NSFs are weighed in context: how many, how recent, and what the rest of your statements show. For established businesses doing $60K+ a month.
Review my fileQualifying for Funding
When you apply through our partner, Merchant Fund Express, NSFs are reviewed next to your deposits, balances, and revenue trend.
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 one factor. Deposit consistency, average balance, and revenue trend are reviewed together.
FICO 500+ is considered and the first step is a soft pull, so you can explore options without a hard inquiry to start.
About 3 months of statements and a 5-minute application, no tax returns. Qualified businesses can fund in as little as 24 hours.
Your offer shows the full repayment amount and the schedule up front. No surprise costs after you sign.
A non-sufficient funds item means a payment hit your account when the balance could not cover it. On a funding review, NSFs are a signal about cash management, so they matter. But they are weighed alongside everything else in about three months of business bank statements. There is no single rule that applies to every file, and we will not tell you they do not count.
| Factor | What a funder is asking |
|---|---|
| Count | Is this one slip or a habit? |
| Recency | Did it happen last week or three months ago? |
| Clustering | Do they bunch up around the same date each month? |
| Deposit strength | Are deposits large and steady relative to the overdrafts? |
| Cause | A timing mismatch, a disputed charge, or a sign of strain? |
For illustration only. An auto body shop with $120,000 in monthly deposits shows two NSFs, both in the same week, when an insurer's payment arrived five days late. The rest of the 90 days is clean. That reads as a timing gap with a clear explanation.
A different business with $65,000 in deposits shows NSFs every week across all three months, along with several daily payments to other funders. That reads as a cash flow strain, and the existing obligations matter as much as the NSFs themselves. See what funders look at for the bigger picture.
We serve established businesses typically doing $60K or more a month. Through our partner Merchant Fund Express, funding ranges from $25,000 to $5,000,000, FICO 500+ is considered, and the application takes about 5 minutes with a soft credit pull to start. No tax returns required. If your deposits are strong and your NSFs have a story, submit your application and include the explanation. Owners working on credit can also read our bad credit business funding page.
There is no universal number. Funders weigh count, recency, pattern, and deposit strength together.
If NSFs are frequent and recent, a cleaner month or two can help. If they are isolated with a clear cause, applying now with an explanation is reasonable.
Both show the balance dipped below what was needed. Funders usually look at negative days and returned items together.
Often, yes. A short, honest explanation tied to specific dates helps.
NSFs are a bank statement issue rather than a credit report item in most cases. Credit repair is a separate service from funding.
Example uses for illustration only.
Recent months count most, so small changes now show up fast.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding