How Much Working Capital Can My Business Get?

It's the first question almost every business owner asks, and the honest short answer is: it depends mostly on your revenue. For a working-capital advance, the amount a business can access is usually tied to its monthly sales rather than to a collateral value or a rigid credit-score cutoff. As a common industry rule of thumb for revenue-based advances, businesses often see offers somewhere in the range of roughly 50% to 150% of one month's revenue — though the exact amount is always determined by underwriting, not a fixed formula. This guide explains where that number comes from, what moves it up or down, and how to check yours without touching your credit score.

The short answer

Why revenue rather than credit score or assets? Because a working-capital advance from PIRS isn't a loan against collateral. It's the purchase of a portion of your future sales at a discount, repaid as a small share of your daily or weekly revenue. The amount that structure can support is naturally a function of how much revenue is actually coming in, so your sales are the starting point for the whole calculation.

The five factors that drive your number

Two businesses with the same monthly revenue can be offered different amounts. Here's what underwriting actually weighs:

Notice what's not on that list as a hard gate: a perfect credit score. Credit is one input, but for a revenue-based advance it rarely acts as the pass/fail line it is for a bank term loan. If credit is your worry, see our post on working capital for businesses with bad credit.

How to estimate your own range

You can get close to your own ballpark before you ever apply. Take your average monthly revenue over the last four to six months, then apply the rough one-half-to-one-and-a-half-times band. A business averaging $80,000 a month might reasonably expect an offer somewhere in the tens of thousands to low six figures, depending on the factors above. Treat that as a sketch, not a quote: the real number comes from underwriting your actual statements.

Getting an accurate number without a hard credit pull

The only way to know your real number is to have your recent bank statements reviewed. The good news is that getting a figure doesn't require a hard credit inquiry: PIRS pre-approval uses a soft credit check, which doesn't affect your score. You share a few months of statements, underwriting reads your actual deposit history, and you get a same-day soft offer with an amount, a cost, and terms you can evaluate. Our guide on how to qualify with no hard credit check walks through the process.

The bottom line

How much working capital you can get comes down mostly to how much revenue you're doing and how consistently, with time in business and bank-statement health filling in the rest. As a starting rule of thumb, think in terms of roughly one-half to one-and-a-half times a month's sales, up to $5 million, always subject to underwriting. To turn the rule of thumb into a real figure, see our working capital overview or apply with a few months of statements. No hard credit check to get a number.