Estimator
What a file this size tends to support.
Sizing works backwards from what the business can service each month, after everything already in front of us. Three inputs, no contact details, nothing recorded.
Illustrative only. This is not an offer, a quote, a pre-approval, or a commitment to lend. The range shown is a rough guide produced from three numbers and a fixed assumption about term. It is not underwriting. Actual availability, pricing, fees and structure are determined on the file and confirmed in a written term sheet before anything is signed.
Total deposits across the business operating accounts in an average month.
Everything currently servicing: loans, advances, equipment finance, lines.
How the range is produced
No black box.
Capacity, not revenue
Total monthly debt service is held to between 10% and 16% of deposits. Whatever is already servicing comes out of that ceiling first.
Converted to principal
That monthly capacity is spread across an 18-month term and discounted for the total cost of the facility, so the figure shown is an amount advanced rather than an amount repaid.
Bounded by the mandate
Facilities run from $200,000 to $10,000,000 for businesses with $3,000,000 or more in annual revenue. A request below that is reported as outside our range rather than rounded up into it.