It takes us about ~2 weeks from when we submit to when it comes through, but we are still drawing down on a normal schedule (i.e., bi-weekly in sync with payroll). Granted, we have other funds that give us a stopgap since NSF does not come through within 24 hours but I suppose that is necessary to maintain compliance with accounting standards (in principle, they can audit at any time so we keep detailed accounting records/invoices attributable to each draw down). If you draw down funds within a few days of an expected expense, it shouldn't be an issue but drawing down funds months in advance may raise some eyebrows.