Working Capital Eligibility Estimator
Estimate how much working capital your business might qualify for based on time in business, credit, and revenue.
Business credit card approvals and limits are based largely on your personal credit strength — which means a strong credit profile can open the door to higher limits and better terms.
How to use this estimator
This estimator gives you a quick estimate of how much working capital your business might qualify for, based on three simple factors lenders commonly weigh: how long you've been in business, your personal credit, and your monthly revenue. It's a starting point for planning, not a credit decision. Here's what each input does:
Time in Business. How long your business has been operating. Lenders generally view a longer operating history as lower risk, since there's more track record to evaluate.
Credit Score. Your personal credit tier. Even for business financing, personal credit is frequently part of how a lender assesses risk.
Average Monthly Gross Revenue. Your typical monthly revenue before expenses. This is the figure lenders use to size a working capital offer — your estimated range is calculated as a percentage of this number.
Once you've made your selections, the estimator returns an estimated working capital range — a low and high figure reflecting what businesses with a similar profile might typically qualify for.
How this estimate is calculated
Your estimated range is based on a simplified formula that combines your monthly revenue with your time-in-business and credit tiers. Each tier shifts the range up or down: more time in business and stronger credit generally produce a higher estimated range, while less time in business and lower credit tiers produce a more conservative one.
This is intentionally a simplified model, not full underwriting. Real approval amounts depend on a much fuller picture — bank statements, existing debt, industry, and other factors a lender reviews directly. This estimator exists to give you a realistic starting range before you go further, not to replace that process.
The estimate assumes you have no existing working capital or other business financing positions. If you currently carry an outstanding balance, it may affect your actual approval amount — lenders generally account for existing payment obligations when sizing a new offer.
Understanding your results
Estimated Working Capital Range. A low and high dollar figure representing what businesses with a similar profile might typically qualify for, based on your inputs.
Average Monthly Revenue. The revenue figure you entered — the base your range is calculated from.
Time in Business. The tier you selected, shown for reference alongside your range.
Credit Score Tier. The credit tier you selected, shown for reference alongside your range
What affects your range
Your revenue. Since your range is calculated as a percentage of monthly revenue, this is the single largest factor — a higher revenue figure produces a proportionally higher range at any given credit and time-in-business tier.
Your time in business. Longer operating history tends to widen your estimated range. A business with two or more years of operating history is generally viewed as more established than one still in its first year.
Your credit tier. Stronger personal credit tends to widen your estimated range as well. This estimator uses broad tiers rather than a precise score, since the exact cutoffs vary by lender.
An honest note on this estimate. This range is a planning tool, not a guarantee or a pre-approval. Your actual approval amount depends on a complete review of your business — and if you currently have existing working capital or financing in place, that will factor into what you're offered. The most accurate way to know your real number is to see your actual options.
Frequently Asked Questions
Common questions about how the estimator works and what the numbers mean.
You select your time in business and credit tier, and enter your average monthly gross revenue. The estimator combines those three factors to return an estimated working capital range — a low and high figure reflecting what businesses with a similar profile might typically qualify for. It's a quick planning estimate, not a credit decision.
No. This is a planning estimate, not a guarantee or a pre-approval. Your actual approval amount depends on a complete review of your business — including bank statements, existing debt, and industry — that a lender conducts directly. The estimate is meant to give you a realistic starting range before you go further.
Three things. Your monthly revenue is the largest factor, since the range is calculated as a percentage of it. Longer time in business and a stronger credit tier each tend to widen the range, while less time in business and a lower credit tier produce a more conservative one.
Existing working capital or business financing can affect how a lender sizes a new offer, so to keep the estimate simple and consistent, it assumes you have none in place. In practice, the effect varies — an existing balance might lower the offer amount, or a new offer might be structured to pay off and replace what you already have. If you currently carry a balance, your actual options are best determined by a lender reviewing your full situation.
The estimate uses a simplified formula that starts from your monthly revenue and adjusts up or down based on your time-in-business and credit tiers. It's intentionally a simplified model — real underwriting reviews a much fuller picture, including bank statements, existing debt, and industry. The goal is a realistic starting range, not a replacement for a lender's review.
Working capital is short-term financing a business uses to cover everyday operating needs — payroll, inventory, bridging a gap while waiting on receivables, or funding growth. It's commonly priced with a factor rate and sized in relation to your monthly revenue. You can learn more on our Working Capital page.
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