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How Much Business Funding Can I Actually Get?

Published: November 29, 2025 | Merchant Fund Express

✓ $5K - $500K Funding ✓ 24-Hour Approval ✓ No Collateral Required ✓ All Credit Types Welcome

Understanding funding amounts helps you plan. Here's what determines how much capital you can access.

Revenue-Based Calculations

Most funding amounts are based on monthly revenue. Typical ranges are 1-2x monthly revenue for MCAs and higher for term loans.

Time in Business Matters

Newer businesses typically qualify for smaller amounts. As you build history, funding capacity increases.

Industry Factors

Some industries are considered higher risk and may receive smaller amounts or different terms than lower-risk industries.

Existing Obligations

Current debts affect how much additional funding you can handle. Lenders calculate your capacity to take on more.

Building Your Funding Capacity

Start with smaller amounts, repay successfully, and you'll qualify for larger funding over time. Building a track record pays off.

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