Capital Desk · Capital Capacity

How much capital can your business access?

An estimate of what your business could borrow, based on your revenue, time in business, and credit.

Free·No credit pull·About two minutes
Estimate my capacity

What it is

You answer a few questions about your business and get an estimated range of what you could borrow, across term financing and a line of credit. It uses the same sizing math our underwriting desk uses. The figure is an estimate for discussion, not an offer, and we do not pull your credit to produce it.

How it works

01
Tell us about your business
Revenue, time in business, existing payments, and your credit range.
02
See your estimate
We run the sizing math and show your range and what drives it.
03
Decide
Review it with a specialist, or keep the number. No obligation.

What determines your number

Business financing is sized off what your company can support, not the amount you ask for. Three things do most of the work:

1
Cash flow
The money left after expenses is what covers a new payment. A lender keeps that payment inside your cash flow, so this is usually the real ceiling.
2
Revenue
Your annual revenue sets the outer limit. Most programs cap a term loan and a line of credit at a multiple of it.
3
Credit
Your credit decides how much you can borrow and at what rate. A stronger profile means a larger amount and a lower payment.

The estimator runs these and shows you which one is limiting your number and what would raise it.

Free · Two minutes

The Capital Capacity Estimator

A few questions, then your estimate and what drives it.

Step 1 of 3 · Your business
Why we ask
Lenders size financing against the cash your business generates. Revenue and your existing payments matter most, so we start there.

Your typical total sales in a month, before expenses. A rough average is fine.

Longer track records generally support larger amounts.

Loans, lines, or advances you already pay each month. This is subtracted from what a new payment can be.

Helps us point you to the right kind of capital. It doesn’t change the estimate.

Free · About two minutes · An estimate for discussion, not an offer · Business-purpose only.