Roughly half of declines are properties of the merchant — negative days, existing positions, time in business — and cannot be fixed. The other half are properties of the file: an unrealistic ask, missing months, no context for an anomaly, or placement with a funder that never wanted that paper.
Underwriting
A funder’s assessment of whether a merchant’s receipts can absorb a daily remittance, and on what terms.
Submission
A completed merchant file sent to a funder for underwriting.
Negative days
Days on which a merchant’s bank account carried a negative balance.
Time in business
How long a merchant’s entity has been trading, measured from formation or from first revenue depending on the funder.
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