Business Loans for Companies Doing $1 Million+ in Revenue

When your business is already doing seven figures a year, you should be talking about bigger facilities and better terms — not scraping for a small loan. We size funding to your real annual volume, approve on your deposits, and can fund in as little as 24 hours.

Who this is for

This page is for established operators — companies clearing roughly $1 million or more a year in revenue, with strong, consistent monthly deposits. If you're doing $80K, $150K, $250K a month or better and you're tired of being treated like a startup, you're in the right place.

At your volume, the conversation changes. You're not asking whether you qualify for a few thousand dollars. You're deciding how large a facility makes sense, how fast you can deploy it, and whether the terms respect the business you've actually built. We underwrite the way a serious lender should: on the money moving through your accounts, not on a rigid credit box.

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

Facilities run from $10,000 up to $5 million. For a $1M+ revenue business, the meaningful range starts well above the minimum. The single biggest driver of your amount is your average monthly deposits — because that's what shows us the business can comfortably carry the funding.

As a rule of thumb, a healthy business can access something in the neighborhood of one to one-and-a-half times a strong monthly deposit total, and often more when revenue is consistent and growing.

Real example: A wholesale distributor doing about $1.2M a year — roughly $100,000 a month in deposits, steady across the last six months. They came in for inventory ahead of their busy season. Sized to their volume, they qualified for a $120,000 working capital facility, signed the same afternoon their statements landed, and had funds the next morning. Because their deposits were clean and consistent, they got a stronger structure than a business half their size would have seen — and a standing relationship to draw on again as they scale.

• $1M/yr (~$85K/mo deposits): typically $75K–$130K+
• $2M/yr (~$165K/mo deposits): typically $150K–$275K+
• $3M–$5M+/yr: larger structured facilities, up to $5M

These are illustrations, not promises — your exact number depends on your statements, time in business, and consistency. But the pattern holds: more volume, larger facility, better terms.

How it works — three steps

• 1. Check your number (soft pull). Quick application, no credit hit. We give you a real range based on your revenue, not a generic quote.
• 2. Send recent bank statements. Usually the last three to six months. This is where a seven-figure business shines — the deposits do the talking.
• 3. Review, sign, get funded. You see the exact amount and terms, sign, and funds hit your account. Statements in and signed before early afternoon ET on a weekday means same-day; Friday afternoon lands Monday.

What serious operators use it for

At your revenue level, capital is a tool for offense, not survival. The businesses we fund put it to work on things that pay for themselves:

• Buying inventory in volume ahead of peak season or a big contract
• Bridging the gap between fulfilling large orders and getting paid
• Opening a second location, adding a line, or expanding capacity
• Hiring and payroll to keep up with demand you already have
• Taking supplier discounts that beat the cost of the capital
• Consolidating scattered obligations into one clean structure

Who qualifies

• Roughly $1M+ in annual revenue, with consistent monthly deposits
• Time in business — established operators, not day-one startups
• FICO 500+ is fine; strong deposits carry more weight than credit
• No collateral required for working capital
• U.S.-based business with a business bank account

Straight answers

How big a loan can a $1 million revenue business actually get?

Commonly $75K–$130K+ for a business right around $1M/yr, and it climbs from there with volume — up to $5M total. Your monthly deposits set the ceiling, so a steady $85K–$100K a month opens more than the same annual figure earned unevenly.

Do you look at revenue or credit?

Both, but revenue leads. We approve on your bank deposits — strong, consistent monthly volume is the deciding factor. 500+ credit is welcome; it isn't the gate.

How fast can I actually be funded?

As little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day is realistic. Sign Friday afternoon and you're looking at Monday.

Will checking hurt my credit?

No. Seeing your number is a soft pull only.

Do I need collateral?

Not for working capital. Facilities are sized to your revenue, not secured against your assets.

Can I come back for more as the business grows?

Yes. As your deposits grow, so does what you can access — and returning operators with a clean track record see the strongest terms.

Ready when you are

You've built a real business doing real volume. Let's size the funding to match it. Check your number with a soft pull, send your statements, and see the exact facility your deposits support — often within a day.