# How much can your business borrow? Start with your deposits

URL: https://cheapcheapwebsites.com/business-funding/how-much-can-i-borrow/
Updated October 15, 2026. Funding offered by Merchant Fund Express (https://merchantfundexpress.com/how-much-can-i-borrow/); Cheap Cheap Websites builds websites and does not lend.

## The short answer
Most fast business funding is sized on three things: your average monthly deposits, the payments you already make, and the product you choose. For a merchant cash advance, MFE's pages use roughly 0.5x to 1.5x monthly revenue as an illustrative range, while loans and lines also weigh credit and time in business. MFE funds from $5,000 to $5,000,000, but the right amount is the one whose payment fits your slowest month.

## Input 1: monthly deposits
Funders read your last 3 to 4 months of bank statements and calculate average deposits. They also look at consistency. A business depositing $30,000 every month will usually be sized more generously than one averaging $30,000 from a $70,000 month and two $10,000 months. Transfers between your own accounts and loan proceeds are usually excluded, since they are not revenue.

## Input 2: existing payments
Every payment already leaving your account reduces what you can carry. Advance remittances, loan payments and equipment payments all count. A business with $50,000 in deposits and no debt has more room than one with the same deposits and $8,000 a month in existing payments. If you already carry multiple advances, see MCA consolidation before asking for more.

## Input 3: the product
Product Common revenue guideline Other guidelines Merchant cash advance About $7,500+/month 3+ months; credit flexible Working capital loan About $17,500+/month 6+ months; commonly 600+ credit Line of credit About $17,500+/month 1+ year; commonly about 650+ credit Equipment financing Based on the deal 6+ months; vendor quote; terms up to 60 months Invoice factoring Based on invoices B2B or government invoices, net 30 to 90 These are MFE's published planning guidelines, not approval rules. Equipment and factoring are sized mostly by the equipment price or invoice value rather than by a multiple of revenue.

## Illustrative MCA ranges by revenue
Illustrative example. These figures are illustrations built on stated assumptions, not offers. Real pricing depends on the file MFE reviews. Monthly deposits 0.5x 1.0x 1.5x $12,000 $6,000 $12,000 $18,000 $30,000 $15,000 $30,000 $45,000 $80,000 $40,000 $80,000 $120,000 Existing payments, credit and history can move an actual offer below or above these numbers.

## Worked example: asking for the right amount
Illustrative example. These figures are illustrations built on stated assumptions, not offers. Real pricing depends on the file MFE reviews. Assumptions: a bakery deposits about $30,000 a month and has no existing advances. It asks for $30,000 (1x), with an assumed 1.30 factor rate, a $900 fee and remittances over about 126 business days. Item Amount Funding amount $30,000 Fee at funding $900 Net cash received $29,100 Total repayment ($30,000 x 1.30) $39,000 Daily remittance ($39,000 / 126) $309.52 Monthly remittances at 21 days about $6,500 Share of $30,000 deposits about 21.7% If the bakery's slowest month is $22,000, the same $6,500 becomes about 29.5% of deposits. If that feels too tight, asking for $20,000 drops the monthly remittance to about $4,333 under the same assumptions.

## How to ask well
Write down what the money is for and its cost, with quotes if you have them. Add a small cushion, not a big one. Unused funding still costs money. Check the payment against your slowest month in the last year. Submit complete statements so the first offer is accurate. You can request an amount on the MFE how much can I borrow page . If your score is low, also read business funding with bad credit .

## Frequently asked questions
**Why might an offer be smaller than I asked for?** Usually because of existing payments, uneven deposits or a short history. The offer is sized so the payment can be carried. You can ask what would support a larger amount later.

**Do cash deposits count?** Deposits that show on business bank statements count. Cash that never reaches the bank cannot be seen, so deposit revenue consistently if you plan to apply.

**What is the smallest and largest amount MFE funds?** MFE funds from $5,000 to $5,000,000 across its products. Larger requests can need financial statements or tax returns in addition to bank statements.

**Does asking for more hurt my chances?** Asking far above what deposits support can lead to a smaller counteroffer or more questions. A request that matches your numbers and purpose is easier to review.

**Should I take the largest amount offered?** Not automatically. Take what the plan needs and what your slowest month can repay. A smaller amount means a smaller cost.

## Website for growing businesses
Whatever amount you settle on, part of the plan should be how new customers find you, because deposits are what support both the payment and your next offer. A current website with clear services and a simple way to reach you protects that revenue. Cheap Cheap Websites builds professional sites from $399, with Website Care at $30/month, and an optional Monthly SEO add-on.

Apply for funding: https://merchantfundexpress.com/current-application.html?src=ccw-how-much-can-i-borrow
Website plans: https://cheapcheapwebsites.com/products