Which products fit at $50K a month
| Product | Fit | What to know |
|---|---|---|
| Working capital loan | Good fit | A fixed amount on a set schedule. Often the cleanest option if credit and history are solid. |
| Merchant cash advance | Good fit | Underwritten mostly on deposits. Stays available with weaker credit, but costs more and pays daily or weekly. |
| Business line of credit | Possible | Usually needs 1+ year in business and fair-or-better credit. Draw only what you need. |
| Equipment financing | Good fit if buying equipment | The equipment secures the financing. Terms up to 60 months. |
| Invoice factoring | Fit if you invoice businesses | Advances against unpaid invoices. Customer payment history matters more than your credit. |
| Revenue-based financing / MCA refinance | Fit if already carrying advances | Replaces several daily debits with one smaller payment. |
Illustrative sizing: At $50K a month, a $25,000 request is about half a month of revenue. A $75,000 request is about 1.5 months and will draw closer scrutiny of balances and existing debt. 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 3 to 4 months of business bank statements (all pages)
- Government-issued photo ID for each owner
- A voided check or bank letter
- Completed application, including ownership percentages
- For equipment: the vendor quote or invoice
- For factoring: an open invoice list or 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
- A single month of $50K does not equal $50K a month. Underwriters average several months and look for consistency.
- Existing daily or weekly debits count against you. Even one position changes what a new funder will offer.
- Average daily balance and NSFs matter as much as revenue. A few overdrafts can cut an offer more than a small revenue dip.
- Ask for an amount you can repay comfortably. See the calculator below to test payment size.
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 $50K a month.
Open the calculator →Requirements
Revenue, time in business, balances and positions explained in plain English.
Revenue requirements →