# How much can I borrow?

Source: https://businessloanbroker.ai/tools/how-much-can-i-borrow/
Site: BusinessLoanBroker.ai (powered by Levr)

> Enter monthly revenue, existing debt payments, time in business and credit to see a realistic borrowing range for each product, from merchant cash advance to SBA.

Lenders size loans from revenue and free cash flow, then gate by time in business and credit. Enter four numbers to see a realistic range per product.

## How are the ranges set?

Merchant cash advances typically advance about one month of revenue. Revenue based financing goes to one or two months. Online term lenders lend roughly 10% to 25% of annual revenue. Banks and SBA lenders size from free cash flow after existing debt, so that the new payment is covered with room to spare (a [DSCR](https://businessloanbroker.ai/guides/dscr-explained/) of 1.15 to 1.25). Time in business and credit then decide which doors are open. These are typical sizing rules, not a lender's decision.

## What moves the number most?

Existing debt. Every dollar of monthly debt payment removes several dollars of bank and SBA capacity. Paying off a merchant cash advance before applying often raises what a bank will lend by more than the advance was worth. Time in business is the next gate: crossing two years opens banks and SBA. Credit score matters most under 600 and above 680.

## Questions and answers
**Why do some products say 'not yet'?**

Because a gate like time in business or credit is not met for that product. The note says which one. The situation guides explain how to clear it.

**Can I borrow more than the top of the range?**

Sometimes, with collateral, a strong guarantor or a specific purpose like equipment or real estate where the asset carries the loan.

## Related
- [Business loan requirements](https://businessloanbroker.ai/guides/business-loan-requirements/)
- [Business loans under one year in business](https://businessloanbroker.ai/situations/under-one-year/)
- [Business loans with bad credit](https://businessloanbroker.ai/situations/bad-credit/)
- [DSCR calculator](https://businessloanbroker.ai/tools/dscr-calculator/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-how-much-can-i-borrow
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)