ATOM // PORTFOLIO // M-20029
Phoenix Fitness
Brian Jackson · Allentown, PA · Limited-Service Restaurants
Status
performing
Advance
$26,353
Factor
1.391
Payback
$36,657
Collected
$34,562
Balance
$2,095
Term
140d · weekly
Paydown
Merchant Profile
Merchant IDM-20029
Channeldirect
FundedDec 7, 2025
Phone(667) 601-9586
Emailaccounts+29@example.com
NAICS722513
Industry riskstandard
Positions (active)3
Owner FICO551
Monthly revenue$101,343
DDI (health)96 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$4,607
ADB
$18,242
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 94%. Pre-approved for $32,941 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 83Retrying · 3Returned · 4Collected $34,562 · Remaining $2,095
Communication Log
SMS · OUT
Payment reminder · $1,833 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 $26,353
2025-12-07
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Dec 7, 2025
SIGNED
Personal Guarantee
Dec 7, 2025
SIGNED
ACH Authorization
Dec 7, 2025
SIGNED
PA State Disclosure
Dec 7, 2025
SIGNED
UCC-1 filing receipt
Dec 7, 2025
SIGNED
Bank statements (90d)
Dec 7, 2025
SIGNED
Government ID
Dec 7, 2025
SIGNED
Voided check
Dec 7, 2025