borrow depends on product type, revenue, deposits, credit profile, and time in business. This calculator gives a directional range for bank term loans, SBA loans, lines of credit, equipment financing, and revenue-based financing.
- ✓Compares borrowing ranges by product type
- ✓Uses annual revenue, monthly deposits, credit score, and time in business
- ✓Separates bank/SBA logic from revenue-based financing logic
Frequently Asked Questions
Is this a loan approval amount?
No. It is a planning estimate. Actual proceeds depend on DSCR, collateral, industry, debt load, tax returns, credit, and lender policy.
Why do MCA and revenue-based products use deposits?
Those products often size advances from recent bank deposits or card sales rather than long-term repayment capacity.
Why can SBA loans size higher?
SBA guarantees can support longer terms and larger requests, but lenders still require repayment capacity and eligible use of proceeds.
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This tool is for educational purposes only. Results do not constitute a loan offer, pre-qualification, or guarantee of financing. Consult a licensed financial professional for advice specific to your situation.