Working Capital Calculator
Estimate the funding your revenue can comfortably support.
A rough comfort estimate based on a healthy share of revenue going to payments. Actual approval amounts depend on your full profile.
How this calculator works
This calculator works backward from what your business can comfortably pay. It starts with your average monthly revenue and the share of it you're willing to set aside for loan payments. Multiply the two and you have a comfortable monthly payment.
Then it asks: at the term and pricing you entered, how much funding does that payment fully repay? It's the same amortization math behind a fixed-payment loan, run in reverse. A longer term, or lower pricing, lets the same payment support a larger amount.
The share of revenue is the lever that matters most. Revenue isn't profit, so the right share depends on your margins. A business with thin margins should test a smaller share than one with plenty of room. The estimate tops out at $1.5 million; above that, it's a conversation rather than a calculator.
How to read your result
| Estimated funding you can support | A comfort number, not an approval amount. It answers "how much could I carry without straining cash flow," not "how much will a lender offer." Those can differ in either direction. |
|---|---|
| Comfortable monthly payment | Your revenue times the share you chose. Check it against your real monthly expenses. If it would leave you short in a slow month, lower the share and watch the funding estimate adjust. |
| When it doesn't match your need | If you need more than the estimate, a longer term, a different product or a smaller first step may fit better. If you need less, good: borrowing below what you can carry leaves room for surprises. |
What lenders look at
A lender sizes working capital from your records, not from a single revenue number. These are the pieces they typically weigh; the exact mix varies by lender and product.
Deposits, not just sales
Revenue is usually read from bank statements. Consistent deposits month over month carry more weight than one big month.
Account balances
The cushion that sits in the account between deposits shows how the business handles a slow stretch.
Existing payments
Current loans, leases and advances all come out of the same revenue. Lenders add them up before sizing anything new.
Time in business
Operating history shapes which programs are open and how much room there is.
Credit
Personal and business credit both factor in. Checking your options with us has no credit impact.
Seasonality
A business with a busy season and a slow one should expect a lender to look at the whole year, not the peak.
A worked example
Say an example business averages $50,000 a month in revenue and wants loan payments to stay at 12% of that. The comfortable payment is $6,000 a month.
Over 24 months, that's $144,000 in total payments ($6,000 × 24). The funding it supports is less than that, because part of every payment is interest. Enter the pricing from a real quote to see the exact figure.
Now try 8% of revenue. The comfortable payment drops to $4,000 a month and the funding estimate falls with it. That's the trade-off on one screen: a smaller share is safer, a larger share stretches further.
Common questions
How does this estimate work?
It assumes a comfortable share of your monthly revenue goes to loan payments, then works backward to the funding amount that payment supports at the chosen term and rate.
Is this how much I'll be approved for?
Not necessarily — it's a comfort estimate. Actual approval amounts depend on your full profile and the lender's decision.
What share of revenue should I use?
There's no single right answer, because it depends on your margins and your other expenses. Start with what you could pay in a slow month without skipping anything else, and work from there. Revenue isn't profit, so lean conservative.
Why doesn't the estimate match an offer I received?
Lenders size offers on their own criteria, including credit, time in business, existing debt and how consistent your deposits are. This calculator only looks at what your revenue can comfortably carry.
What can working capital be used for?
Inventory, payroll through a slow season, equipment, marketing, a new location, or replacing higher-cost debt. The purpose affects which product fits best.
Your next step
Know roughly what you can carry? Match it to a product, or read 5 smart ways owners use working capital before you decide how to put it to work.
Working capital
Fixed-term financing for inventory, payroll, growth and cash-flow gaps.
Learn more →Business line of credit
Flexible capital you draw as needed, for needs that come and go.
Learn more →Capital Position Report
Find out what your business realistically qualifies for today.
Learn more →Checking your options takes about 2 minutes, doesn't affect your credit, and carries no obligation. Capco Capital is a commercial lending advisory firm operated by Capco Capital LLC. We arrange financing through third-party lenders as a loan broker and are compensated by the lender when a loan funds. We are not a lender and are not affiliated with the U.S. Small Business Administration.
Like the numbers? Let's make them real.
Check your options in two minutes with no credit pull and no obligation, or call (337) 270-2036.
