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-20028

Royal Jewelers

James Wagner · Tucson, AZ · Commercial Construction
Status
performing
Advance
$59,771
Factor
1.308
Payback
$78,180
Collected
$48,509
Balance
$29,671
Term
166d · weekly
Paydown
62%

Merchant Profile

Merchant IDM-20028
Channeliso
ISOISO-009
FundedJan 5, 2026
Phone(860) 766-8873
Emailaccounts+28@example.com
NAICS236220
Industry riskelevated
Positions (active)3
Owner FICO770
Monthly revenue$223,595
DDI (health)63 / 100

Deposit Health · 30 Day

Pulled via Plaid · continuous monitoring
Deposits 30d
68
Avg daily dep
$10,163
ADB
$40,247
NSF 90d
1

Payment History

Every ACH pull · 90 days shown
Success · 84Retrying · 2Returned · 4Collected $48,509 · Remaining $29,671

Communication Log

SMS · OUT
Payment reminder · $3,297 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 $59,771
2026-01-05

Documents & Audit Trail

Signed contracts, disclosures, statements
SIGNED
MCA Agreement · signed
Jan 5, 2026
SIGNED
Personal Guarantee
Jan 5, 2026
SIGNED
ACH Authorization
Jan 5, 2026
SIGNED
AZ State Disclosure
Jan 5, 2026
SIGNED
UCC-1 filing receipt
Jan 5, 2026
SIGNED
Bank statements (90d)
Jan 5, 2026
SIGNED
Government ID
Jan 5, 2026
SIGNED
Voided check
Jan 5, 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