How much can your business borrow?

A free estimate for lines of credit, term loans, SBA loans and business cards, based on the guidelines lenders commonly use. No sign-up and no credit pull.

$
$

Loans, lines and leases your business already pays each month.

15% of revenue

Not sure? 10–20% is common for small businesses.

Time in business
Owner credit score
Business credit file

Your largest likely option

$60k – $105k

Cash flow lenders count: $4k a month. Room for new payments: $3k a month.

  • Business line of credit

    $24k – $39kLikely

    Revenue, time in business and credit meet common minimums.

  • Term loan

    $60k – $105kLikely

    Your cash flow can support new payments.

  • SBA 7(a) loan

    —Not yet

    SBA lenders typically want 2 years in business.

  • Business credit cards

    $5k – $25kLikely

    Limits are set mostly by owner credit; business credit can raise them.

What would raise it most: Two years in business opens SBA loans, usually the largest and lowest-cost option.

Build the file that raises it
How this is estimated
  • Business line of credit: About 8–15% of annual revenue, limited by what your cash flow can repay.
  • Term loan: Payments up to cash flow ÷ 1.25, over 2–5 years at 11–16%.
  • SBA 7(a) loan: Payments up to cash flow ÷ 1.25, over 10 years at about 11.5%.
  • Business credit cards: Typical limits for this owner credit range, higher with an established business file.
  • Lenders require cash flow to cover all debt payments about 1.25 times.

An estimate based on common lender guidelines, not an offer or approval. Real terms depend on each lender, your documents and your full credit history.

Cash flow comes first

Most lenders want your cash flow to cover all debt payments about 1.25 times. The calculator works backwards from that to the largest payment, then the largest loan, you could carry.

Time in business opens doors

Many online lenders start at 6 to 12 months. Banks and SBA lenders usually want 2 years. Use the time in between to build your business credit file.

Business credit raises limits

Cards and credit lines are sized mostly on owner credit at first. A PAYDEX of 80 or higher and several reporting accounts can raise limits and reduce reliance on your personal credit.