# How much revenue you need for business funding

URL: https://cheapcheapwebsites.com/business-funding/revenue-required-for-business-funding/
Updated October 15, 2026. Funding offered by Merchant Fund Express (https://merchantfundexpress.com/qualify/revenue-required-for-business-funding/); Cheap Cheap Websites builds websites and does not lend.

## The short answer
At Merchant Fund Express, a merchant cash advance commonly starts around $7,500 a month in revenue, while working capital loans and lines of credit commonly start around $17,500 a month. Revenue means real customer deposits into your business bank account, not transfers, owner contributions or loan proceeds. These are planning guidelines, and time in business and credit also matter.

## Monthly revenue guidelines by product
Product Common monthly revenue Time in business Credit Merchant cash advance about $7,500+ often 3+ months flexible Working capital loan about $17,500+ often 6+ months commonly 600+ Line of credit about $17,500+ usually 1+ year commonly about 650+ Invoice factoring based on invoices varies customers' credit matters most Equipment financing leans more on the equipment and the quote, and often wants 6+ months in business. See MFE's revenue requirements guide for the same guidelines from the funding side.

## What counts as revenue
Funders read your bank statements and add up deposits that come from customers. That usually includes card settlements, ACH payments from clients, checks from customers and delivery or marketplace payouts. They typically remove : Transfers between your own accounts. Money you put in from personal savings. Loan or advance proceeds. Refunds, chargebacks and reversed deposits. One-time items such as an insurance payout or asset sale.

## Illustrative example: from gross deposits to an offer
Assumptions: a landscaping company with $26,400 in gross deposits last month, of which $4,000 was a transfer from savings and $2,400 was the owner's own money. Advance sized at 1.0x qualifying revenue, factor rate 1.30, 2.5% fee, fixed daily payment over 130 business days. Item Amount Gross deposits $26,400 Less savings transfer -$4,000 Less owner contribution -$2,400 Qualifying monthly revenue $20,000 Guideline range (0.5x to 1.5x) $10,000 to $30,000 Advance amount used here $20,000 Fee (2.5%) $500 Net cash received $19,500 Total repayment ($20,000 x 1.30) $26,000 Daily payment ($26,000 / 130 days) $200 Illustrative example only. Notice the owner expected to qualify on $26,400 and the real figure was $20,000. Run this math on your own statements before you decide how much to request. These figures are illustrations, not offers. Real pricing, amounts and terms depend on the full file.

## Who meets these guidelines and who does not
Businesses with steady sales above the guideline and a clean account usually see the widest range of options. Sole proprietors qualify the same way when their sales run through a business account. Businesses below about $7,500 a month, or whose customers pay in cash that never reaches the bank, will struggle. So will businesses whose deposits drop sharply in the most recent month. Seasonal owners should read how seasonal revenue is reviewed .

## How to make your revenue easier to read
Deposit all sales, including cash, into the business account. Stop mixing personal spending in the business account. Label transfers so they are obviously not sales. Keep one main operating account instead of spreading deposits across several.

## What to prepare
3 to 4 months of business bank statements, all pages. Government ID and a voided business check. A short application. For larger amounts: financial statements and tax returns. If you also want to know how long you need to be open, see time in business guidelines .

## When waiting is better
If your qualifying revenue sits just under a guideline, two or three stronger months can move you into a different product with lower cost. Waiting also helps when last month was unusually low, because funders weigh the most recent statements heavily. If the need is urgent, apply for a smaller amount now and plan to review again later.

## Frequently asked questions
**What is the lowest monthly revenue for business funding?** At MFE, merchant cash advance guidelines commonly start around $7,500 a month in deposits. Working capital loans and lines of credit commonly start around $17,500 a month. These are guidelines, not approval rules.

**Do cash sales count as revenue?** Only if they are deposited into the business bank account. Funders review bank statements, so cash kept out of the bank does not show up and cannot support an offer.

**Is revenue the same as profit for funding?** No. Funders look at deposits, which is closer to gross sales. They also look at balances, negative days and existing payments to judge whether the business can carry a new payment.

**Do marketplace payouts count?** Generally yes. Payouts from delivery apps, online marketplaces and card processors are customer sales. Keep the payout reports handy in case the funder asks to match them to deposits.

## Website for growing businesses
More qualifying revenue is the most direct path to better offers, and a website that turns local searches into bookings adds deposits month after month. Cheap Cheap Websites builds professional sites from $399, with Website Care at $30/month covering hosting, backups and small edits.

Apply for funding: https://merchantfundexpress.com/current-application.html?src=ccw-revenue-required-for-business-funding
Website plans: https://cheapcheapwebsites.com/products