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Recently we approached Sun Trust, BoA and Chase for business line of credit for our company with 2.3 mill turnover and 110k profit. All of them turned down and everyone quoted that there are some check bounced in the account as one of the reason. Since ours is cash intensive business, we could not avoid it. But it's always in small amounts like $1000 or $1500 and this happens on an avg of two times a month. Little hard to predict in our line of business.
How long the check bounce impact for underwriter when reviewing the application? We plan to reapply again in three months.