Revenue-based financing
A revenue-linked commercial structure. Review remittances, reconciliation, total cost, and existing obligations before adding payment pressure.
Explore the productPowered by lendDEFY, Inc.
Business funding estimatorStart with the numbers.
Explore a funding planning range for your next business move. Adjust revenue, business age, and a self-reported score, then see exactly how the illustration is calculated.
Funding planning calculator
A revenue-linked commercial structure. Review remittances, reconciliation, total cost, and existing obligations before adding payment pressure.
per month
Use an average of completed months. Exclude transfers and borrowed funds; gross revenue is not profit. Enter an exact value or move the slider.
$0$1 million$2 million
Illustrative funding planning range
Illustration B · not a credit grade$63,750 to $93,500
$85,000 monthly revenue × 75% to 110%. Rounded to whole dollars, not to a larger marketing number.
PRODUCT
Revenue-based financing
MODEL CAP
$1,000,000 · not promised
ACTUAL TERMS & TIMING
Determined by lender review
Planning, not prequalification. This range does not account for cash flow, debt payments, fees, collateral, documentation, or a lender's current policies. Actual funding may be lower, higher, or unavailable.
Want to discuss a real funding path?
Separate secure intake. No hard inquiry by lendDEFY to start.
See all assumptions, ratios, and model limits
The starting assumptions come from Reveal Lending's public homepage calculator, reviewed November 3, 2026. They are not verified lender criteria or universal industry standards. We use exact completed months and a self-reported score instead of assigning a midpoint to a broad answer.
Illustration indices: scores below 600 / 600 to 649 / 650 to 699 / 700+ and age below 6 / 6 to 11 / 12 to 35 / 36+ months receive 1 / 2 / 3 / 4. The average selects A at 3.25+, B at 2.25+, C otherwise. This selects a calculation example, not a risk rating.
Revenue-based financing · monthly revenue
A: 100% to 150% · B: 75% to 110% · C: 50% to 80%
Reference assumptions only: 500+ score, 6+ months, $10,000+ monthly revenue. Model minimum $2,000; cap $1,000,000.
Business line of credit · annualized revenue
A: 15% to 25% · B: 10% to 18% · C: 6% to 12%
Reference assumptions only: 600+ score, 12+ months, $8,000+ monthly revenue. Model minimum $5,000; cap $750,000.
Business term loan · annualized revenue
A: 10% to 15% · B: 8% to 12% · C: 5% to 8%
Reference assumptions only: 650+ score, 24+ months, $15,000+ monthly revenue. Model minimum $25,000; cap $500,000.
Equipment financing · equipment cost
A: 90% to 100% · B: 75% to 95% · C: 60% to 85%
Reference assumptions only: 600+ score, 12+ months, no revenue threshold in this equipment model. Model minimum $10,000; cap $750,000.
Ranges are suppressed outside the model assumptions. A raw upper bound below the model minimum does not become a made-up minimum. Both endpoints stay within the cap; a capped range can collapse to one amount. A line limit is not a draw, and an equipment advance is not net cash.
Public reference calculator · Equipment-program context. The equipment page lists different entry criteria than its calculator, another reason not to treat this model as an underwriting rule. External links open separately; your inputs are not included.
Calculation version: 2026-11-03-v1.
Look beyond the amount
The right capital fits your cash flow.
Monthly revenue is a starting point, not a repayment budget. Payroll, inventory, taxes, existing loans, and daily or weekly advances determine how much room your business actually has.
For term loans and equipment, use the optional preview to understand how a chosen interest and term assumption changes monthly principal and interest. It is not a rate quote or a lease calculation.
Already carrying MCA payments? Build a debt scenarioFour different structures
Compare the purpose, not just the range.
Business line of credit
A potential reusable limit, not cash automatically received. Draw costs, utilization, renewal, fees, and repayment depend on the actual agreement.
Explore the productBusiness term loan
A lump-sum loan repaid over an agreed term. Cash flow, existing debt, rate, collateral, and amortization matter more than revenue alone.
Explore the productEquipment financing
An asset-cost illustration, not a revenue multiple. Actual advance, down payment, asset value, lease terms, and useful life require review.
Explore the productFrom planning to preparation
Give the review team a clearer picture.
For U.S. business-purpose financing conversations, including businesses in Carrollton, Atlanta, and other markets, state availability and lender policy still matter. This estimator does not infer approval from your location.
