Funding Calculator
How much could I qualify for?
Tell us about your business and get an instant estimate of your funding amount, payment and total cost. No credit check, no obligation.
Estimated funding amount
$50,000
Preferred tier · about 18-month term
Estimated payment
$1,750
twice monthly
Estimated total cost
$13,000
- No impact to your credit score
- Instant estimate
- Based on your business profile
Applying takes about 2 minutes and won't affect your credit score.
* This calculator is for illustration only and is based on the information you enter. It is not an offer, a commitment to lend, or a quote, and it does not check your credit. Actual amounts, rates and terms depend on your business bank statements, credit and the lender, and may be higher or lower. Funding subject to approval.
What happens after you calculate
The number above is a model, not an offer. Here's how it becomes a real one.
The estimate is free and private
Running this calculator doesn't touch your credit, and nothing you enter is shared with a lender. Find out where you stand before you decide anything.
Apply and get a real offer same day
Your recent business bank statements are reviewed across our lender network, and you see real options side by side, often the same business day.
A starting point, not a ceiling
A calculator can't see a signed contract, a seasonal pattern or a strong month that hasn't landed yet. An advisor can size an offer against what the model missed.
Owners like you get real answers, fast.
Restaurants, contractors, drivers and clinic owners use New Tide to keep the doors open and the business growing.
Frequently asked questions
How accurate is this funding calculator?
It is an estimate based on what you enter, not an offer. It models the amount, payment and total cost that a business with your profile typically sees across our lender network. A real offer comes from your recent business bank statements, so the final numbers can be higher or lower.
Does using the calculator affect my credit score?
No. The calculator runs entirely on what you type and never checks a credit bureau. Your credit score here is self-reported and only used for the estimate.
What drives the estimate?
Three things: how long you have been in business, your monthly revenue, and your credit score. Revenue sets the size of the funding, and the combination of all three sets the pricing tier, term and payment.
What do I need to qualify?
Most programs look for 6+ months in business, about $10K+ in monthly revenue, and a credit score of 500+. Recent business bank statements are the main thing we review. A few programs fit newer or smaller businesses, so ask an advisor.
What is the difference between the payment and the total cost?
The payment is what leaves your account each month. The total cost is the full amount you repay beyond what you borrow. A longer term lowers the payment but usually raises the total, so look at both.
Need revolving access instead? Try the line of credit calculator.