Revenue bands
Monthly deposits decide which products are realistic and how large a request makes sense. Here is how four common revenue bands read against the published tiers, without promised amounts.
✓ Checking what you qualify for does not affect your credit score.
Updated October 13, 2026 · Merchant Fund Express
Revenue here means verifiable deposits from sales in your business bank account, averaged over recent months. Transfers between your own accounts, loan proceeds and owner injections are backed out, so a month that looks like $30,000 may read as $24,000. Work out your true number before reading the bands; bank statements for a business loan shows how.
Full sheet: funding requirements.
| Monthly deposits | Where it sits on the tiers | Request size | Usual fit |
|---|---|---|---|
| About $10,000/month | Below Tier 1. Reaches Tier 2 once verifiable revenue passes $60,000 (about 6 months at this level) | Small; the balance and existing costs leave little room for a payment | Often the right call is to wait, or keep the request well inside one month of deposits |
| About $20,000/month | Below Tier 1. Clears Tier 2 revenue in about 3 months | Modest, tied closely to steady deposits | Revenue-based funding if the purpose returns cash quickly |
| About $50,000/month | Clears Tier 1 revenue; product depends on time in business and credit | Meaningful; payment capacity is the real limit | Line of credit or term loan if 3+ years and 650+; otherwise revenue-based |
| About $100,000/month | Clears both | Larger requests become realistic; above $250,000 full financials are usually requested | Compare a line, term loan and revenue-based offer side by side |
A useful first test: what payment can your account carry on its weakest week, after rent, payroll and existing debits? Take a business depositing $50,000 a month with costs of $43,000. About $7,000 a month is left. A request whose weekly payment is $900 uses about half of that cushion. One whose payment is $2,200 uses all of it, and the first slow week turns into a negative balance.
| Line | Amount |
|---|---|
| Monthly deposits | $50,000 |
| Monthly costs before new payment | $43,000 |
| Cushion | $7,000 |
| Payment at $900/week (about $3,900/month) | Leaves about $3,100 |
| Payment at $2,200/week (about $9,500/month) | Short about $2,500 |
Amount offered depends mainly on deposits and existing obligations, so two businesses in the same band can see very different numbers. The how much can I borrow page covers the factors.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Steady deposits at a lower level often read better than higher but lumpy revenue: twenty deposits of $1,000 say more than one $20,000 check. On the other hand, if your balance touches zero most weeks, a payment will make that worse whatever the band. Read funding with low monthly revenue for options at the bottom of the range.
Find your true average monthly deposits, then run the qualification check; it does not affect your credit. If the band fits, apply with three months of statements.
On our published sheet, Tier 1 reads $25,000 a month average and Tier 2 reads $60,000 in verifiable revenue. Lower bands can still fit Tier 2 once enough revenue has accumulated.
Possibly on the revenue-based tier once $60,000 of verifiable revenue is on file, but the request should stay small and waiting is sometimes better.
It depends mainly on your deposits, balances and existing payments, not on revenue alone. Size the request to a payment your weakest week can carry.
No. Transfers between your own accounts, loan proceeds and owner injections are backed out.
Not on its own. Revenue is one line. Time in business, credit, balances, negative days and existing positions are read too.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
