Which products fit at $1M+ a month
| Product | Fit | What to know |
|---|---|---|
| Business line of credit | Strong fit | Large revolving capacity matched to your cash cycle. |
| Working capital loan | Strong fit | Large fixed amounts for defined needs. |
| Invoice factoring | Strong fit if you invoice businesses | Advance capacity tied to receivables across multiple customers. |
| Equipment financing | Strong fit if buying equipment | Fleet or production equipment financed for up to 60 months. |
| Merchant cash advance | Selective | Generally a bridge, not a primary facility, at this size. |
| Revenue-based financing / MCA refinance | Fit if carrying short-term debt | Replacing several advances with one payment can free meaningful monthly cash flow. |
Illustrative sizing: At $1M a month the useful question is not "how many times revenue" but "what is this money for and what secures it." That framing usually gets a better structure than a flat 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 6 to 12 months of business bank statements (all accounts)
- Government-issued photo ID for each owner
- Last 2 years of business tax returns and year-to-date financials
- Balance sheet and profit and loss
- Complete debt schedule with lenders, balances and payments
- A/R and A/P aging, customer concentration summary
- Equipment quotes or contracts supporting the specific use of funds
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
- Expect a detailed review. Funders will want to understand your margins and your customers, not only your deposits.
- Collateral, personal guarantees and covenants are more likely. Understand each before you sign.
- Total debt service across all lenders drives sizing. Consolidation can change what is available.
- Because requests are structured, talk to a specialist early. The quiz and calculator give you a starting point, not a quote.
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 $1M+ a month.
Open the calculator →Requirements
Revenue, time in business, balances and positions explained in plain English.
Revenue requirements →