The mean end-of-day balance across the statement period, and the primary measure of remittance capacity.
A merchant averaging $2,000 cannot service a $500 daily remittance regardless of monthly revenue. This is why an ask sized against revenue rather than balance signals to an underwriter that the file was not read.
Negative days
Days on which a merchant’s bank account carried a negative balance.
Underwriting
A funder’s assessment of whether a merchant’s receipts can absorb a daily remittance, and on what terms.
Deposit count
The number of separate deposits into a merchant’s account in a statement period, as distinct from the total deposited.
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