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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Funding Amounts · 2026

How Much Can My Business Borrow?

Your funding amount scales with revenue, not just credit. Here's roughly what to expect.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
All industriesdirect funder
No collateralfor working capital

See how much your business qualifies for

$25K to $5M — approved on your revenue, funded in as little as 24 hours. A direct funder built for speed. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

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🔒 Soft credit pull · will not affect your credit score

Short answer: Your funding amount scales with monthly revenue. As a guide: $20K-$50K/mo often qualifies for $10K-$100K; $50K-$150K/mo for $75K-$400K; and high-revenue businesses for up to $5,000,000. FICO 500+ qualifies, and Direct Fast Funding funds in as little as 24 hours.

Funding amount by monthly revenue

Approximate 2026 ranges through Direct Fast Funding.

Monthly revenueTypical funding rangeNotes
$10K-$20K$5K-$50KNewer / smaller businesses
$20K-$50K$10K-$100KMost small businesses
$50K-$150K$75K-$400KEstablished businesses
$150K-$500K$300K-$2MLarger operations
$500K+Up to $5MHigh-revenue businesses

What raises your amount

  • Higher, more consistent monthly deposits
  • Longer time in business
  • Fewer existing advances or obligations
  • Healthy balances with few negative days
  • Stacking products (LOC + equipment)
  • Strong repeat revenue

What you need to apply

  • US-based operating business
  • 6+ months in business
  • ~$20,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

How much can my business borrow?
Amounts scale with revenue — from a few thousand for small businesses up to $5,000,000 for high-revenue ones. Deposits drive the number more than credit.
Does credit score cap my amount?
Less than you'd expect — revenue and deposit consistency drive the amount, and FICO 500+ can still qualify for substantial funding.
Can I combine products for more?
Yes — stacking a line of credit with equipment financing can raise your total available capital.
How fast can I find out?
The 5-minute application returns an offer the same day with a soft credit pull.
What if I have existing debt?
It reduces available room but you may still qualify for additional funding or a consolidation.

See your real number

Apply in 5 minutes with a soft credit pull. Find out exactly what you qualify for.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

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Approved on your revenue, not just your credit. Start your 1-minute application.

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Why owners choose Direct Fast

A direct funder — no broker layer, no runaround. Fast capital approved on your revenue.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

🤝

Direct funder — no brokers

You deal with the funder, not a middleman. Faster answers, better terms, no stacked markups.

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Approved on your revenue

500+ FICO accepted. We underwrite on your bank deposits and sales, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute