# How much funding can I get? The amounts cheat sheet

URL: https://cheapcheapwebsites.com/cheat-sheets/funding-amounts/
Updated October 16, 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
A common rule of thumb for merchant cash advance sizing is roughly 0.5x to 1.5x your monthly revenue, so a business depositing $40,000 a month might see somewhere between $20,000 and $60,000. Existing advances, NSFs, credit and industry move that number up or down. Merchant Fund Express reviews $5,000 to $5,000,000; the ladder below is illustrative only, not an offer.

## 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

## The 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
Illustrative example 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.

## 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 .

## Frequently asked questions
**How much funding can I get with $50,000 a month in revenue?** Using the 0.5x to 1.5x guideline, roughly $25,000 to $75,000 for an advance, before accounting for existing payments, NSFs and credit. The actual offer depends on the full file.

**What revenue do I need for $100,000?** The guideline points to roughly $66,700 to $200,000 a month in revenue. Steady deposits and few existing positions push toward the lower revenue figure; weaker files need more revenue.

**Can I get $500,000 or $750,000?** Yes, MFE reviews up to $5,000,000. Requests that large usually need monthly revenue in the hundreds of thousands, plus financial statements and tax returns on top of bank statements.

**Why is my offer lower than the ladder?** Existing advance payments, NSFs, a falling deposit trend, short time in business or a restricted industry can all reduce the amount. The ladder is a starting estimate, not an offer.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=cheat-sheet&utm_campaign=funding-amounts