ATOM // PORTFOLIO // M-20013
Oak Painting Holdings
Keisha Rodriguez · Portland, OR · Full-Service Restaurants
Status
performing
Advance
$471,033
Factor
1.429
Payback
$673,106
Collected
$607,507
Balance
$65,599
Term
236d · daily
Paydown
Merchant Profile
Merchant IDM-20013
Channeldirect
FundedSep 17, 2025
Phone(650) 496-1502
Emailaccounts+13@example.com
NAICS722511
Industry riskstandard
Positions (active)3
Owner FICO608
Monthly revenue$903,963
DDI (health)60 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$41,089
ADB
$162,713
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 90%. Pre-approved for $588,791 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $607,507 · Remaining $65,599
Communication Log
SMS · OUT
Payment reminder · $4,074 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 $471,033
2025-09-17
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Sep 17, 2025
SIGNED
Personal Guarantee
Sep 17, 2025
SIGNED
ACH Authorization
Sep 17, 2025
SIGNED
OR State Disclosure
Sep 17, 2025
SIGNED
UCC-1 filing receipt
Sep 17, 2025
SIGNED
Bank statements (90d)
Sep 17, 2025
SIGNED
Government ID
Sep 17, 2025
SIGNED
Voided check
Sep 17, 2025