Busy accounts see returned items. Built for established businesses doing $60K+ a month that want an honest read of their file.
See where I standQualifying
Funding is available through our partner, Merchant Fund Express. Reviews look at NSFs in context with deposits, balances and trends.
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.
NSFs are weighed alongside deposit volume, balances and recent trends. They neither end a review automatically nor go unnoticed.
FICO 500+ is considered, the first step is a soft pull, and revenue carries weight in the decision.
Five-minute application, about three months of statements, no tax returns. Qualified businesses can fund in as little as 24 hours.
Your offer shows the full repayment amount and schedule before you accept, with no surprise costs after signing.
NSFs, or non-sufficient funds items, are not an automatic disqualifier, and they are not something a funder overlooks. They get weighed. A funder reviewing your bank statements will look at how many there are, when they happened, and what was going on around them. Context changes how the same number reads.
Owners who run real operations know how it goes. A large customer pays late. A supplier debit hits a day before a big deposit clears. Payroll lands on the same morning as an insurance draft. None of that means the business is failing, but it does leave a mark on the statement.
What funders try to understand is whether the NSFs reflect a timing problem in an otherwise strong account, or a pattern of the account running dry.
| Factor | Why it matters |
|---|---|
| Number and timing | A cluster in one rough week reads differently from a steady trickle every month |
| Monthly deposits | Strong, consistent revenue gives context to occasional shortfalls |
| Average daily balance | Shows how much cushion the account usually carries |
| Recent trend | Fewer returned items lately can show the issue is behind you |
| Existing obligations | Daily or weekly draws already on the account affect cash |
We do not publish NSF limits because there is no single number that applies to every file.
For a wider view of the review, read what funders look at and our page on average bank balance.
Funding is provided through our partner Merchant Fund Express for established businesses, typically doing $60K or more a month. The application takes five minutes, starts with a soft credit pull, and uses about three months of business bank statements. No tax returns required, and FICO 500+ is considered. Submit your application and let the full file be reviewed.
There is no fixed number we can give. Funders weigh NSFs against deposits, balances, trend and existing obligations.
That is your call. Some owners apply now and explain recent returned items; others wait for a cleaner month. Both are reasonable.
NSFs show on bank statements, which is where funders see them. How your bank handles them is between you and your bank.
Not automatically. FICO 500+ is considered and revenue carries real weight, but every file is reviewed on its own.
Yes, sole proprietors can apply. The same review of deposits, balances and returned items applies to every file.
Example uses for illustration only.
Fewer returned items over recent months makes your account easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding