Guide 5 min read

How Much Working Capital Can You Get With 6 Months of Bank Statements?

Lenders don't pull a number out of thin air. Here's the actual math behind it, so you can ballpark your own number before you ever submit an application.

TL;DR

Most revenue-based lenders offer roughly 1x–1.5x your average monthly revenue, sometimes up to 2x for very strong files.
What matters most: average monthly deposits, not year-end profit on your tax return.
Consistency beats size: a steady $80K/month beats an erratic $150K/month.
Negative days and NSFs pull your number down, even if total revenue looks fine.
Want the exact number? → Skip to "Get a real answer" below.

1The starting formula

Take your average monthly deposits over the last 3–6 months. Most revenue-based lenders will offer somewhere between 1x and 1.5x that number, with stronger files (high consistency, healthy average daily balance, minimal negative days) sometimes reaching 2x.

📌 Example: average monthly deposits of $60,000 typically puts you in a rough range of $60,000–$90,000 in available working capital, before factoring in the specifics of your file.

2What actually moves the number up

Consistency of deposits month over month, not just total volume
Average daily balance staying comfortably positive
Few or no negative balance days and no NSF (non-sufficient funds) incidents
Longer time in business, generally 2+ years reads as lower risk
Existing debt load that's manageable relative to revenue

3What pulls the number down

⚠️ Heads up: A high-revenue month followed by a weak one reads worse than two steady, moderate months. Lenders are pricing consistency, not just volume.

Frequent negative days, existing high-cost debt already pulling daily payments, or a recent sharp drop in deposits will all reduce what a lender is comfortable offering, even if your trailing 12-month total looks strong on paper.

4A rough self-estimate table

Avg. monthly deposits	Conservative estimate (1x)	Strong-file estimate (1.5x–2x)
$25,000	$25,000	$37,500–$50,000
$50,000	$50,000	$75,000–$100,000
$100,000	$100,000	$150,000–$200,000

These are directional estimates, not offers. Your actual number depends on industry, existing debt, and the specific lender's model.

5Why this matters before you apply

Knowing your realistic range means you're not wasting time chasing a number that doesn't match your deposits, and you're not underselling yourself by assuming you'd only qualify for less than you actually would. Next, see exactly what documents you'll need and what happens after you apply.

💡 Tip: Pull your last 6 months as PDFs directly from your bank's portal. Clean, complete statements get evaluated faster than screenshots or partial exports.

Get a real answer, not an estimate

Send us your last 6 months of bank statements and we'll tell you the actual number you'd qualify for.

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