Negative Days

What it means

Negative days are counted per month and across a six-month window. A small number is tolerated by most underwriting standards; frequent negative days are one of the most common reasons an otherwise strong file is declined.

Why it matters when you apply

Underwriting for revenue-based business funding leans on bank activity, time in business, industry and existing positions. Where this term touches one of those, it can move a decision.

See the four factors that decide most files on the qualification page.

Related terms

NSF (Non-Sufficient Funds) — A returned or declined transaction caused by too little money in the account.

Average Daily Balance — The average amount held in a business bank account across a statement period, measured every day rather than at month end.

Where this fits

Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →

Common questions

What is negative days?

Any day on which a business bank account balance falls below zero, even briefly.

How does this affect my approval?

It depends on the factor it touches — industry, bank activity, time in business or existing positions. Those four decide most files.

Where can I see real rates and terms?

Every product page on this site publishes the amount range, term, rate and fee structure up front.