Home | Industry-Specific Business funding
How Much Business Funding Could You Qualify For?
Adjust the sliders and get an instant estimate — no form, no email, no credit check. See which programs fit your profile and what your payments might look like.
Estimates are illustrative ranges based on typical lender thresholds. Actual approval amounts depend on bank statement review, NSF history, existing obligations, and individual lender criteria. Eagle Business Loans charges no upfront fees.
Get Actual Offers — Apply Free →Based on 360 business days. Working capital and MCA repayments are typically daily ACH withdrawals. Actual daily amount varies by lender.
Get Real Offers — Apply Free →From Estimate to Funded
What Happens After You Calculate
The calculator gives you an estimate. The application gets you actual offers. Here’s the path from estimate to funded account.
1
Use the Calculator
Adjust the sliders to match your business profile. See which programs fit and what your estimated range looks like — no contact info required.
Right now — this page
2
Submit Pre-Qualification
Ready to see real numbers? The full 4-step application takes about 3 minutes. Soft credit check only — no score impact at this stage.
~3 minutes
3
Eagle Reviews & Matches
Eagle Business Loans evaluates your profile and routes your application to the lenders in our network whose criteria match your situation.
Within 1 business day
4
Choose & Get Funded
Compare real offers with full transparency on rates, total repayment, and daily payments. Accept the best one. Funds deposit fast.
24 hours – 8 weeks
Program Match Guide
Which Program Fits Your Profile?
Use this table alongside the calculator to identify which programs your current profile is most likely to qualify for — and what the minimum thresholds are.
| Program | Min. Credit | Min. Monthly Rev. | Time in Business | Collateral | Funding Speed | Best For |
|---|---|---|---|---|---|---|
| Working Capital Loan | 500+ | $10,000+ | 6 months | None | 24–48 hrs | Payroll, inventory, ops |
| Merchant Cash Advance | 500+ | $10,000+ | 6 months | None | 24–48 hrs | Card-heavy revenue |
| Business Line of Credit | 580+ | $15,000+ | 12 months | Varies | 48–72 hrs | Revolving cash needs |
| Equipment Financing | 500+ | $8,000+ | 3–6 months | Equipment | 3–7 days | Vehicles, machinery |
| Invoice Factoring | No minimum | No minimum | Active invoices | Invoices | 24 hrs | B2B, subcontractors |
| Business Line of Credit (Secured) | 580+ | $12,000+ | 12 months | Assets / AR | 3–5 days | Higher limits, lower rate |
| Revenue-Based Financing | 520+ | $10,000+ | 6 months | None | 24–72 hrs | Variable revenue |
| SBA 7(a) Loan | 640+ | $20,000+ | 2 years | Often required | 3–8 weeks | Expansion, best rates |
| SBA 504 Loan | 640+ | Profitable biz | 2 years | Real estate/equip | 4–10 weeks | Real estate, large assets |
All figures represent approximate minimums across our lender network. Individual lenders may approve or decline based on additional factors. No approval is guaranteed. Full requirements: /business-loan-requirements
Funding Calculator — FAQs
How accurate is this estimate?
The calculator uses simplified models based on typical lender thresholds in our network. It provides a reasonable ballpark — but real approval amounts depend on factors the calculator can’t see: your specific bank statement health (average daily balance, NSF frequency), existing debt obligations, how consistent your deposits are, and which lenders are actively funding your profile at the time you apply. Use it as a planning tool, not a guarantee.
Does using this calculator affect my credit score?
No. The calculator requires no personal information of any kind — there’s nothing to submit, and no credit inquiry of any type. A credit inquiry only happens if and when you submit the full pre-qualification application at /apply-for-funding, and even that uses a soft inquiry only — which has no impact on your score.
Why does invoice factoring show “no minimum” for revenue and credit?
Invoice factoring is fundamentally different from loan-based programs. The primary qualifier is your client’s creditworthiness — not yours. If you have outstanding B2B invoices from creditworthy clients (a general contractor, a large shipper, a corporation), those invoices can typically be factored regardless of your own credit score or monthly revenue. The invoice itself is the collateral-equivalent.
What’s the difference between a factor rate and an interest rate?
A factor rate (e.g., 1.25) is a fixed multiplier applied to the funding amount — for every $1.00 borrowed, you repay $1.25, regardless of how quickly you repay. An interest rate accrues over time — repaying faster reduces total interest paid. The payment estimator above shows both: use it to understand total repayment cost before comparing any offers. Always ask for total repayment amount — not just the rate — when evaluating any short-term funding offer.
My estimate seems low — why might that be?
The calculator is conservative by design — it uses the lower end of typical lender thresholds to avoid overpromising. Businesses with strong bank statements (high average daily balance, zero NSF fees, consistent deposits) or longer operating histories often qualify for significantly more than the estimate shows. The actual pre-qualification process reviews these factors individually and typically produces higher offers for strong-performing businesses.
What does “no credit minimum” for invoice factoring mean in practice?
It means a business with a 480 credit score can still access invoice factoring as long as they have legitimate outstanding B2B invoices. Factors review the paying client’s creditworthiness — a large GC, a major shipper, or a Fortune 500 company paying your invoice is the asset that drives approval. If the client is creditworthy and the invoice is legitimate, the factoring company can advance against it. Your personal or business credit score is reviewed but is not a hard qualifier.
How do I go from this estimate to an actual offer?
Submit the pre-qualification at /apply-for-funding. It takes about 3 minutes. Eagle Business Loans reviews your profile, routes your application to the lenders in our network whose criteria match your situation, and presents you with real offers — including full transparency on funding amount, factor rate, total repayment, and daily payment — before asking you to sign anything.
Can I get funding if I’ve already been declined by my bank?
Yes. Bank declines are actually the most common situation Eagle Business Loans handles. Banks have narrow underwriting criteria built for their specific risk profile — businesses with seasonal revenue, limited credit history, or operating in industries banks don’t understand well are systematically declined even when they’re financially healthy. The alternative lenders in our network are specifically built for those profiles. A bank decline does not predict the outcome through our network.
Ready for Real Numbers?
The calculator shows estimates. The application gets you actual offers — with real amounts, real rates, and real terms from verified lenders.
Soft credit inquiry only · No upfront fees · No obligation until you accept an offer
Eagle Business Loans
Eagle Business Loans is a licensed Independent Sales Organization (ISO) connecting small businesses with a verified nationwide network of lenders. We do not lend directly. Compensation is received from lending partners upon funding.
