Business Capital Capacity

How much business capital can your cash flow support — up to $500K?

This estimate sizes a business loan the way our capacity model does: off the cash left each month to pay it, and off annual revenue. Enter both and see a conservative and an expected range across a term loan and a line of credit.

Sized off cash flow, not guessworkTerm loan and line of creditNo credit pull

Your numbers

Change anything. The result updates when you press the button.

$
$/mo
Profit before any loan payments. Your bank statements should support it.
$/mo
months

Example — $900k revenue, $14,000 a month available for loan payments, $2,500 already paid, 715 score, 3 years in business. Illustrative only, not a client.

By the numbers

Public data with its source and date, and the firm's own figures from its verified facts library.

7.00%Bank prime loan rateSource: Federal Reserve (H.15), via FRED series DPRIME, Oct 2, 2026
$2.96TCommercial and industrial loans held by U.S. banks, Sep 2026Source: Federal Reserve (H.8), via FRED series BUSLOANS
1.27%Delinquency rate on business loans at U.S. commercial banks, Q2 2026Source: Federal Reserve, via FRED series DRBLACBS
to the centagreement between the public calculators and the internal underwriting library on the canonical ground-up caseSource: Canady Investments verified facts library, updated Jul 27, 2026

Have the desk review it

A person on our desk reads every request and replies directly. Your result above is yours either way, and sending it unlocks the guide: the math behind this number, worked through, with sourced figures.

Optional — tick only what you want. None of these is required, and leaving them all unticked does not affect your request in any way.

What to have ready

The documents a lender asks for on this kind of request.

  • Last 3 to 6 months of business bank statements
  • Last 2 years of business tax returns
  • Year-to-date profit and loss and balance sheet
  • Business formation documents and EIN
  • Owner/guarantor credit authorization
  • Government-issued ID (front and back)
  • Completed application
  • Personal Financial Statement (PFS)

Educational and business-purpose only. Not a loan offer, a commitment, or a guarantee of funding or terms. Canady Investments is a broker to a network of capital providers; actual terms depend on the lender.

Canady Investments is a private capital office. We arrange business-purpose financing and coordinate the licensed professionals in your corner. We are not a registered investment adviser, broker-dealer, or law or accounting firm; legal, tax, and investment advice is provided only by licensed professionals. We also license our software platform to business clients on a subscription basis; the platform is provided "as is," and licensing it does not make Canady a party to any client's transactions. For business principals and accredited investors. This is a request for information — not an offer, an application, or a commitment of any kind. © 2026 Canady Investments.