Enter your business details below to see your estimated approval range and recommended loan products — no credit pull, no email required.
Business Profile
Funding Needs
Your Estimated Qualification Profile
Estimated Approval Range
$50,000 – $75,000
Confidence Level
Medium
Looking good — your business profile qualifies you for several funding options. A specialist can help you find the best fit.
Your Biggest Strength
Strong cash flow — $50,000/month in deposits opens the door to a wide range of competitive products and rates.
What Strengthens Your File
A funding specialist can explore options to reach $100,000 — including combining products or identifying lenders with higher ceilings for your industry.
Recommended Products for Your Profile
Working Capital
Fast funding — often same day or next day with minimal documentation
Equipment Financing
Equipment serves as collateral — lower rates and no additional collateral needed
Invoice Factoring
Convert outstanding construction invoices into immediate cash
Business Line of Credit
Draw only what you need, when you need it — pay interest only on what you use
These estimates are based on typical approval criteria from our network of 70+ lenders. Your actual approval amount, rate, and terms may differ. The only way to see your real options is to pre-qualify — it takes 60 seconds and uses a soft credit pull with no impact on your score.
Like what you see? Pre-qualify for real.
60 seconds. Soft credit pull only. No obligation.
See What You Qualify For →What Matters Most
What Lenders Actually Look At
Monthly bank deposits are the number one factor in business loan qualification — not your credit score. Most alternative lenders approve based on cash flow. $10,000/month minimum gets you in the door. $50,000+/month opens up nearly every product. $100,000+ puts you in the top tier with the best rates and highest approval amounts. This is why we ask for deposits first — it tells lenders more about your business health than your FICO score ever could.
Time in business sets your product menu. Under 6 months: working capital and merchant cash advance only. Six to twelve months: add lines of credit and revenue-based financing. One to two years: add equipment financing and term loans. Two or more years: SBA loans become available — the lowest rates and longest terms, but the strictest qualification requirements. Time in business is the one factor you cannot change — it just takes patience.
Credit score matters less than most business owners think — but it's not irrelevant. Through Basecamp Funding's lender network, there is no minimum credit score requirement. But a 700+ score unlocks SBA loans at prime plus 2-3%, while a 550 score limits you to working capital products at a higher cost. The good news: business lending is steadily moving toward cash-flow-based underwriting. Your deposits and revenue trajectory matter more every year.
Industry and funding speed shape which products fit your situation. A trucking company with outstanding invoices should look at invoice factoring. A restaurant with daily card sales fits revenue-based financing. A contractor who needs an excavator should use equipment financing — the equipment itself is the collateral. And if you need money this week versus next month, that alone changes which products make sense. The estimator above factors all of this in to give you tailored recommendations.
Free Resource
Pre-Application Checklist
Everything lenders look at and the documents to have ready before you submit your first application.
FAQ
Frequently Asked Questions
Explore
Explore Loan Products
More Tools
Try Another Calculator
See What You Qualify For
The estimator gives a range. Pre-qualify to see your actual options from 70+ lenders. No credit impact.
See What You Qualify For →Business Loan Pre-Qualification Estimator — See What You Could Get
Use the Basecamp Funding qualification estimator to see your estimated business loan approval range based on monthly revenue, time in business, industry, and credit profile. Get recommended loan products matched to your specific situation. Free — no credit pull, no email, no signup required.