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.
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.
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.