K
Live
ACH: ONLINEPLAID: ONLINEUCC: SYNC 2h
>
USER: CC-01SYS OK
PORTFOLIO$12.47M 0.84%·DEPLOYED MTD$3.21M 1.12%·COLLECT RATE94.3% 0.20pp·DEFAULT RATE3.8% 0.15pp·AVG FACTOR1.34 0.01·APPROVAL RATE51.2% 1.80pp·PROSPECT DB46,208 412.00·UCC FEED47 STATES 0.00·ACH RETURN2.1% 0.10pp·RENEWAL $$842K 4.10%·ISO PIPE$6.4M 0.60%·DIRECT CAC$487 3.20%·LTV/CAC8.4x 0.30·DSCR AVG1.42 0.02·PLAID CONN1,204 18.00·PORTFOLIO$12.47M 0.84%·DEPLOYED MTD$3.21M 1.12%·COLLECT RATE94.3% 0.20pp·DEFAULT RATE3.8% 0.15pp·AVG FACTOR1.34 0.01·APPROVAL RATE51.2% 1.80pp·PROSPECT DB46,208 412.00·UCC FEED47 STATES 0.00·ACH RETURN2.1% 0.10pp·RENEWAL $$842K 4.10%·ISO PIPE$6.4M 0.60%·DIRECT CAC$487 3.20%·LTV/CAC8.4x 0.30·DSCR AVG1.42 0.02·PLAID CONN1,204 18.00·
ATOM // PORTFOLIO // M-20018

Maple Spa

James Chen · Oklahoma City, OK · Gas Stations & C-Stores
Status
slow pay
Advance
$266,550
Factor
1.403
Payback
$373,970
Collected
$204,167
Balance
$169,803
Term
185d · weekly
Paydown
55%

Merchant Profile

Merchant IDM-20018
Channeliso
ISOISO-013
FundedJan 7, 2026
Phone(400) 786-1004
Emailaccounts+18@example.com
NAICS447110
Industry riskstandard
Positions (active)1
Owner FICO785
Monthly revenue$765,297
DDI (health)96 / 100

Deposit Health · 30 Day

Pulled via Plaid · continuous monitoring
Deposits 30d
68
Avg daily dep
$34,786
ADB
$137,753
NSF 90d
3

Payment History

Every ACH pull · 90 days shown
Success · 84Retrying · 2Returned · 4Collected $204,167 · Remaining $169,803

Communication Log

SMS · OUT
Payment reminder · $14,150 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 $266,550
2026-01-07

Documents & Audit Trail

Signed contracts, disclosures, statements
SIGNED
MCA Agreement · signed
Jan 7, 2026
SIGNED
Personal Guarantee
Jan 7, 2026
SIGNED
ACH Authorization
Jan 7, 2026
SIGNED
OK State Disclosure
Jan 7, 2026
SIGNED
UCC-1 filing receipt
Jan 7, 2026
SIGNED
Bank statements (90d)
Jan 7, 2026
SIGNED
Government ID
Jan 7, 2026
SIGNED
Voided check
Jan 7, 2026
ATOM-01 · v1.4.2-demoRegion: US-EAST-1Runtime: Fluid Compute (Node 24)
Session: 02:14:0347 queries / 312ms avgMemory: 412 MB / 1 GB