Which products fit at $100K a month
| Product | Fit | What to know |
|---|---|---|
| Working capital loan | Strong fit | Larger fixed amounts are possible with 12+ months of history and steady statements. |
| Business line of credit | Strong fit with 1+ yr and 600+ credit | A revolving limit sized to revenue, useful for uneven cash flow. |
| Merchant cash advance | Good fit | Faster and more flexible on credit, with higher cost. Compare total repayment, not just the payment. |
| Equipment financing | Good fit if buying equipment | Larger purchases are financeable with the equipment as security. Terms up to 60 months. |
| Invoice factoring | Fit if you invoice businesses | Scales with your receivables. Useful when customers pay in 30 to 90 days. |
| Revenue-based financing / MCA refinance | Fit if payments are heavy | Consolidation matters more at this level, where several positions can quietly consume a large share of deposits. |
Illustrative sizing: At $100K a month, a $100,000 request is one month of revenue. It can be reasonable with clean statements and little existing debt, and hard to support if you already carry a daily-pay advance. These are general guidelines to help you plan, not offers or commitments. Amounts and terms depend on your bank statements, credit and existing obligations.
Documents funders typically ask for
- Last 4 months of business bank statements (all pages, all accounts)
- Government-issued photo ID for each owner
- A voided check or bank letter
- Completed application
- Recent merchant processing statements if you take cards
- A list of existing loans and advances with balances and payments
- For equipment: vendor quote or invoice; for factoring: A/R aging
Having these ready is the single easiest way to speed up a decision. Not sure what your statements will show? Read what underwriters look for in your bank statements.
What to consider before you take funding
- Funders add up every payment you already make. Over about 20% of revenue in total debt payments, expect smaller offers or a refinance recommendation.
- Deposit concentration matters. One large customer or a few big deposits can be discounted.
- Multiple bank accounts must be disclosed. Funders compare them for round-tripping and transfers.
- Two or three smaller products can be wiser than one large one, but stacking daily payments is how good businesses get into trouble.
Check where you stand
Fundability quiz
Get a 0 to 100 score and see which products fit your revenue, credit, history and existing payments.
Take the quiz →Cost calculator
Test payment size and total repayment, and how it compares to $100K a month.
Open the calculator →Requirements
Revenue, time in business, balances and positions explained in plain English.
Revenue requirements →