How do I calculate how much business funding I need?

To calculate how much business funding you need, subtract your actual monthly revenue from your fixed monthly costs to find your monthly cash shortfall. Multiply that shortfall by the number of months you need to bridge. Add a 15–20% buffer for unexpected expenses. The result is your recommended funding amount. This calculator does all of that automatically based on your inputs.

What is a revenue gap in business?

A revenue gap is the difference between the revenue a business expects (or historically generates) and its actual current revenue. When the revenue gap is large enough that actual revenue no longer covers fixed operating costs, a cash shortfall results. Business funding — such as a merchant cash advance — can bridge this shortfall while the business recovers or grows into its revenue potential.

How much does a merchant cash advance cost to bridge a revenue gap?

The cost depends on the advance amount and factor rate. A $20,000 advance at a 1.25 factor rate costs $5,000 total (the advance × factor rate = total repayment). The daily payment would be approximately $154 on a standard 130-business-day term. Use the Revenue Gap Calculator above to calculate your specific recommended amount and estimated cost based on your actual numbers.

What if my actual funding need exceeds what I entered?

Enter your best estimate. MCA advance amounts are typically 100–150% of your average monthly deposits — not solely based on what you request. Submit your application and the funder will make an offer based on your revenue. You can accept, negotiate, or decline any offer.

Does the revenue gap calculator show me what I actually qualify for?

No — the calculator estimates what you might need based on the numbers you enter. Actual MCA offers are based on your monthly bank deposits, typically 100–150% of one month's average. Submit an application to see a real offer based on your actual revenue.

Revenue Gap Calculator: How Much Funding?

Your Revenue & Expenses

Expected Monthly Revenue

What your monthly revenue normally is, or what you projected.

Actual Monthly Revenue (right now)

Your actual average monthly revenue over the last 3 months.

Monthly Fixed Costs (rent, payroll, utilities, debt payments)

How Many Months Do You Need to Bridge?

How long until you expect revenue to recover or the situation to improve.

Estimated Factor Rate (for payment estimate)

Your Funding Analysis

Monthly Revenue Gap —

Monthly Cash Shortfall —

Bridge Period 3 months

Recommended Funding Amount —

Estimated Total Repayment —

Estimated Daily Payment —

💡

How the funding recommendation is calculated Total gap = monthly shortfall × bridge months, plus a 20% buffer for unexpected costs. The recommended amount also accounts for MCA minimum ($10,000) and maximum ($1,000,000) funding limits.

Know your number. Apply in 10 minutes.

Bring your 6 consecutive months of bank statements and the funding amount from your calculation above.

Apply for Funding →

Decision in 24–48 hours. 500+ credit score accepted.

MCA Payment Calculator → Working Capital Calculator → Check Fundability Score →

Ready to Close That Revenue Gap?

Now that you know the number, get the capital. MCA funds in 1–3 days based on your monthly deposits, not your credit score.

✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days