ATOM // DASHBOARD
Portfolio Overview
Real-time origination, servicing, and collection telemetry across the book.
Portfolio O/S
$7.8M
▲ 1.4%
Active advances
Deployed Capital
$16.3M
▲ $3.2M MTD
Lifetime
Collect Rate 30D
94.3%
▲ 0.2pp
ACH success
Default Rate
5.0%
▼ 0.15pp
60+ dpd
Avg Factor Rate
1.337
▲ 0.01
Weighted
WADP
118d
Wtd avg days payoff
Active Merchants
47
▲ +4 MTD
60 lifetime
Gross Profit
-$2.4M
▲ 11.2%
Collected − Advanced
Funding Volume · Channel Mix
Last 12 months · Direct vs ISO-originatedDirectISO
Lead → Fund Funnel
Trailing 30 daysProspects Ingested46,208
Contacted12,407(26.9%)
Opened4,812(38.8%)
Clicked1,064(22.1%)
Applied284(26.7%)
Approved146(51.4%)
Funded112(76.7%)
Prospect → Fund0.24%
Collection / Default Trend
Rolling 12-month cohort performanceCashflow
Advances deployed vs collections receivedPortfolio · Industry Mix
Outstanding balanceLaw Firms
$1.3MTax Prep Services
$1.2MFull-Service Restaurants
$813.5KGas Stations & C-Stores
$659.5KMedical Offices
$560.7KBeauty Salons
$501.4KLocal Freight Trucking
$400.3KPortfolio · State
Top concentrationsIL
$1.4M
VA
$1.4M
NJ
$1.2M
CT
$1.2M
MA
$1.1M
AL
$1.1M
TN
$972.3K
OR
$630.4K
MD
$619.5K
PA
$596.6K
Channel Economics
Direct vs ISO gross profitDirect-to-Merchantvol $8.9M
Gross profit -$1.7M
ISO / Brokervol $7.4M
Gross profit -$731.3K
Direct CAC
$487
-3.2%
ISO CAC
$2,140
+1.8%
Direct LTV/CAC
8.4x
+0.3
ISO Performance · Top 5
By funded volume — trailing 90 days| ISO | Tier | Subs | Approval | Funded | Volume | Default |
|---|---|---|---|---|---|---|
Velocity Capital BrokersISO-001 | platinum | 161 | 68% | 89 | $13.7M | 2.0% |
Summit Alliance ISOISO-004 | gold | 129 | 58% | 61 | $5.9M | 10.3% |
Northstar Funding CoISO-008 | silver | 54 | 48% | 21 | $3.8M | 13.6% |
Meridian Commercial PartnersISO-002 | gold | 69 | 58% | 33 | $3.3M | 3.0% |
Prime Source FinanceISO-006 | silver | 43 | 49% | 17 | $2.8M | 9.8% |
Acquisition Pipeline
Direct-to-merchant engine · live statusUCC filings ingested
across 47 states · last sync 2h ago
47,208
Prospects scored 80+
high-intent, actively eligible
2,412
In active campaigns
multi-touch sequence running
1,864
Applications in-flight
30-day rolling · 68% self-serve
284
Funded via direct channel
30-day · $4.8M volume · 40% margin
112
Renewal candidates
70%+ paid down · $842K offered
48