NSFs do not automatically sink a file, and they are not ignored. Established businesses doing $60K+ a month get the whole statement read, not one line.
See where I standQualifying
Funders read NSFs alongside deposits, balance and trend. Apply through our partner, Merchant Fund Express, and get a real answer.
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.
About 3 months of statements get read as a whole, with no tax returns. 5-minute application to start.
FICO 500+ considered with a soft pull to start. Revenue and deposits carry weight next to any NSFs.
If you get an offer, it shows the full repayment amount up front. No surprise costs after you sign.
Qualified businesses can be funded in as little as 24 hours, with the repayment schedule in the offer.
NSFs get weighed. They do not decide the file by themselves in either direction. A funder reviewing your last three months of statements will count them, look at when they happened and why, and set that against your deposits and balances. That is the honest answer, and anyone who tells you NSFs never matter or always kill a deal is oversimplifying.
An NSF, or non-sufficient funds item, means a payment hit the account when the money was not there. To a funder, it is a signal about cash timing. Funding through our partner Merchant Fund Express is repaid from your account, so they want to know the account can handle payments.
| Reads better | Reads worse |
|---|---|
| One or two, clustered in one rough week | Spread through every month |
| Older, with clean recent weeks | Recent and increasing |
| Strong deposits alongside them | Falling deposits alongside them |
| A clear, explainable cause | No obvious reason |
This is how files are commonly reviewed, not a scoring formula.
For illustration only. An auto repair shop doing $85,000 a month had three NSFs in one week in July when a big fleet client paid late. August and September are clean. That story is easy to explain and the deposits back it up. Compare that to a shop with an NSF or two every month for three months straight. Same count, very different read.
See average bank balance and what funders look at for the rest of the picture.
Banks can be stricter on this than revenue-focused funders. We serve established businesses doing $60K or more a month with imperfect credit and imperfect statements. FICO 500+ is considered, no tax returns are required, there is a soft credit pull to start, and sole proprietors can apply. Apply in 5 minutes and get a straight answer. Funding runs $25,000 to $5,000,000, and can arrive in as little as 24 hours for qualified businesses.
There is no single number we can give you. Funders weigh count, timing and the rest of your statements together.
They are similar signals about cash timing. Both get looked at alongside your deposits and balances.
If you need the money, apply now and explain. If not, a clean month or two can help how your file reads.
Funders want your business operating account, the one where revenue lands. Be upfront about all accounts.
No. NSFs are on your bank statements, not your credit report. Credit repair and funding are separate services.
Example uses for illustration only.
If NSFs show up on your statements, do this before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding