Status
renewed
Advance
$188,102
Factor
1.299
Payback
$244,344
Collected
$241,901
Balance
$2,443
Term
147d · weekly
Paydown
Merchant Profile
Merchant IDM-20035
Channeldirect
FundedOct 20, 2025
Phone(333) 870-4417
Emailaccounts+35@example.com
NAICS811111
Industry riskstandard
Positions (active)3
Owner FICO657
Monthly revenue$580,561
DDI (health)62 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$26,389
ADB
$104,501
NSF 90d
1
⚡ Renewal opportunity detectedScore 84 / 100
Merchant has paid down 99%. Pre-approved for $235,128 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 83Retrying · 3Returned · 4Collected $241,901 · Remaining $2,443
Communication Log
SMS · OUT
Payment reminder · $11,635 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 $188,102
2025-10-20
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Oct 20, 2025
SIGNED
Personal Guarantee
Oct 20, 2025
SIGNED
ACH Authorization
Oct 20, 2025
SIGNED
CO State Disclosure
Oct 20, 2025
SIGNED
UCC-1 filing receipt
Oct 20, 2025
SIGNED
Bank statements (90d)
Oct 20, 2025
SIGNED
Government ID
Oct 20, 2025
SIGNED
Voided check
Oct 20, 2025