Funding desk is open · applications reviewed 7 days
info@nightfoxfunding.com612-927-2055
Night Fox FundingNight FoxFunding
Funding desk612-927-2055Pre-Qualify
Navigate
HomeAll funding programsIndustriesHow it worksFunding estimatorResources & guidesFAQPartner programAbout TravisContact
Funding programs
Working CapitalLine of CreditSBA 7(a) & 504Term LoansEquipment FinancingInvoice FactoringRevenue-Based AdvanceReal Estate InvestorStartup FundingBusiness Credit
Start pre-qualificationCall 612-927-2055
HomeResourcesEstimator
Funding estimator

A real number, before you talk to anyone.

Three inputs, no email, no credit check. It applies the same revenue-multiple logic underwriters use, adjusted for time in business and credit band.

$45,000/mo
Total business bank deposits per month, not net profit.
This is an estimate, not an offer. Bank statement quality, existing positions, industry and seasonality all move the real number.
Estimated approval
$60,000

Likely range: $36K – $81K

Programs that fit
Term loan · Line of credit
Typical term
12 – 60 months
Time to funding
1 – 5 days
Credit impact
None to check
Get my real number

Four minutes · No obligation

Reading the number

What actually drives your ceiling.

Most cash-flow programs size at 80% to 150% of one month's deposits. Everything below moves you within that band — or moves you out of it entirely.

  • Monthly deposits. The base number. Consistency across three months matters more than one strong month.
  • Average daily balance. A business that ends every day near zero looks fragile no matter what the top line says.
  • Time in business. The single biggest lever on which lenders will even open the file.
  • Credit band. Less about approval than about price. 640 to 700 is often a 15-point APR swing.
  • NSFs and negative days. More than five NSFs a month declines files that otherwise qualify.
  • Existing positions. Each one takes a slice of deposits and reduces what the next lender will do.

Move your number in 90 days

  • 01

    Run everything through the business account

    Deposits that route through a personal account are invisible to underwriting. This alone can double a file's ceiling.

  • 02

    Kill the NSFs

    Keep a buffer that prevents overdrafts entirely. Three clean months changes the pricing tier you qualify for.

  • 03

    Get utilization under 30%

    The fastest personal-credit lever there is, and it moves scores within one reporting cycle.

  • 04

    Pay down a position

    Clearing one advance frees daily cash and immediately widens what the next lender will approve.

About the estimator

Questions

It reflects the revenue-multiple logic most cash-flow underwriters apply, adjusted for time in business and credit band — so it's a reasonable ballpark. What it can't see is bank statement quality, existing positions, industry, or seasonality, and those can move a real approval meaningfully in either direction.
Because it changes which lenders will look at you at all. Under six months you're limited to advances and asset-backed programs. Past two years, term lenders and SBA open up, and the pricing improves dramatically.
No. Nothing here touches a credit bureau — there's no form, no email required, and no data leaves your browser.
The estimate is the midpoint of what a typical funder would offer. The range reflects that different lenders size the same file differently — sometimes by 40% or more, which is exactly why shopping the file matters.
Ready when you are

When your bank says no. We find who says yes.

A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.

Talk to Travis directly612-927-2055
Start pre-qualification

Soft review · No obligation · No impact on your credit score

Call now Pre-Qualify