Owners ask for a number before they send statements. That is reasonable. It is also the question a calculator can only half-answer, because the deposits — not the dropdown — decide the file.
Updated 2026-09-23 · Published 2026-09-23
What actually sizes the amount
Flexible programs look at average business deposits, how long those deposits have been consistent, and whether the use is payroll, inventory, or equipment. Credit narrows options. It rarely sets the dollar amount by itself.
A planning band, not an offer
The estimator at /qualify uses the midpoint of the revenue range you select, then scales it for time in business and a simple credit description. It is capped at $500,000. Submitting nothing on that page does not check your credit.
Miami, Orlando, and Tampa Bay
The same sizing applies in every Florida metro we serve. Seasonal deposits in Orlando and Miami Beach, and steadier local volume in Hialeah or Jacksonville, are both readable — if the money hits the business account.
What to do with the number
If the band is in the neighborhood of what you need, apply. If you have been open less than six months, call first. Most programs cannot price that file from a form.