Owners usually ask for a round number. Lenders answer with a percentage of revenue. Understanding that percentage tells you, before you apply, roughly what your business can expect.
The rule of thumb
A first revenue-based funding typically lands between 70% and 120% of average monthly deposits. Established businesses with clean statements sit at the top of that range; younger businesses or those with existing payments sit lower. Longer-term products such as term loans, equipment financing and SBA loans can exceed one month of revenue because they are repaid over years.
| Average monthly revenue | Typical first offer | With longer-term products |
|---|---|---|
| $20,000 | $14,000 – $24,000 | Up to ~$50,000 |
| $50,000 | $35,000 – $60,000 | Up to ~$150,000 |
| $100,000 | $70,000 – $120,000 | Up to ~$350,000 |
| $200,000 | $140,000 – $240,000 | Up to ~$800,000 |
| $500,000+ | $350,000 – $600,000 | Up to $5,000,000 |
What moves you up the range
- Two or more years in business
- Deposits spread across many customers or daily card batches
- Few or no negative-balance days
- No other short-term financing in the statements
- A clear use of funds that increases revenue
What moves you down
- Six to twelve months in business
- Existing daily or weekly payments to other funders
- Frequent NSF returns
- Revenue trending down over the three months
Renewals raise the ceiling
Most of Belmont's clients fund more than once. After a first advance is repaid on schedule, the second offer is typically larger and cheaper because the repayment history is now part of the file.
Estimate it yourself
The funding calculator on this site applies the rule of thumb to your numbers instantly. The real offer comes from a specialist after reviewing your bank statements, in minutes, through the three-minute application.
Next step
See what your business qualifies for
Businesses with $20,000+ in monthly revenue and six months of history qualify. Three minutes, three bank statements, decision in minutes.