How to say if meta_value is greater than 0 in an array?

by

As documented, you can use meta_compare:

$args = array(
    'meta_key'       => 'userfunds',
    'meta_value_num' => '0', 
    'meta_compare'   => '>',   
);

Note that I changed meta_value to meta_value_num. This ensures the values is treated as a number for the comparison. You’d probably be ok without it, but it doesn’t hurt.