Working Capital Pre-Qualification & Cost Calculator
By Jon Lynch — Commercial Finance Broker, Jon Lynch Financial Group · Veteran-owned · Updated July 20, 2026
Two questions, answered in about thirty seconds each. The first tab estimates what your business could realistically be funded for, based on the thing funders actually underwrite: your bank deposits. The second calculates what an advance costs in total dollars — the number that matters, and the one a factor rate hides. No credit pull, no email, nothing leaves your browser. Our core placements run for businesses doing $50,000+ a month in deposits, most deals land $20K–$200K, and there's a dedicated program below $20K — the calculator points you to the right one either way.
Total deposits into the business account, not net profit. Look at the last 3 months and average them.
Optional — leave blank to just see the range.
Commonly 1.15–1.49.
Commonly 8–20%.
How is the indicative range calculated?
Revenue-based advances size off deposits, not credit. Most funders land between 75% and 125% of average monthly deposits for a business with clean statements and a year or more of history. This calculator applies that band and then adjusts for the two things that move it most: time in business and existing positions.
How each input moves the indicative range — illustrative, not funder-specific
Input
Effect on range
Why
Under 6 months in business
Generally not fundable
Most funders require ~6 months of deposit history to underwrite
6–12 months
Reduced meaningfully
Shorter history, less demonstrated consistency
2+ years
Full range
Enough history to read a trend
1 open position
Reduced
Part of revenue is already committed to remittance
2 positions
Reduced substantially
Combined remittance is already a large share of gross
3+ positions
Generally not fundable
Most funders decline; consolidation is the relevant conversation
This is an estimate, not an offer. No approval, amount, rate, or timing is guaranteed. Real terms are set by third-party funders after reviewing your bank statements and a complete application. A file that looks strong here can still be declined, and a file that looks marginal here sometimes funds. The only way to know is to have someone read the statements.
Why total dollars matters more than the factor rate
A factor rate is a flat multiplier fixed at the start. $50,000 at a 1.30 factor is $65,000 repaid — a $15,000 cost — and remitting faster does not reduce it unless the agreement contains an explicit early-payoff benefit. That is the opposite of how a term loan works, where interest accrues on a declining balance and paying early genuinely saves money.
The holdback is a separate lever. It sets how much revenue leaves your account each week and therefore how long repayment takes — but it does not change the total. A lower holdback feels easier and costs the same.
So there is exactly one number to demand from any funder or broker: the total dollars you will repay. Everything else is packaging.
Want the real numbers instead of an estimate? Send three months of business bank statements and we'll come back with what funders will actually do — including whether waiting or a cheaper product is the better call.
No credit pull to talk. Business-purpose financing only.
Under $20K a month in deposits? Most of what's above is priced for businesses doing $50K or more a month in deposits — that's the core of what we place. Funding doesn't stop below that line, though; the structure just changes. There's a program built for exactly your revenue level, and the same rule applies either way.
Handled through a funding partner. No upfront cost, and we're paid only if it funds.
Frequently asked questions
What do funders actually use to decide how much I qualify for?
Bank deposits, primarily. Most advances size between roughly 75% and 125% of average monthly deposits. Deposit consistency, average daily balance, negative days, and existing positions matter more than a personal credit score.
What is a factor rate and how is it different from an interest rate?
A factor rate is a flat multiplier fixed at the start — $50,000 at 1.30 means $65,000 repaid regardless of speed, absent an explicit early-payoff benefit. Interest accrues on a declining balance, so paying faster costs less. The two numbers are not comparable.
What is a holdback?
The percentage of revenue remitted to the funder, commonly 8–20%. It sets your cash-flow pressure and repayment duration. It does not change total cost.
What is the minimum monthly revenue to qualify?
About six months of operating history, and deposits from roughly $10,000 a month up. Most placements run $20K–$200K in monthly deposits, with $50,000+ the range where the most options open up. Under $20K a month has a dedicated program.
Does using this calculator affect my credit?
No. It runs entirely in your browser, performs no credit inquiry, and asks for no email address or personal information.
Is the range shown an offer?
No. It's an illustrative estimate based on typical funder sizing — not an offer, approval, or quote.