ATOM // PORTFOLIO // M-20020
Sunset Bistro Holdings
Stephanie Thompson · Duluth, MN · Full-Service Restaurants
Status
performing
Advance
$110,395
Factor
1.236
Payback
$136,448
Collected
$31,153
Balance
$105,295
Term
219d · daily
Paydown
Merchant Profile
Merchant IDM-20020
Channeliso
ISOISO-016
FundedFeb 27, 2026
Phone(233) 550-7948
Emailaccounts+20@example.com
NAICS722511
Industry riskstandard
Positions (active)2
Owner FICO720
Monthly revenue$459,429
DDI (health)96 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$20,883
ADB
$82,697
NSF 90d
1
Payment History
Every ACH pull · 50 days shownSuccess · 47Retrying · 2Returned · 1Collected $31,153 · Remaining $105,295
Communication Log
SMS · OUT
Payment reminder · $890 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 $110,395
2026-02-27
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Feb 27, 2026
SIGNED
Personal Guarantee
Feb 27, 2026
SIGNED
ACH Authorization
Feb 27, 2026
SIGNED
MN State Disclosure
Feb 27, 2026
SIGNED
UCC-1 filing receipt
Feb 27, 2026
SIGNED
Bank statements (90d)
Feb 27, 2026
SIGNED
Government ID
Feb 27, 2026
SIGNED
Voided check
Feb 27, 2026