(And What It Says About Your Business)
One of the most common questions we get at LumenPoint Capital is:
“How much can I actually get approved for?”
It’s a smart question.
Because the size of your approval tells you a lot more than just the dollar amount.
It tells you where your business stands — and how funders see your potential.
Let’s break it down, so you know what to expect — and how to get the most out of every capital conversation.
🔍 What Funders Really Look At
You don’t need a perfect credit score to get approved.
But funders do care about a few key metrics:
1. Monthly Revenue
Your last 3–6 months of business deposits matter most.
If you’re doing $20K/month or more — you’re already in a strong position.
2. Time in Business
The longer you’ve been operating, the better.
6+ months = minimum requirement
12+ months = better terms and larger approvals
3. Bank Activity
Funders want to see how you manage cash, not just how much you make.
Few (or no) negative balance days = a huge plus.
4. Existing Debt / Advances
Already stacked with other MCAs?
It could limit your new approval size — or point you toward reverse consolidation options.
📊 General Approval Guidelines (for MCA Funding)
Here’s a ballpark based on your monthly revenue:
| Monthly Revenue | Typical Advance Range |
|---|---|
| $20K–$40K | $15K–$35K |
| $40K–$60K | $30K–$50K |
| $60K–$100K | $45K–$85K |
| $100K+ (and scaling) | $75K–$250K+ (with strong banking activity) |
⚡ Multiple advances?
You might still qualify for reverse consolidations or stack buyouts, often 30–60% of your monthly revenue.
📈 It’s Not Just About Getting Funded — It’s About What You Can Do With It
Think about it:
An extra $50,000 could mean:
Taking on that new client you were about to turn away
Hiring a key employee to free up your time
Buying discounted inventory and flipping it for major profit
Launching that ad campaign you’ve been sitting on
Speed + strategy = growth.
But none of that happens if you wait too long.
🧠 Pro Tip: Qualifying for $30K+ Now > Getting Denied Later
You might be thinking:
“I don’t really need the money right now.“
Perfect.
That’s exactly when you should apply.
You get better approvals, better terms, and better funder relationships when you’re positioned strong — not when you’re scrambling.
Waiting = shrinking options + higher cost.
🤝 How LumenPoint Capital Helps
At LumenPoint Capital, we don’t shotgun your file to 15 different funders.
Instead, we:
✅ Package your file the right way
✅ Pre-qualify you without hurting your credit
✅ Show you your real approval power — even if you’re not ready to move today
No fluff. No pressure. Just real answers.
📩 Ready to See What You Qualify For?
You might be sitting on more firepower than you think.