A few days below zero do not tell the whole story. We review your deposits, the trend and the reasons behind each dip.
Check My OptionsQualifying: bank balance history
Negative days are one signal among several. We look at how often the account dipped, how fast it recovered and how steady your deposits are across about three months of statements.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of bank statements. No tax returns. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. Deposits and the balance trend carry real weight alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is laid out in the offer up front, so you can map it against your deposit cycle.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A negative balance day is any day your business checking account closes below zero. When we review roughly three months of bank statements, those days show up clearly. They do not end the conversation on their own. What a reviewer wants to understand is why the account dipped and how quickly it recovered.
One or two dips around a big supplier payment read very differently from an account that sits overdrawn for a week at a time. Context matters, and the statements usually tell most of the story.
Funders tend to look at a few things together rather than counting negative days in isolation:
Our average daily balance page goes deeper on how balances are read alongside deposits.
Plenty of healthy businesses run tight. A restaurant pays its food distributor on Monday and the weekend card batches land Tuesday. A contractor pays a crew before a draw clears. If your deposits are consistent, the dips are easier to explain. We consider FICO scores from 500, and we do not ask for tax returns, so the bank statements carry most of the weight in our review.
Depending on your deposits, options can include working capital, a merchant cash advance, revenue-based financing or a business line of credit. A line can be useful precisely because it gives you something to draw on before the account dips. Your offer spells out the full repayment amount and the schedule before you accept anything.
Pull your last three months of statements and jot a short note on any negative days: what payment caused it and when it was covered. That note saves back-and-forth. The 5-minute application starts with a soft credit pull, and qualified businesses can be funded in as little as 24 hours. If your balance tends to sit low but rarely goes negative, see funding with a low average bank balance.
Not automatically. We look at how often they happen, how deep they go and how fast deposits bring the account back. A pattern that is improving reads better than one that is getting worse.
We do not work from a single published cutoff. Each file is reviewed as a whole, with deposits, balance trends and existing obligations weighed together.
If the last month was unusually rough and the next will be clearly cleaner, waiting can help. If the dips were caused by one-time expenses, explaining them may be enough to apply now.
They are part of the picture because they show the account went below zero. A short explanation of what caused them helps a reviewer read them in context.
We start with a soft credit pull, which does not affect your score. You will see the offer terms before deciding anything.
Example uses for illustration only.
A few practical steps can make negative days easier to read in your file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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