Quick answer: Most business lenders base how much you can borrow on your monthly revenue, your existing debt payments and how long you’ve been in business. As a rough rule, non-bank lenders often approve amounts somewhere around one to two months of revenue for a short-term loan, adjusted up or down for credit, cash flow and existing debt. Brookestone Funding offers $10,000 to $2,000,000 for businesses with $30,000+ in monthly revenue.
What determines how much you can borrow
| Factor | Why it matters |
|---|---|
| Monthly revenue | The biggest factor — it shows how much you can repay |
| Existing loan payments | Current debt reduces room for a new payment |
| Average bank balance | Shows a cushion to cover payments |
| Time in business | Longer history usually supports larger amounts |
| Credit score | Affects rate and sometimes the maximum amount |
| Loan type and term | Longer terms and SBA loans can support larger amounts |
Example estimates
These are illustrations only; your actual offer depends on underwriting.
| Monthly revenue | Possible range for a short-term business loan |
|---|---|
| $30,000 | About $30,000 – $60,000 |
| $75,000 | About $75,000 – $150,000 |
| $150,000 | About $150,000 – $300,000 |
| $500,000+ | Up to $1,000,000 or more |
How to qualify for a larger amount
- Show steady deposits. Consistent monthly revenue supports bigger approvals.
- Keep a healthy balance and avoid overdrafts before applying.
- Pay down or consolidate existing debt to free up room for a new payment.
- Choose a longer term so the payment fits your cash flow.
- Consider an SBA loan for very large amounts if you can wait several weeks.
Borrow what you need, not the maximum
A bigger approval isn’t always better. Borrow what the project actually requires, and make sure the payment is comfortable in your slowest month. Compare the total amount you’ll repay across offers.
Brookestone Funding amounts and requirements
Business term loans, lines of credit and SBA loans from $10,000 to $2,000,000, terms up to 36 months and rates starting at 8% for qualified businesses. Minimums: 2+ years in business, $30,000+ monthly revenue, 600+ credit score and recent business bank statements.
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Frequently Asked Questions
How much of a business loan can I get based on revenue?
Many non-bank lenders approve roughly one to two months of revenue for a short-term loan, adjusted for existing debt, bank balances and credit. Your actual amount depends on underwriting.
Can I get a $50,000 business loan quickly?
Yes. A business with around $30,000 or more in monthly revenue, 2+ years in business and a 600+ credit score may qualify for $50,000 with Brookestone Funding, often funded the same day.
What is the maximum business loan amount?
Brookestone Funding offers up to $2,000,000 for qualified businesses. SBA loans can go higher for eligible businesses.
Does existing debt lower how much I can borrow?
Yes. Lenders look at your current loan payments to make sure there is room for a new one.
Ready to see what your business qualifies for? Brookestone Funding offers business term loans, lines of credit and SBA loans from $10,000 to $2,000,000, with same-day funding available for qualified businesses. Apply in minutes, see our business loan options, or call 212-258-0602.
