ATOM // PORTFOLIO // M-20027
Ironclad Wholesale Co.
Rebecca Mitchell · Richmond, VA · Grocery — Independent
Status
performing
Advance
$214,187
Factor
1.317
Payback
$282,084
Collected
$184,687
Balance
$97,397
Term
307d · daily
Paydown
Merchant Profile
Merchant IDM-20027
Channeliso
ISOISO-005
FundedSep 29, 2025
Phone(858) 277-1497
Emailaccounts+27@example.com
NAICS445110
Industry riskstandard
Positions (active)3
Owner FICO747
Monthly revenue$880,698
DDI (health)87 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$40,032
ADB
$158,526
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 65%. Pre-approved for $267,734 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $184,687 · Remaining $97,397
Communication Log
SMS · OUT
Payment reminder · $1,313 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 $214,187
2025-09-29
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Sep 29, 2025
SIGNED
Personal Guarantee
Sep 29, 2025
SIGNED
ACH Authorization
Sep 29, 2025
SIGNED
VA State Disclosure
Sep 29, 2025
SIGNED
UCC-1 filing receipt
Sep 29, 2025
SIGNED
Bank statements (90d)
Sep 29, 2025
SIGNED
Government ID
Sep 29, 2025
SIGNED
Voided check
Sep 29, 2025