How much can your business borrow?
Not what the biggest advertised loan is — what your business could realistically be approved for, and which structure sets that ceiling. Those are different questions, and almost every page that answers the first one pretends it has answered the second.
These are routinely treated as one number. They are not, and the gap between the first and the last is where most disappointment in business lending lives.
A range is not a capacity, and a request is not an approval
“Loans up to $5 million” is a true statement about a market and a nearly useless statement about your business. It describes the widest amount some lender somewhere has written for some borrower under that structure. It says nothing about you.
Sizing gets much clearer once you separate four things that get collapsed into one:
The outer boundary of a financing structure — the most and least it is written for across the market. A ceiling, not a promise.
What your business plausibly supports: revenue, how long you have traded, what is already committed, what can be secured.
The amount you actually ask for. Asking for more than you can service is the most common self-inflicted decline.
What a lender offers after underwriting. It may be less than you asked for, occasionally more, sometimes a different structure.
They are not disagreeing about your business. They are applying different appetites: how much of your daily or weekly cash flow they will let a payment consume, how they treat an existing advance already taking a slice, whether they will lend against an asset at all, and how much recent history they need before they will size anything. The same set of bank statements can honestly produce a $40,000 offer from one and a $120,000 offer from another.
Which structures fit, and what they are written for
This is a routing tool, not an approval engine. It takes what you tell it, checks it against the qualification signals Fundur publishes, and shows you which financing structures are worth looking at and what amounts each one is actually written for. It does not predict an approval amount, because no honest tool can — lenders do not publish the weightings they apply, and a tool that multiplied your revenue by a number would be inventing one.
Structures worth looking at
This is an estimate of fit, not an offer. It compares what you entered against published qualification signals and published product ranges. It does not model any lender’s underwriting, does not predict an approved amount, and is not a credit decision. Availability, structure and final amounts are set by the participating financing provider.
Once you have a rough figure, the business loan calculator is the next step: it takes an amount and tells you what the payment, the total repaid and the amortisation look like. This page is about how much; that one is about what it costs.
What each structure is actually written for
Three of these are Fundur’s own published figures. The rest are the lender network’s published ranges, labelled so you can tell them apart — and several structures have no fixed ceiling at all, because an asset sets the size rather than a policy. Those are marked, not filled in with a plausible-looking number.
| Structure | Published amount | Source | What sets the size |
|---|---|---|---|
| Working Capital Loan | Fundur arranges Working Capital Loans up to $500,000 | Fundur | No minimum is published by Fundur. Lendio publishes no separate working-capital tile; its nearest equivalents are the term and short-term tiles. |
| Business Term Loan | Fundur arranges term loans up to $500,000. The wider lender network publishes term amounts from about $5,000. | Fundur | Tier 1 wins on the maximum even though it is the smaller number - the rule is source hierarchy, not size. The network FLOOR is published separately as context because Fundur publishes none. |
| Business Line of Credit | Fundur arranges lines of credit up to $750,000. Network lines start from about $1,000. | Fundur | The Tier-2/Tier-3 conflict is moot for the maximum because Tier 1 governs - and Tier 2 independently matches it. That convergence is worth recording. |
| Equipment Financing | Network equipment financing runs from about $5,000 to $5 million | Network | Sized to the equipment. Fundur has no Tier-1 figure, both proxy tiers agree, so the network range is publishable with a network label. |
| Business Acquisition Loan | Network acquisition financing runs from about $5,000 to $5 million | Network | Sized to the transaction. SBA 7(a) is the common route for larger acquisitions. |
| Revenue-Based Financing | Network revenue-based financing starts from about $5,000; published ceilings vary across the network | Network, hedged | The agreed floor is published; the ceiling is described, not stated, because the two network sources disagree by a factor of two. We do not take the larger number. |
| Short-Term Loan | No single range is publishable — see the note | Not a fixed amount | The two network sources are irreconcilable on both ends. Short-term amounts are sized to revenue and to how fast the money is repaid; no single range is defensible, so none is published. |
| Invoice Factoring | Based on the invoices you factor - commonly 80%-90% of face value advanced | Not a fixed amount | A fixed maximum would be a fiction. Capacity is the eligible invoice book multiplied by an advance rate. Fundur already publishes that advance rate, so the honest answer is a mechanic, not a ceiling. |
| Accounts Receivable Financing | Based on eligible receivables - the borrowing base, not a fixed ceiling | Not a fixed amount | Both network sources, read together, describe a borrowing base rather than a limit. Publishing "up to $10 million" would be true of the network and useless - and misleading - to an applicant. |
| Purchase Order Financing | Based on the qualifying purchase order and the supplier cost behind it | Not a fixed amount | Transaction-driven by definition. The order and the supplier invoice set the size. |
| Inventory Financing | Based on the inventory being financed and what it is worth | Not a fixed amount | Asset-driven. Neither Fundur nor the proxy publishes a range. |
| Commercial Fleet Financing | Sized to the vehicles financed - see equipment financing for the network range | Inherits | Equipment financing applied to titled vehicles. Inherits the equipment range rather than having its own. |
| Commercial Truck Financing | Sized to the unit financed - see equipment financing for the network range | Inherits | Same inheritance as fleet, stated in Fundur’s own words on the live page. |
SBA programmes are set by statute, not by a lender
SBA maxima come from the programme itself, so they belong in their own row rather than mixed in with lender ranges. Fundur routes 7(a) and Express; the other two are here as context, because they are the ones people ask about.
| Programme | Programme maximum | Through Fundur |
|---|---|---|
| SBA 7(a) | $5 million | Fundur routes SBA 7(a) |
| SBA Express | $500,000 | Fundur routes SBA Express |
| SBA 504 | $5.5 million | Programme context only - 504 funds owner-occupied real estate, which Fundur does not place |
| SBA Microloan | $50,000 | Programme context only - made through nonprofit intermediary lenders, not brokered |
Where these figures come from. Fundur’s own published product figures are used wherever a Fundur product page states one plainly — those are the three marked “Fundur”. Where Fundur publishes no figure, the lender network’s current published ranges are used as a proxy and labelled “Network”. Network figures were read on 7 September 2026. Where two network sources disagreed materially, no number is published rather than the larger of the two. Ranges describe what a structure can be written for across a market of providers; they are not an offer, and no single provider supports every point in a range.
Some of these are not products, and do not have their own amount
Several things that get talked about as separate loan products are really descriptions of how financing is arranged — how fast, on what paperwork, for what purpose, against what security. They do not carry an independent amount range, because the underlying structure sets the size. Looking for “the maximum same-day loan” is looking for a number that does not exist.
| Described as | Really a | Why |
|---|---|---|
| Same-day funding | TIMING | The page is about speed and the four stages between "apply" and money landing - not about a distinct product. |
| No-doc business loans | DOCUMENTATION | Live copy: "‘No doc’ almost never means no documents. It means the tax returns, financial statements and business plan are off the table, and one thing takes their place: your business bank statements." |
| Business bridge loan | USE AND TIMING | Live copy: "Bridge financing is not a product with its own rate card… ‘bridge’ describes a use and a timing, not a loan type." |
| Unsecured business loans | SECURITY ATTRIBUTE | Live copy: "‘Unsecured’ answers one question. It doesn’t answer the others." |
| Payroll financing | PURPOSE | Live copy treats a payroll request as a working-capital request with a known, recurring deadline. |
| Refinancing / debt consolidation | PURPOSE | Both pages describe a NEW loan replacing existing balances; the new loan is a term or working-capital structure. |
What raises your capacity, and what quietly lowers it
No lender publishes the weighting it applies, so nothing here is a formula. But these are the inputs that appear in nearly every underwriting conversation, and they all move the answer in a direction you can predict.
Raises capacity
- Higher revenue, and revenue that arrives consistently rather than in spikes
- Longer trading history — the difference between one year and three is substantial
- Few or no existing advances already taking a daily or weekly slice
- A stronger personal credit profile, particularly above the high 600s
- An asset the financing can be secured against: equipment, a vehicle, receivables
- Clean bank statements: few negative days, few returned items, a steady balance
Lowers it
- Existing positions already being repaid daily or weekly
- Revenue that swings hard by season, without the history to show the pattern repeats
- Frequent negative days or non-sufficient-funds activity in recent statements
- Heavy customer concentration, where receivables are the security
- A short trading history, whatever the revenue
- A request that would consume an implausible share of what actually comes in
Existing obligations often matter more than revenue. A business turning over $80,000 a month with two advances already taking a daily payment can be offered less than a business turning over $50,000 a month with nothing outstanding — because what a lender is sizing is not the revenue, but the part of it that is still free. If you are carrying positions, consolidating them can do more for your capacity than another application will.
Five requests, and what actually decides each one
These are illustrations of how sizing works, not quotes and not predicted approvals. No figure below is an offer.
$50,000 for a cash-flow gap
A business with steady deposits and two years of trading. Sizing here is about revenue consistency and what is already committed — a Working Capital Loan or a line of credit, and the choice between them is about whether the need recurs.
$180,000 for equipment
The equipment sets the size, not the revenue. Equipment financing can support an amount that a revenue-based structure would not, because the asset secures it — which is why the quote for the machine matters more than the bank statements.
