How much can I borrow for a business loan?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Most business owners can borrow between $5,000 and $5,000,000 depending on monthly revenue, time in business, and credit profile. As a rule of thumb, you can borrow 1-2x your monthly revenue for working capital, up to $2M for equipment financing, and up to $5M for invoice factoring against unpaid B2B invoices.

Key Details

  • Working Capital: $5K-$500K (1-2x monthly revenue)
  • Line of Credit: $10K-$250K (revolving)
  • MCA: $5K-$1M (based on credit card sales)
  • Equipment Financing: $10K-$2M (equipment is collateral)
  • Invoice Factoring: $10K-$5M (against AR)
  • Revenue Based Financing: $25K-$2M (based on monthly revenue)
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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