[Karen37a]

Cap Key

Some Funders take into consideration if all the nsfs were in one day or two, stemming from one event ( eg vendor bouncing a check ) or isolated incident...some do not care either way....Negative days weigh more into the equation( with some). Was it the slow season? Or just losing business etc.

All industries( sic codes ) are looked at differently ( some are more in favor than others with particular funders ).

The default one is hard to conquer unless he had a temporary heart attack and rose from the dead ( being facetious )

When I looked at these in the past when I was first placing deals I thought " would I put my money into this? " then id think hell no ( disclosed upfront to funder the issue ) and I got it funded anyway because certain companies are more tolerant than I would have been ( if it was my money)

I called a Funder or 2 saying " you made a mistake on the underwriting you are offering 80k " it should be 30k-40k...
( lowering my commission like a fool )
10 plusyears in business, 720 plus credit took the offer up and over the hump. You will learn whats in their wheel house and risk tolleranc level after many deals