Days on which a merchant’s bank account carried a negative balance.
Direct evidence that an account already runs tight, and the fastest route to a decline. More than a handful across four months of statements is difficult to place regardless of revenue, because the question underwriting asks is whether another remittance can be taken without overdrawing.
Underwriting
A funder’s assessment of whether a merchant’s receipts can absorb a daily remittance, and on what terms.
Decline
A funder’s refusal to make an offer on a submitted file.
Average daily balance
The mean end-of-day balance across the statement period, and the primary measure of remittance capacity.
NSF
A returned payment caused by insufficient balance in the merchant’s account.
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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