The short answer
At a glance
| MFE range | $5,000 to $5,000,000 |
|---|---|
| MCA sizing guideline | Roughly 0.5x to 1.5x monthly revenue, illustrative only |
| MCA revenue guideline | Commonly from about $7,500 a month, often 3+ months |
| Working capital guideline | Commonly from about $17,500 a month, 6+ months, 600+ credit |
| Line of credit guideline | Commonly from about $17,500 a month, 1+ year, about 650+ credit |
| What lowers the amount | Existing positions, frequent NSFs, falling deposits, restricted industry |
| What raises it | Steady or rising deposits, longer history, stronger credit |
| Documents | 3 to 4 months of statements; larger requests can need financials and tax returns |
| Avoid | Taking the maximum just because it is offered |
Before you apply: checklist
- Average your last 3 to 4 months of business deposits, excluding transfers and loan proceeds
- Multiply by 0.5 and 1.5 to get a rough range
- Subtract room already used by existing advance or loan payments
- Decide the amount you actually need, then check it against the range
- Test the payment against your slowest recent month
- For $300K and up, prepare financial statements and tax returns
- Ask for the total payback for two or three different amounts
- Keep the request tied to a specific use
Check what your business qualifies for
Merchant Fund Express reviews how much business funding you can get requests from $5,000 to $5,000,000. Scores from 500 are considered, and same-day decisions are common on complete files.
Check funding options with Merchant Fund ExpressThe revenue ladder: $10K to $750K
Each row shows the monthly revenue range that the 0.5x to 1.5x guideline points to. The low column assumes sizing at 1.5x revenue; the cautious column assumes 0.5x. For $10K, the floor reflects MFE's merchant cash advance guideline of about $7,500 a month.
| Amount | Monthly revenue at 1.5x (low end) | Monthly revenue at 0.5x (cautious end) |
|---|---|---|
| $10K | $7,500 | $20,000 |
| $15K | $10,000 | $30,000 |
| $20K | $13,300 | $40,000 |
| $25K | $16,700 | $50,000 |
| $30K | $20,000 | $60,000 |
| $40K | $26,700 | $80,000 |
| $50K | $33,300 | $100,000 |
| $75K | $50,000 | $150,000 |
| $100K | $66,700 | $200,000 |
| $150K | $100,000 | $300,000 |
| $200K | $133,300 | $400,000 |
| $250K | $166,700 | $500,000 |
| $300K | $200,000 | $600,000 |
| $500K | $333,300 | $1,000,000 |
| $750K | $500,000 | $1,500,000 |
Read more in how much can I borrow and revenue required for business funding.
Sizing rules funders use
- Revenue multiple: the 0.5x to 1.5x range above for advances.
- Payment burden: the new payment plus existing ones should leave room in a slow month.
- Trend: rising deposits support the higher end; falling deposits pull toward the lower end.
- Product: working capital and lines of credit are sized with credit and history in mind, and equipment financing is sized to the equipment quote.
Illustrative example: $50,000 monthly revenue
| Assumption | Figure |
|---|---|
| Average monthly deposits | $50,000 |
| Range at 0.5x to 1.5x | $25,000 to $75,000 |
| Existing advance payment per month | $4,000 |
| Assumed max payment burden (15% of deposits) | $7,500 |
| Room left (7,500 - 4,000) | $3,500 a month |
| Payback that room supports over 10 months (3,500 x 10) | $35,000 |
| Amount at an assumed 1.30 factor (35,000 / 1.30) | About $26,900 |
The revenue range says up to $75,000, but the existing payment pulls the practical number down near the low end. A refinance review might be the better conversation.
These figures are illustrations, not offers. Real terms depend on the full file and are set by the funder at review.
Funding brings customers. Is your website ready for them?
Funding usually pays for growth: more stock, staff, equipment or marketing. Make sure the customers that growth brings find a website that explains what you do and makes it easy to call, book or buy. Cheap Cheap Websites builds professional sites from $399, with Website Care at $30/month.
Common mistakes
- Counting transfers between your own accounts as revenue.
- Using your best month instead of the average.
- Forgetting existing advance payments when estimating room.
- Taking the top of the range and struggling in a slow month.
- Asking for $500K or more without financials ready.
How Merchant Fund Express handles this
Merchant Fund Express sizes requests from $5,000 to $5,000,000 after reviewing deposits, history, credit and existing positions. Use the Merchant Fund Express how much can I borrow page to estimate, then compare it with this ladder. Credit from 500 is considered, and stronger credit usually means better offers.
Bring 3 to 4 months of business bank statements, ID and a voided check. Larger requests can need financial statements and tax returns. Then apply with Merchant Fund Express.
Related
Cheap Cheap Websites builds websites. It does not lend or make funding decisions. Funding is offered by our funding partner, Merchant Fund Express, and every request is subject to its review and approval. Figures on this page are illustrations, not offers. Updated October 16, 2026.