How much can I qualify for? See which funding fits
Enter your monthly revenue, time in business and credit band to see which products are typically within reach, based on minimums providers publish.
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Take an average of the last three months.
Nothing here checks your credit or is saved.
Products typically within reach
- Merchant cash advanceDepends on your credit score
A purchase of future receivables, collected by a split of sales or a fixed debit, subject to reconciliation. Fast and the most expensive.
- Time in business and revenue meet Credibly, Fundomate, Fundera (past customers); the published credit minimums run from 500.
- Factor rates typically 1.1 to 1.5 (NerdWallet)
- Effective APRs may range from 40% to 350% (NerdWallet)
- Terms of about three to 18 months, paid daily or weekly (NerdWallet)
- Online term loan or line of creditDepends on your credit score
A lump sum or a credit line from an online lender, repaid on a set schedule.
- Time in business and revenue meet OnDeck, Bluevine; the published credit minimums run from 625.
- OnDeck: business funding up to $400K (OnDeck)
- Bluevine: line of credit up to $250,000, term loan up to $500,000 through partners (Bluevine)
- SBA 7(a) loanDepends on the lender
A loan from a bank or other lender, partly guaranteed by the SBA.
- The SBA sets eligibility rules; each lender sets its own score, revenue and time-in-business requirements.
- Up to $5 million (SBA)
- The SBA lists eligibility rules, not a score or revenue minimum; your lender sets its own requirements (SBA)
- Terms usually ten years or less, longer for real estate (SBA)
Not a fit yet, and why (2)
- Equipment financingNot a fit yet
Financing for a specific machine or vehicle. The equipment is the collateral.
- Only fits if you are buying equipment or vehicles.
- Invoice factoringNot a fit yet
Get paid now for invoices your business customers owe you.
- Only fits if business customers owe you on unpaid invoices.
Your sales, time in business, credit and industry carry into the quiz.
General published minimums, not an offer or a decision. Funders weigh more than these answers, and meeting a minimum does not mean you will be approved.
How this works
We compare your answers with the minimums that providers publish on their own websites. If your answers meet every minimum of at least one provider, the product shows as typically within reach. We never estimate an amount or a price for you: those depend on a funder's review of your business.
| Product | Provider | Time in business | Monthly revenue | Credit score |
|---|---|---|---|---|
| Merchant cash advance | Credibly | 6 months | $15,000 | 500 |
| Merchant cash advance | Fundomate | 12 months | $10,000 | Above 600 |
| Merchant cash advance | Fundera (past customers) | 6 months | $10,000 | 600 |
| Online term loan or line of credit | OnDeck | 12 months | $8,333 | 625 |
| Online term loan or line of credit | Bluevine | 12 months | $10,000 | 625 |
OnDeck and Bluevine publish annual revenue ($100K and $120,000); we show it per month. Fundera's figures describe its past customers, not a rule.
SBA loans: rules, not score minimums
To be eligible for a 7(a) loan, the SBA says a business must:
- Be an operating business
- Operate for profit
- Be located in the U.S.
- Be small under SBA size requirements
- Not be a type of ineligible business
- Not be able to obtain the desired credit on reasonable terms from non-federal, non-state, and non-local government sources
- Be creditworthy and demonstrate a reasonable ability to repay the loan
The maximum 7(a) loan is $5 million. Your lender adds its own requirements on top of these.
Watch out
Be wary of anyone who promises approval before seeing your bank statements. Meeting a published minimum is a starting point, not an approval.
Common questions
Sources
- Credibly, published requirements, accessed Oct 20, 2026
- Fundomate, published requirements, accessed Oct 20, 2026
- Fundera (past customers), published requirements, accessed Oct 20, 2026
- OnDeck, published requirements, accessed Oct 20, 2026
- Bluevine, published requirements, accessed Oct 20, 2026
- NerdWallet, Is a Merchant Cash Advance Right for Your Business?, accessed Oct 20, 2026
- Bluevine, homepage (line of credit and term loan amounts), accessed Oct 20, 2026
- U.S. Small Business Administration, 7(a) loans (eligibility and maximum amount), accessed Oct 20, 2026
- U.S. Small Business Administration, Terms, conditions, and eligibility, accessed Oct 20, 2026