Guide · Whether you'll qualify
What is the minimum monthly revenue for business funding?
By Alex Makowski Published
Most revenue-based funders want to see around $10,000 to $15,000 a month in business bank deposits, and the offers get materially better above $25,000 to $30,000. Under $10,000 the realistic options narrow to equipment financing, where the asset carries the decision, and small advances at the higher end of pricing. The floor is measured in deposits that reached the bank, not sales.
In this guide
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01
Where the floors sit
Under $10,000 a month: hard. A few funders write small advances here, at short terms and the top of the price range. Equipment financing is the more realistic route, because the machine secures the loan and the deposits matter less.
$10,000 to $15,000: most revenue-based products open up, at smaller amounts and shorter terms than the revenue alone might suggest. This is the common published minimum.
$25,000 to $30,000 and above: the market gets competitive. Larger offers, longer terms, better factors, and a line of credit becomes realistic with the trading history to match.
The number that matters is deposits, not revenue. A business that takes $30,000 a month and deposits $12,000 of it is underwritten as a $12,000 business.
What your deposits support
02
Why deposits, and why consistency beats volume
A funder is sizing a repayment that will leave the account daily or weekly, and it needs to know money reliably arrives to cover it. Twelve months of $14,000 deposits reads better than six months swinging between $5,000 and $30,000, even though the second business averages more. Consistency is the thing being measured; volume decides the size.
Transfers from your own savings, loan proceeds and owner injections are stripped out. Underwriters separate operating revenue from everything else, and a month propped up by a transfer does not count toward the floor.
03
If you are just under
Deposit everything, including cash. Run card payments through a terminal into the business account. Wait for the next full month if it will be a strong one, because funders weight the most recent months. And apply on twelve months of statements rather than three if the year shows a stronger average than the quarter does.
What not to do: move money in from a personal account to fatten the deposits. Underwriters see the transfer and the file reads worse than it did.
Written by
Alex Makowski, Owner
Alex Makowski owns and runs Business Loans for America and has been placing funding for U.S. small businesses since 2021. Businesses he has worked with have secured $50M+ in financing across 1,200+ placements. He writes and reviews every guide on this site.
FAQ
Related questions.
- Does annual revenue matter or monthly?
- Monthly deposits, read over three to twelve months. A funder may quote an annual minimum in its marketing, but the underwriting is done on the monthly pattern in the statements.
- Is the minimum different for a merchant cash advance and a working capital loan?
- Slightly. Card-settlement advances can be written on somewhat lower deposits because the repayment comes from the card stream; working capital loans and lines generally want the higher end of the range and more history.
- My revenue is seasonal. Which months count?
- The most recent ones weigh most, which is why applying at the end of a strong season produces a better offer than applying in the trough. Send the full year so the underwriter sees the pattern rather than the dip.
Guides
More on whether you'll qualify
Overdrafts and negative days
More than three returned items in ninety days downgrades a file. The fix takes one clean quarter.
Already have a loan
A bank loan, an SBA loan or an equipment note rarely blocks you. A second advance is a different question.
After a bankruptcy
Banks want three to five years. Revenue-based funders look at a discharged case after one to two.
Reading your statements
Seven things, in the order they are checked. Most declines are decided by the third.
Under six months
Honestly, mostly no on deposits. Equipment financing and the owner's own file are the two doors that open.
Counting time in business
Funders read the bank account, not the state filing. An LLC formed two years ago with six months of deposits is six months old.
Sources
- U.S. Small Business Administration — LoansFederal loan programmes, eligibility and what the SBA does and does not guarantee.
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