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*Estimates only. Actual rates, terms, and amounts vary based on your complete business profile and are not guaranteed.
Estimate funding fit—not just a monthly payment
Most business loan calculators assume you already know the amount, rate, and term. This calculator starts one step earlier: it uses monthly revenue, estimated personal credit, and time in business to show which financing structures may fit your profile.
What the calculator estimates, and the thresholds it uses
A product appears in your results only when all three of your inputs clear its gate, and the amount shown is a formula on your revenue — not a marketplace quote. Those gates and formulas are published below in full so you can check the estimate rather than take it on faith. They are the working thresholds across Bay Street Lending's 75+ funding partners as of September 2026; each individual funder sets its own.
| Product | Minimum FICO | Minimum revenue | Minimum time in business | How the amount is sized | Ceiling |
|---|---|---|---|---|---|
| Revenue-based working capital | None in this estimate | $15,000/month | 6 months | ≈ 1× average monthly deposits | $2M |
| SBA 7(a) loan | 680 | $150,000/year | 2 years | ≈ 1× annual revenue | $5M |
| Business line of credit | 650 | $15,000/month | 1 year | ≈ 1.2× monthly revenue | $1M |
| Equipment financing | None in this estimate | $15,000/month | 1 year | ≈ 0.5× annual revenue | $5M |
| Invoice factoring | None | $25,000/month | 6 months | ≈ 2.5× monthly revenue | $10M |
Every result carries a floor of $25,000, which is Bay Street Lending's site-wide funding minimum — SBA is the one exception, starting at $50,000. Results are ranked by a confidence score that rises with FICO and with time in business, and only the top four are shown, which is why a strong file sometimes hides a product a weaker one displays.
What the calculator deliberately does not tell you
It does not price revenue-based working capital. That product is structured as a purchase of future receivables rather than as interest, so any APR-shaped number next to it would be a false comparison against the SBA, line-of-credit, and equipment rows. Amount, term, and speed are shown for it instead, and real pricing arrives with the written offers after a funder reviews the file.
It also cannot see the four things that most often change an underwriting outcome: deposit dilution (how much of the revenue is transfers rather than sales), negative-balance days, NSF count in the trailing 90 days, and existing funding positions. A business with strong headline revenue and five NSFs in a month will underwrite worse than the estimate; a clean account with steady daily deposits will often underwrite better.
Three worked examples
Each row can be reproduced in the tool above using the same three inputs. Products are listed in the order the calculator ranks them, which is by confidence, not by size.
| Inputs | What the calculator returns | What is missing, and why |
|---|---|---|
| $30K/month · 560 FICO · 1–3 years | Invoice factoring ≈ $75K · working capital ≈ $30K · equipment financing ≈ $180K | No SBA and no line of credit: 560 is under the 680 and 650 credit gates. Three products still stand, because they underwrite on deposits and receivables rather than on the score. |
| $80K/month · 660 FICO · 3+ years | Invoice factoring ≈ $200K · working capital ≈ $80K · equipment financing ≈ $480K · line of credit ≈ $96K | Still no SBA. 660 clears the line-of-credit gate at 650 but sits 20 points under the SBA floor — the single most common near-miss on this page. |
| $250K/month · 720 FICO · 3+ years | Working capital ≈ $250K · line of credit ≈ $300K · equipment financing ≈ $1.5M · invoice factoring ≈ $625K | This file does qualify for SBA 7(a) at roughly $3M, but SBA ranks fifth on confidence and only four cards are shown. If SBA is what you want, ask for it directly rather than reading its absence as a decline. |
If your credit is the binding constraint, business loans for bad credit walks through what each score band still reaches, down to 500. If the SBA gate is what you missed, the SBA loan requirements guide covers the full eligibility list, and current SBA loan rates shows what the program costs at September 2026 pricing.
Products included in the estimate
- Revenue-based working capital: $25K–$2M, typically 3–18 months, with funding in as little as 6 hours.
- SBA loans: long-term financing for established borrowers, generally 10–25 years and 60–90 days to fund.
- Business lines of credit: revolving access for businesses with at least one year of history and stronger credit.
- Equipment financing: 2–7 year financing secured by the equipment being purchased.
- Invoice factoring: advances against eligible B2B invoices, underwritten primarily on customer credit.
How the estimate is calculated
Revenue-based estimates use approximately one month of average deposits as a directional first-position benchmark. SBA, line-of-credit, equipment, and factoring estimates use product-specific revenue, credit, and operating-history thresholds. Industry, deposit dilution, negative days, NSFs, existing positions, collateral, and use of funds can materially change the result.
Payment calculators
Already have a target amount, APR, and term? Estimate the monthly payment and total interest with the SBA loan calculator, equipment loan calculator, or business line of credit calculator. For the eligibility rules behind each product, see the equipment financing eligibility requirements, the SBA loan requirements guide, and the working capital loans guide.
Why this calculator is different
Instead of returning one marketplace funding number, it shows the product structures that fit the inputs and keeps revenue-based pricing private until a lender reviews the complete file. One application can then be matched across 75+ funding partners.