Negative Days
The number of days within a review period that a business bank account balance dropped below zero, a common red flag lenders check for during underwriting.
A pattern of frequent negative days can signal cash flow strain or overextension, and most lenders reviewing bank statements will count and weigh them, even if the account was later brought positive again.
A small number of isolated negative days is often treated differently than a recurring pattern, so underwriters typically look at both frequency and context (like whether the business has multiple existing advances stacked) rather than negative days alone.
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