Relief
Missed debits show as negative days and NSFs, and those are read directly: up to 3 negative days a month, 9 per six months and up to 6 NSFs a month, 24 per six months.
✓ Checking what you qualify for does not affect your credit score.
Missed debits show as negative days and NSFs, and those are read directly: up to 3 negative days a month, 9 per six months and up to 6 NSFs a month, 24 per six months.
Getting current matters more than getting more. A refinance can reshape a position under $100,000, but it cannot undo what the statements already show, and three months of statements is what underwriting reads.
Maximum two existing positions. The line of credit can sit second; the term loan is first position only.
Taking additional financing on top of an open line of credit freezes it — a published condition, not a surprise.
Application plus three months of business bank statements. Same-day decision, next business day funding.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Two is the published maximum.
No. It changes the payment shape and can carry early payoff discounts; it does not reduce the balance.
No.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
