The simple calculationAdd the last four months of business revenue and divide by four. The working-capital starting criterion is at least $10,000 per month on average.

All four months belong in the picture.

For example: $8,000 + $12,000 + $9,000 + $11,000 totals $40,000. Divide by four and the monthly average is $10,000. You do not need four identical months to reach that average.

Find your four-month average.

Example figures shown. Your entries stay on this page.

Average monthly revenue$10,000

Business age is a different number.

Six months is the minimum operating history for this working-capital starting point. Four months is the revenue averaging period. Keep the two separate when reviewing your fit.

Revenue and spending room are not identical.

Revenue tells you what the business brings in. Cash flow also depends on when that money arrives and what is already due. Consider operating expenses and existing obligations alongside the amount you plan to request.

Put the number into the full starting picture.

For the primary working-capital route, review your LLC/incorporated structure, six months operating, $10,000 four-month average and $5,000–$500,000 request. The application has no credit check; final eligibility and terms are subject to review.

Ready for the next step? Use the application checklist to organize the business information you will need.