Loan Needed REstaurants NSF 15-23

[Inacio]

2 Location Restaurant TIB 1 = 6 Years TIB 2 = 1.5 Years
I have a tough one here, Any lenders? NSF is an issue
2 Restaurants 2 Owners owners Scores 621 & 667
Loan requested $20-40K
Their ERC for $175k does not come in until Feb 2023
Location 1 TIB 8 years
Deposits $70k per month
NSF (Sep =15) (Oct =22) (Nov =21)
Location 2 TIB 1.5 Years
Deposits $20k Per month
NSF (Sep = 20) (Oct = 15) (Nov = 23)
Thank you

[fcfinancial]

Possibly a credit card split (lockbox) eliminates any opportunity for ACH Rejects.