How Much Can Your Business Borrow? Funding Amounts Explained

One of the first questions business owners ask is how much they can borrow. There's no single answer, because the amount depends on the type of funding, your business's revenue and history, and each lender's own limits. Understanding the ranges helps you aim at the right product.

Typical amounts by funding type

• Micro business loans: smaller amounts for early-stage needs
• Merchant cash advances and revenue-based funding: sized against your monthly sales
• Commercial loans and lines of credit: larger amounts for established businesses
• SBA 7(a) loans: the widest range, up to several million dollars for qualifying businesses

These are general ranges. The amount a given business actually qualifies for varies by lender.

What drives the amount you qualify for

• Monthly and annual revenue: many revenue-based products size the offer as a multiple of monthly sales
• Time in business: a longer track record generally supports larger amounts
• Credit profile of the business and its owners
• Cash flow and existing debt, which show how much new payment the business can support
• Collateral, for larger or secured loans

Estimate before you apply

You can get a rough sense of monthly payments for a given amount and term using our business funding calculator, which shows an estimate range before you apply. It's an estimate only: your actual amount, rate, and terms are set by the lender you're matched with and disclosed before you accept anything.

Borrow what the business can support

A bigger offer isn't always the right one. Borrow what your cash flow can comfortably repay, and factor in the total cost over the full term, not just the monthly payment.

With GoSwiftFund, checking your options is a soft inquiry with no impact on your credit score, so you can see what fits before committing to a formal application.