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Paste a month of end-of-day balances. Get the average, the lowest day and the days below the published lines.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: Paste daily balances to get your average, lowest day and negative days against the published lines.
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
Average daily balance is the sum of each day’s closing balance divided by the number of days. A reviewer reads it from the daily balance summary on your statements. It is the best single picture of whether an account can carry a payment. See average daily balance for the full explanation.
See funding with a low average daily balance and negative days and NSFs.
An owner pastes 30 balances and finds an average of $2,100, a low of −$120 and four days under $800. He clears the $800 average line and sees the negative day and the four low days as the thing to fix. A week later he moves two drafts and the pattern improves.
Source: Merchant Fund Express.
The daily balance summary on your bank statement, or a transaction export. Source: Merchant Fund Express.
More days give a truer average.
No. The calculation runs in your browser.
Tier one reads $5,000 or 10% of revenue; the revenue-based tier reads $800.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
