Questions owners actually ask

How much business funding can I actually get?

For revenue-based funding, the usual starting point is a fraction of one month of deposits. Here is the arithmetic, and what moves the number up or down.

The most common rule of thumb for revenue-based funding is that an offer starts somewhere around 50% to 100% of one month of bank deposits, then moves up or down from there. It is not a formula any funder is bound by, but it is the right mental model.

Working the arithmetic

Average monthly deposits	Typical opening range
$20,000	roughly $10,000 - $20,000
$50,000	roughly $25,000 - $50,000
$100,000	roughly $50,000 - $100,000
$250,000	roughly $125,000 - $250,000

Note the word deposits. Not revenue you invoiced, not what the P&L says: money that arrived in the business bank account.

What moves it up

Longer time in business
Consistent deposits month to month rather than spiky ones
No negative days
No existing positions
Stronger personal credit
All revenue running through a single account

What moves it down

Existing advances taking daily payments
Recent NSFs
Highly seasonal revenue, where the quiet months set the ceiling
An industry a funder treats as higher risk
Very low ending balances

Different products, different maths

Equipment financing is sized by the equipment, not your deposits, so it can be much larger.
Invoice factoring is sized by your outstanding invoices and your customers' credit.
A line of credit gives a limit rather than a lump sum, and you pay only for what you draw.

The question worth asking instead

Not "how much can I get" but "how much can the business comfortably repay". Take the likely payment, daily or weekly, and check it against your slowest month rather than your best one. If it only works in a good month, the amount is too high.

Run it through the calculators before you accept.

Questions owners ask

Can I get more than one month of revenue?

Sometimes, with long time in business, strong consistency and no existing positions. It is the exception rather than the norm.

Does my credit score set the amount?

For revenue-based products it influences pricing more than size. Deposits set the size.

What if my revenue is seasonal?

Expect underwriting to weight the slower months. Six or more months of statements helps, because it shows the whole cycle rather than a snapshot.