ATOM // PORTFOLIO // M-20007
Village Wholesale Group
Elena Young · Birmingham, AL · Retail — Specialty
Status
default
Advance
$416,019
Factor
1.403
Payback
$583,675
Collected
$209,818
Balance
$373,857
Term
306d · daily
Paydown
Merchant Profile
Merchant IDM-20007
Channeliso
ISOISO-006
FundedDec 29, 2025
Phone(544) 470-5833
Emailaccounts+7@example.com
NAICS453998
Industry riskstandard
Positions (active)3
Owner FICO683
Monthly revenue$1,731,599
DDI (health)90 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$78,709
ADB
$311,688
NSF 90d
3
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $209,818 · Remaining $373,857
Communication Log
SMS · OUT
Payment reminder · $2,725 tomorrow
2026-04-17 14:20
EMAIL · OUT
Statement · April 2026 · PDF attached
2026-04-01 08:00
CALL · IN
Merchant confirmed bank update
2026-03-28 11:04
EMAIL · IN
Re: renewal offer — requested terms
2026-03-15 16:42
SYS · —
Funded $416,019
2025-12-29
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Dec 29, 2025
SIGNED
Personal Guarantee
Dec 29, 2025
SIGNED
ACH Authorization
Dec 29, 2025
SIGNED
AL State Disclosure
Dec 29, 2025
SIGNED
UCC-1 filing receipt
Dec 29, 2025
SIGNED
Bank statements (90d)
Dec 29, 2025
SIGNED
Government ID
Dec 29, 2025
SIGNED
Voided check
Dec 29, 2025