How does this estimator work?

It runs entirely in your browser. Enter your annual gross revenue and it returns a conservative funding range based on 10–15% of that revenue — a common starting benchmark lenders use before underwriting. No data is submitted and no email is required.

Why is the estimate a range, not a single number?

Because 70+ lenders evaluate the same business differently. The range reflects the spectrum of what a strong file typically supports. Many businesses qualify for more once lenders see receivables, assets, and time in business behind the revenue.

Can I qualify for more than the estimated range?

Often, yes. The 10–15% figure is intentionally conservative. Strong receivables, owned equipment or real estate, healthy margins, and longer time in business all push the number higher. The only way to see your real ceiling is to pre-qualify so lenders can review your full file.

What does annual gross revenue mean here?

It's your total top-line business revenue over the trailing twelve months, before expenses. Use your most recent full-year figure or annualize your recent months if your revenue is growing.

What happens after I pre-qualify?

A funding specialist reviews your file, matches you with the best-fit products from 70+ lenders, and presents your options — rates, terms, fees, and total cost. You decide whether to move forward. The initial pre-qualification uses a soft credit pull that does not affect your score.

Rising bar chart with an upward orange trend line representing business funding growth

Qualification Estimator

Enter your annual gross revenue to see a conservative estimate of the funding range your business may qualify for. No email required.

Free to UseNo cost everZero Signup RequiredStart immediatelyInstant ResultsReal-time calculations70+ LendersBehind the numbers

Enter your annual gross revenue to see a conservative estimate of the funding range your business may qualify for — no email required.

Annual Gross Revenue

$250K$20M+

Your Estimated Funding Range

$200,000 – $300,000

A conservative range based on 10–15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.

See What You Qualify For →

This calculator is for informational purposes only and does not constitute a loan offer. Actual rates, terms, and approval depend on your business profile and lending partner. We recommend applying so a funding specialist can provide expert guidance tailored to your situation.

“Revenue is the starting point — 10 to 15% of it is a conservative floor, not a ceiling. Strong receivables and assets push it higher. Pre-qualify and lenders return real term sheets on your actual file.”

— Bobby Friel, Basecamp Funding · Founder · 20+ years in banking and finance

What Matters Most

What Lenders Actually Look At

Revenue is the number one factor in commercial funding — not your credit score. Most lenders in this market underwrite on cash flow first: consistent, healthy annual revenue tells them more about your ability to carry financing than a FICO score ever could. The range above is built on that reality — a conservative 10–15% of annual revenue — but it's a starting point, not a ceiling. Operators with strong receivables, equipment, or real estate behind them routinely qualify for more.

What sits behind the revenue is what moves the number up. Receivables you can borrow against, equipment that serves as its own collateral, owner-occupied real estate, and a clean banking history all strengthen a file beyond what revenue alone suggests. This is why two businesses with identical revenue can qualify for very different amounts — the structure and assets behind the numbers matter as much as the numbers themselves.

Credit matters less than most operators think, but it isn't irrelevant. Through Basecamp's lender network, approval is revenue-focused — a lower score doesn't close the door the way it would at a bank, though stronger credit can earn better pricing. The market keeps moving toward cash-flow-based underwriting, which means your revenue and the assets behind it carry more weight every year.

The estimate above is deliberately conservative. It's a fast way to see roughly where you stand — but lenders return real term sheets once they see your full file, and those numbers are frequently higher than a revenue-based rule of thumb suggests. The fastest way to know your real number is to let the lenders compete for it.

FAQ

Frequently Asked Questions

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Free Guide

The Pre-Application Checklist

Everything lenders look at before you apply — and the documents to have ready to strengthen your file.

Read the Guide →

See What You Qualify For

Pre-qualify to see real funding offers from 70+ lending partners. Soft-pull pre-qual. Funding in as little as 48 hours when your file is ready.

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