ATOM // PORTFOLIO // M-20023
North Star Hardware Group
Wei Nakamura · Stamford, CT · Plumbing, HVAC Contractors
Status
delinquent
Advance
$384,107
Factor
1.382
Payback
$530,836
Collected
$366,901
Balance
$163,935
Term
272d · daily
Paydown
Merchant Profile
Merchant IDM-20023
Channeldirect
FundedOct 12, 2025
Phone(603) 540-9494
Emailaccounts+23@example.com
NAICS238220
Industry riskelevated
Positions (active)3
Owner FICO577
Monthly revenue$1,258,438
DDI (health)57 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$57,202
ADB
$226,519
NSF 90d
3
Payment History
Every ACH pull · 90 days shownSuccess · 83Retrying · 3Returned · 4Collected $366,901 · Remaining $163,935
Communication Log
SMS · OUT
Payment reminder · $2,788 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 $384,107
2025-10-12
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Oct 12, 2025
SIGNED
Personal Guarantee
Oct 12, 2025
SIGNED
ACH Authorization
Oct 12, 2025
SIGNED
CT State Disclosure
Oct 12, 2025
SIGNED
UCC-1 filing receipt
Oct 12, 2025
SIGNED
Bank statements (90d)
Oct 12, 2025
SIGNED
Government ID
Oct 12, 2025
SIGNED
Voided check
Oct 12, 2025