“As much as my invoices allow”
There is no fixed answer, and that is the correct answer. Capacity is the eligible receivable book after ineligible and over-concentrated balances come out. See receivables financing or factoring.
Enough to pay a supplier for one order
Sized to the transaction, not to the business. Purchase order financing is assessed on the order, the customer behind it and the supplier cost — a business can access far more than its revenue alone would support.
$400,000 to buy a business
Acquisition sizing turns on the target’s cash flow as much as the buyer’s, plus an equity injection. See acquisition financing; at this size SBA 7(a) is often the route, and the timeline is the trade-off.
A $100,000 request is not a $100,000 approval
A lender may approve less, occasionally more, sometimes a different structure, and sometimes decline. The request is an input to underwriting, not a result of it.
What to do when the approved amount is smaller than you need
This happens often, and the instinct — apply somewhere else immediately — is usually the worst of the available options, because a run of applications in a short window is itself a signal. There are better moves, roughly in order of how quickly they work.
Ask what capped it
Time in business, existing obligations, statement quality and concentration produce very different remedies. It is a fair question and the answer is usually specific.
Check the structure fits the need
A revenue-sized product will cap where an asset-backed one may not. Equipment, receivables and a confirmed order all support amounts that a general working-capital request would not.
Deal with what is already committed
If existing daily or weekly positions are consuming the cash flow, consolidation or refinancing frees capacity that a new application cannot.
Take it in stages
A smaller facility repaid cleanly is often the fastest route to a larger one. Renewal capacity after a clean history tends to beat a larger first request.
Stacking a second advance on top of a first to make up the shortfall is the single most reliable way to reduce your capacity for everything that comes after it. It is also the pattern lenders look for hardest in bank statements. If the amount is short, the answer is almost never a second position.
Borrowing capacity FAQs
How much can my business actually borrow?
There is no single number, and any page that gives you one without knowing your revenue is guessing. What decides it is a chain: the financing structure sets an outer boundary, your business sets a capacity inside that boundary, you request an amount inside that capacity, and a lender approves an amount that may be less than you asked for. The four are different things, and this page separates them.
The most useful single input is your revenue and how consistently it arrives. Most revenue-based structures are sized on the deposits a lender can see in your bank statements, not on a credit score.
Does Fundur publish a maximum loan amount?
For three products, yes, and they are stated on the product pages themselves: Working Capital Loans up to $500,000, term loans up to $500,000, and lines of credit up to $750,000. For the rest, Fundur does not publish a fixed maximum, and the table above says so rather than inventing one. Some structures — factoring, receivables financing, purchase order financing — genuinely have no fixed ceiling, because the asset behind them sets the size.
Why does the amount I can get depend on the product?
Because each structure is secured by, or sized against, something different. A term loan is sized on your trading history. Equipment financing is sized on the equipment. Factoring is sized on the invoices you raise and the customers who owe them. Purchase order financing is sized on one confirmed order. Two of those can be far larger than your monthly revenue would support on its own, and two are capped by an asset rather than by you.
What raises my borrowing capacity?
Longer time in business, higher and more consistent revenue, fewer existing obligations already taking a slice of daily or weekly cash, a stronger personal credit profile, an asset the financing can be secured against, and clean bank statements without frequent negative days. None of these is a formula, and no lender publishes the weighting it applies — but every one of them moves the answer in the same direction.
Can I be approved for less than I ask for?
Yes, and it is common. A request is not an entitlement: a lender may approve less, occasionally more, sometimes a different structure entirely, and sometimes decline. Being approved for less than you asked for is usually a statement about how much of your existing cash flow is already committed, not about whether the business is sound.
Is this a loan calculator?
No, and the distinction matters. This page is about how much — sizing and product fit. The business loan calculator is about what it costs — the payment, the total repaid and the amortisation once you already know the amount. Work out roughly what size you are looking at here, then take that figure to the calculator.
Where do the amounts on this page come from?
Three of them are Fundur's own published product figures, taken from the product pages linked in the table. The rest are the lender network's published ranges, and they are labelled as such so you can see which is which. Where two network sources disagreed materially, no number is published at all rather than the larger of the two — short-term lending is the clearest case, where published ceilings differ tenfold. The method note under the table sets this out in full.
Does checking affect my credit score?
No. Seeing your options through Fundur is a soft inquiry and does not affect your credit score. Fundur is a financing marketplace, not a lender, and nothing on this page is an offer of credit or a commitment to fund.
The only way to find your number is to ask
One short application, and you can see what participating providers in Fundur’s network will actually size for your business — rather than what a range on a page suggests.