ATOM // PORTFOLIO // M-20030
Central Construction
Vanessa Bennett · Birmingham, AL · Local Freight Trucking
Status
renewed
Advance
$122,732
Factor
1.318
Payback
$161,761
Collected
$160,143
Balance
$1,618
Term
133d · weekly
Paydown
Merchant Profile
Merchant IDM-20030
Channeldirect
FundedAug 10, 2025
Phone(203) 228-5165
Emailaccounts+30@example.com
NAICS484110
Industry riskelevated
Positions (active)3
Owner FICO757
Monthly revenue$341,670
DDI (health)72 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$15,530
ADB
$61,501
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 99%. Pre-approved for $153,415 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $160,143 · Remaining $1,618
Communication Log
SMS · OUT
Payment reminder · $8,514 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 $122,732
2025-08-10
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Aug 10, 2025
SIGNED
Personal Guarantee
Aug 10, 2025
SIGNED
ACH Authorization
Aug 10, 2025
SIGNED
AL State Disclosure
Aug 10, 2025
SIGNED
UCC-1 filing receipt
Aug 10, 2025
SIGNED
Bank statements (90d)
Aug 10, 2025
SIGNED
Government ID
Aug 10, 2025
SIGNED
Voided check
Aug 10, 2025