ATOM // PORTFOLIO // M-20022
North Star Boutique & Sons
Vanessa Reyes · Boston, MA · Full-Service Restaurants
Status
slow pay
Advance
$210,089
Factor
1.229
Payback
$258,199
Collected
$219,880
Balance
$38,319
Term
283d · daily
Paydown
Merchant Profile
Merchant IDM-20022
Channeldirect
FundedAug 20, 2025
Phone(467) 927-8158
Emailaccounts+22@example.com
NAICS722511
Industry riskstandard
Positions (active)2
Owner FICO640
Monthly revenue$474,464
DDI (health)71 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$21,567
ADB
$85,404
NSF 90d
3
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 2Returned · 4Collected $219,880 · Remaining $38,319
Communication Log
SMS · OUT
Payment reminder · $1,303 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 $210,089
2025-08-20
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Aug 20, 2025
SIGNED
Personal Guarantee
Aug 20, 2025
SIGNED
ACH Authorization
Aug 20, 2025
SIGNED
MA State Disclosure
Aug 20, 2025
SIGNED
UCC-1 filing receipt
Aug 20, 2025
SIGNED
Bank statements (90d)
Aug 20, 2025
SIGNED
Government ID
Aug 20, 2025
SIGNED
Voided check
Aug 20, 2025