Which products fit at $500K a month
| Product | Fit | What to know |
|---|---|---|
| Business line of credit | Strong fit | A larger revolving limit to smooth payroll, inventory and receivable gaps. |
| Working capital loan | Strong fit | Large fixed advances for defined projects or seasonal buildup. |
| Invoice factoring | Strong fit if you invoice businesses | Capacity grows with receivables and does not rely on your credit alone. |
| Equipment financing | Strong fit if buying equipment | Multiple units or higher-value assets financed for up to 60 months. |
| Merchant cash advance | Selective | Rarely the best price at this size. Considered when speed outweighs cost. |
| Revenue-based financing / MCA refinance | Fit if payments are heavy | Used to replace costly short-term debt with a single, lower payment. |
Illustrative sizing: At $500K a month, even half a month of revenue is a $250,000 request. Structure matters: a revolving line, a term product and equipment financing can each fit a different part of the need. 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 months of business bank statements (all accounts)
- Government-issued photo ID for each owner
- Voided check or bank letter
- Completed application
- Last 1 to 2 years of business tax returns, plus year-to-date profit and loss
- Current balance sheet if available
- Full debt schedule
- A/R and A/P aging, processing statements or equipment quotes depending on product
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
- Documentation needs rise with amount. Having statements, returns and a debt schedule ready speeds everything up.
- Customer concentration, margins and seasonality can matter as much as revenue.
- Several smaller facilities may be easier to place than one very large one.
- Personal guarantees and collateral are more common at higher amounts. Read the terms carefully before signing.
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 $500K a month.
Open the calculator →Requirements
Revenue, time in business, balances and positions explained in plain English.
Revenue requirements →