Recent NSFs get noticed, but they are reviewed with your full deposit history. Apply in about 5 minutes with a soft credit pull.
Check My OptionsBank Statement Issues
We review your recent business bank activity as a whole, consider FICO 500+, and let you explain what caused the NSFs.
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 statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ reviewed together with deposits and the story behind recent NSFs.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out up front, so you can make sure it fits a tight account.
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.
An NSF, or non-sufficient funds item, shows up when a payment hits your account without enough money to cover it. Funders pay attention to them because they show the account running tight. Two in the most recent month will be noticed. How much weight they carry depends on the rest of your statements.
At Merchant Fund Express we review about three months of business bank statements, so a funder sees what happened before last month as well as during it.
There is no single rule that turns two NSFs into a yes or a no. Related reading: negative balance days and low average bank balance.
If a specific event caused the NSFs, say so in your application. A large customer paying late, a duplicate vendor charge, or a one-time tax payment are all explanations a reviewer can weigh. Unexplained NSFs leave the reviewer guessing.
The application takes about 5 minutes, starts with a soft credit pull, and needs no tax returns. We consider FICO 500+. Funding ranges from $25,000 to $5,000,000 across working capital, merchant cash advances, business lines of credit, equipment financing and revenue-based financing. Qualified businesses can be funded in as little as 24 hours. Every offer shows the full repayment amount and schedule before you accept, so you can make sure the payments fit an account that has been running tight. Apply now.
Not automatically. They are weighed with your deposit history, balance pattern, credit and existing obligations.
A clean month can help your statements, but waiting has costs too. You can check your options now with a soft pull and decide.
Yes. A one-time timing issue reads differently than ongoing shortfalls. Explain the cause on your application.
It can if the payments do not fit your cash flow. Review the repayment schedule in your offer carefully before accepting.
About three months of business bank statements and a 5-minute application. No tax returns are required.
Example uses for illustration only.
These steps help reduce NSFs going forward.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding