Bank Activity
These are the actual thresholds: no more than 3 negative days a month or 9 across six months, and no more than 6 NSFs a month or 24 across six months.
✓ Checking what you qualify for does not affect your credit score.
A negative day is any day the account balance drops below zero, even briefly. An NSF is a returned or declined item for insufficient funds — not the same thing as a negative day, and both are counted separately.
Occasional negative days or a single NSF do not sink a file. It is the pattern across three to six months of statements that underwriters weigh, not one bad week.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity — not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
Any day the account balance goes below zero, regardless of how briefly.
A returned or declined transaction due to insufficient funds.
No. These are monthly and six-month totals, not zero-tolerance limits.
Typically three to six months of business bank statements.
Yes — a cleaner few months immediately before applying can meaningfully change how the file reads.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
