Negative Days & NSF Limits for Business Funding

The exact numbers

Negative days, monthlyKeep it at 3 or fewer per month

Negative days, 6-month totalKeep it at 9 or fewer across six months

NSFs, monthlyKeep it at 6 or fewer per month

NSFs, 6-month totalKeep it at 24 or fewer across six months

What counts and what does not

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.

Occasional issues inside these limits are normal and expected

The pattern across the full statement period matters more than any single day

This is measured alongside average daily balance, not instead of it

Staying inside these numbers in the months before you apply materially helps

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

What exactly counts as a negative day?

Any day the account balance goes below zero, regardless of how briefly.

What counts as an NSF?

A returned or declined transaction due to insufficient funds.

Will one NSF disqualify me?

No. These are monthly and six-month totals, not zero-tolerance limits.

How far back do you look?

Typically three to six months of business bank statements.

Can I improve this before applying?

Yes — a cleaner few months immediately before applying can meaningfully change how the file reads.

The exact negative days and NSF limits that matter.