MCA Underwriter
Free tool

NSF & negative days checker

Enter a month’s NSF count and negative days to see where the file lands on the cash-management signal that shapes its paper grade. Free, no signup.

Cash-management signal
Clean
This month
1 NSF · 2 neg

Consistent with A/B paper on the cash-management signals. Pricing will hinge on revenue, balance and positions.

Rules of thumb: 0–2 NSFs and 0–2 negative days a month read clean; 3–4 is caution; 5+ is high risk. Tolerances vary by funder, position and paper grade — this is a signal, not a decision.

What the signal means

NSFs and negative days are the plainest measure of whether a business runs out of cash. They don’t decide a deal on their own, but they move the paper grade hard — a merchant that can’t cover its own obligations is a risky bet to service a new daily remittance.

Read them in context

A couple of NSFs on a file with a strong average daily balance and healthy true revenue is very different from the same count on a thin, stacked account. Always read the trend across all 3–6 months, not one month in isolation.

Counted for you, reconciled. Upload the statements and the NSF count and negative days are computed from the reconciled daily balance series — and only served high-confidence when the statement ties out against the bank’s printed balances.

Frequently asked questions

How many NSFs is too many for an MCA?

Zero is ideal and one to two a month is usually acceptable with healthy balances. Three to four is caution, and five or more — or a rising trend — commonly pushes a file to C/D paper or a decline.

How many negative days can a merchant have?

Many funders tolerate up to about three to five negative days a month for A/B paper. More than that, especially clustered at month-end, signals thin liquidity and moves the file down.

Keep reading

GlossaryNSF (Non-Sufficient Funds)What counts as an NSF and how many is too many.ReadGlossaryMCA Paper Grades (A–D)How NSFs and negative days feed the grade.ReadFree toolAverage daily balance calculatorCompute a month’s average daily balance from end-of-day balances — the way an MCA underwriter reads it. Free, no signup.Read

Underwrite your next deal in 60 seconds

Drop a merchant’s bank statements and get true revenue, average daily balance, NSFs, negative days and existing MCA positions — each figure reconciled against the bank’s own printed balances. Your first business is free.

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