Your average daily balance shows the cushion between deposits and payments. For established businesses doing $60K+ a month building a stronger file.
Check my balance fitQualifying for Funding
Your average balance is one of the things reviewed when you apply through our partner, Merchant Fund Express, alongside deposits and revenue.
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.
Average balance is weighed together with deposit consistency, NSFs, and revenue trend, not on its own.
FICO 500+ is considered and the process begins with a soft pull. Revenue carries real weight.
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 lists the total repayment amount and the schedule before you accept. No surprise costs after you sign.
Not one we publish, and not one that applies to every file. Average balance is one of several signals funders review on about three months of business bank statements, next to total deposits, NSFs, negative days, time in business, and existing obligations. A balance that looks thin for one business can look fine for another with a faster cash cycle.
Deposits show what comes in. Balance shows what stays. A business with $200,000 in monthly deposits and an account that touches zero every week is running tight, and repayment would draw from the same account. A steady cushion suggests room to absorb a scheduled payment without bouncing other bills.
For more on how reviewers think, read what funders look at.
Most reviewers look at the balance at the end of each day, then average across the month. For illustration only, a five-day snapshot:
| Day | End-of-day balance |
|---|---|
| Monday | $18,000 |
| Tuesday | $42,000 |
| Wednesday | $9,000 |
| Thursday | $6,000 |
| Friday | $35,000 |
The average is $22,000, but Thursday's $6,000 low tells its own story. Reviewers often look at both the average and the lowest days.
None of these require a credit change, and credit repair is a separate track from funding.
We serve established businesses typically doing $60K or more a month. Through our partner Merchant Fund Express, funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours for qualified businesses. The application takes about 5 minutes with a soft credit pull to start, FICO 500+ is considered, and no tax returns are required. Submit your application, or check how much you can borrow.
There is no universal line. It is read relative to your deposits, your bills, and how often the account dips near zero.
A sudden one-time transfer is easy to spot. Steady habits over the full statement period tell a stronger story.
Both are weighed. Frequent negative days can raise questions even when the average looks healthy.
Include the accounts that carry your business revenue so the full picture is visible. Leaving out an active operating account can make deposits look smaller than they are.
Yes. FICO 500+ is considered, and you can apply based on revenue while working on credit separately.
Amount depends mainly on monthly deposits and existing obligations. Balance is part of how those are read.
Example uses for illustration only.
Small cash-management moves lift your average balance over a few months.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding