Business Funding for Companies Doing $100K+ a Month

Six-figure monthly deposits are the strongest thing you can bring to the table. The bigger and steadier your revenue, the larger the facility and the better the terms — approved on your bank deposits, funded in as little as 24 hours.

Who this is for

This page is for operators moving real volume — businesses depositing $100,000 or more into their business account every month. If you are past the survival stage and running a company that consistently clears six figures monthly, you are not in the same conversation as a brand-new shop hunting for a few thousand dollars. You are a serious borrower, and your numbers prove it.

At this level, the decision isn't whether you can get funded. It's how much you can pull and on what terms. Strong, consistent monthly deposits are the single biggest lever you have. The more your bank statements show, the larger the facility we can structure and the sharper the pricing gets.

How much you can get — and how it scales with your deposits

Quick Biz Capital funds from $10,000 up to $5,000,000. Where you land in that range is driven mostly by one thing: your monthly deposit volume. Approval is built on revenue strength, not collateral, and not a credit score. FICO 500+ is fine — your deposits do the heavy lifting.

Here is how it tends to work for a business doing six figures a month:

• Around $100,000/month in deposits — you're typically looking at facilities in the low-to-mid six figures, often $100,000 to $250,000+ depending on consistency and how long you've been in business.
• $150,000–$300,000/month — larger facilities open up, and you start seeing better terms because the risk profile is stronger.
• Deep, steady six-figure months with a clean deposit history — this is where the best pricing and the largest amounts live. Consistency matters as much as the top-line number.

Real example: A distribution business depositing an average of $120,000 a month across its last three statements comes in for working capital. Because the deposits are steady and the account is healthy, they qualify for roughly $180,000, funded the same day their signed agreement and statements are in. Six-figure revenue is what made that size and speed possible — a business doing $30K a month simply cannot access the same facility.

How it works — three steps

• 1. Apply and share your statements. A short application plus your last few months of business bank statements. A soft pull checks your credit — it does not ding your score.
• 2. Get an offer built on your deposits. We size the facility to your monthly volume and consistency, then walk you through the amount, the terms, and the payback structure. No surprises.
• 3. Sign and get funded. Get your statements in and your agreement signed before early-afternoon ET on a weekday and you can be funded the same day. Friday afternoon signings fund Monday.

What serious operators use it for

At six figures a month, funding is usually about pressing an advantage, not plugging a hole:

• Buying inventory in bulk to lock in supplier discounts and protect margin
• Taking on a large contract or purchase order that needs cash up front
• Hiring and payroll to staff up ahead of a growth push
• Opening a second location or expanding capacity
• Equipment, buildout, or marketing spend that pays back faster than the cost of capital
• Bridging a seasonal ramp without slowing operations

Who qualifies

• Established business with real, consistent monthly deposits (this page is built around $100,000+/month)
• Time in business — the longer, the stronger your offer
• FICO 500+ (soft pull to check; strong revenue outweighs a lower score)
• A business bank account with a clean, steady deposit history
• Minimum facility $10,000 — though at your volume you'll likely qualify for far more

The bottom line

If your business is depositing $100,000 or more every month, you've earned access to real capital on real terms. Your deposits are your leverage — the stronger they are, the more you can pull and the better the deal. Send your statements, get an honest offer sized to your numbers, and move fast.

Straight answers

Do I really qualify at $100K a month in deposits?

Yes — six-figure monthly deposits are exactly the kind of revenue that unlocks larger facilities and better terms. Approval is based on your deposits and consistency, not collateral, and a lower credit score won't take you out of the running.

How much can a business doing $100K a month actually get?

It varies with consistency and time in business, but businesses at this level commonly qualify for facilities in the low-to-mid six figures, and higher as monthly volume climbs. We fund up to $5,000,000 when the numbers support it.

How fast can I be funded?

As little as 24 hours. If your statements are in and your agreement is signed before early-afternoon ET on a weekday, same-day funding is realistic. Sign Friday afternoon and it funds Monday.

Will checking hurt my credit?

No. We use a soft pull to review your file, which does not affect your credit score.

Do I need collateral?

Not for standard working capital. Your monthly deposits and cash flow are what qualify you.

What do you need from me to make an offer?

A short application and your last few months of business bank statements. Those deposits tell us the amount and terms we can put in front of you.