ATOM // PORTFOLIO // M-20033
Lakeside Electric Co.
Michael Ivanov · Montgomery, AL · Grocery — Independent
Status
performing
Advance
$435,956
Factor
1.416
Payback
$617,314
Collected
$557,165
Balance
$60,149
Term
195d · daily
Paydown
Merchant Profile
Merchant IDM-20033
Channeldirect
FundedOct 24, 2025
Phone(901) 854-3442
Emailaccounts+33@example.com
NAICS445110
Industry riskstandard
Positions (active)2
Owner FICO665
Monthly revenue$959,468
DDI (health)64 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$43,612
ADB
$172,704
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 90%. Pre-approved for $544,945 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 83Retrying · 3Returned · 4Collected $557,165 · Remaining $60,149
Communication Log
SMS · OUT
Payment reminder · $4,522 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 $435,956
2025-10-24
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Oct 24, 2025
SIGNED
Personal Guarantee
Oct 24, 2025
SIGNED
ACH Authorization
Oct 24, 2025
SIGNED
AL State Disclosure
Oct 24, 2025
SIGNED
UCC-1 filing receipt
Oct 24, 2025
SIGNED
Bank statements (90d)
Oct 24, 2025
SIGNED
Government ID
Oct 24, 2025
SIGNED
Voided check
Oct 24, 2025