Explore local capital guides- 1
Use real operating figures
Compare the estimate with revenue history, existing obligations, and the specific use of funds.
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Choose a secure qualification path
Express Qualification collects essentials; Instant Qualification organizes a fuller signed business application.
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Upload documents inside your profile
After a signed application, use the private portal for completed-period bank statements and staff-requested records. Do not email banking credentials.
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Review actual options with people
Your team reviews documents and the lender's terms. Calculator use never authorizes a credit pull, application transfer, or funding action.
Funding estimator FAQ
Understand the estimate before making a decision.
Transparent answers about revenue multiples, equipment cost, credit assumptions, privacy, and the difference between a planning range and a lender offer.
FAQ answer summary
Plain-language answers
How much business funding can I estimate from monthly revenue?
This tool multiplies the revenue or equipment-cost basis by the displayed illustration percentages. For example, $85,000 in monthly revenue with a self-reported score of 670 and 24 months in business uses the middle revenue-based illustration: 0.75 to 1.10 times monthly revenue, producing $63,750 to $93,500 before any lender review. These figures are scenario arithmetic, not the amount a lender will approve.
Is this a prequalification, approval, or lender offer?
No. Revenue, a self-reported score, and business age cannot establish lending eligibility. This calculator neither selects a lender nor checks bank statements, debt service, liens, collateral, business risks, or provider policy. Request human review through a separate secure qualification path if you want to discuss actual possibilities.
Where do the funding-estimator ratios come from?
The starting ratios, product caps, and model assumptions were read from Reveal Lending's publicly delivered homepage calculator on November 3, 2026. They are not represented as lender-approved or universal industry standards. lendDEFY displays the assumptions, uses exact completed months and a self-reported score, enforces the caps, and does not fabricate a minimum result or a reduced approval range outside the model.
What does illustration A, B, or C mean?
It selects a preset scenario, not a creditworthiness grade. The calculator groups self-reported scores below 600, 600 to 649, 650 to 699, and 700 or more, and business age below 6, 6 to 11, 12 to 35, and 36 or more completed months. Each group gets an index from 1 to 4. Their average selects illustration A at 3.25 or more, B at 2.25 or more, and C otherwise. Only a lender can determine its actual requirements.
Why does equipment financing use equipment cost instead of revenue?
This reference model applies an advance percentage to the equipment-cost input. It does not appraise the asset or confirm what is financeable. Equipment age, condition, down payment, useful life, business cash flow, and the actual loan or lease agreement still need review.
What if the calculator cannot show a range?
That means your inputs are invalid, below the reference-model minimum, or outside its assumptions. It does not mean your application was denied or your business is ineligible for every program. The calculator does not increase a low result to create an artificial minimum or assign a pretend reduced approval. You can still request a human conversation.
Does checking my estimate pull credit or store my financial inputs?
No. The estimator runs in your browser with a self-reported score. It does not request a credit report, collect identity or banking credentials, save your calculator values, or transmit them to a lender. Anonymous page and tool-use events contain no calculator amounts or scores. A secure qualification form is separate and has its own disclosures.
Does the range account for existing MCA debt or loan payments?
No. Existing payments can materially reduce available cash flow and net new proceeds. Revenue is not profit, and a gross funding amount is not the cash left after fees or debt payoffs. Use the separate MCA debt planner to organize daily and weekly payment pressure and discuss a sustainable structure with the lendDEFY team.
Are the interest rate and repayment period in the payment preview actual terms?
No. They are visitor-controlled assumptions for a fixed-rate, fully amortizing monthly principal-and-interest illustration. The preview excludes fees, down payments, taxes, variable rates, balloon amounts, and early-payoff rules. The entered interest percentage is not an APR quote. A revolving line or revenue-based advance needs a different cost model.
How do I move from an estimate to a lender review?
Choose Express Qualification for a short business-purpose intake or Instant Qualification for a fuller secure application. Your team can request the financial records needed for review, including completed-period business bank statements through the private portal. No application or document is sent to a lender by using this calculator.
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Educational U.S.-dollar planning illustration only. Not a lender offer, eligibility determination, approval, credit decision, rate quote, or commitment. The model uses disclosed reference assumptions, not verified provider underwriting criteria. Actual financing may be lower, higher, or unavailable and depends on lender review, cash flow, obligations, collateral, documentation, consent, and location. No credit inquiry or lender submission occurs from this estimator. lendDEFY does not initiate a hard inquiry to start. Fees, timing, and final terms require separate review.