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-20037

Ironclad Apparel

Amanda Sanders · Greenville, SC · Tax Prep Services
Status
slow pay
Advance
$222,702
Factor
1.430
Payback
$318,464
Collected
$208,094
Balance
$110,370
Term
277d · daily
Paydown
65%

Merchant Profile

Merchant IDM-20037
Channeliso
ISOISO-008
FundedOct 19, 2025
Phone(920) 558-5187
Emailaccounts+37@example.com
NAICS541213
Industry risklow
Positions (active)2
Owner FICO691
Monthly revenue$545,087
DDI (health)72 / 100

Deposit Health · 30 Day

Pulled via Plaid · continuous monitoring
Deposits 30d
68
Avg daily dep
$24,777
ADB
$98,116
NSF 90d
3

Payment History

Every ACH pull · 90 days shown
Success · 83Retrying · 3Returned · 4Collected $208,094 · Remaining $110,370

Communication Log

SMS · OUT
Payment reminder · $1,642 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 $222,702
2025-10-19

Documents & Audit Trail

Signed contracts, disclosures, statements
SIGNED
MCA Agreement · signed
Oct 19, 2025
SIGNED
Personal Guarantee
Oct 19, 2025
SIGNED
ACH Authorization
Oct 19, 2025
SIGNED
SC State Disclosure
Oct 19, 2025
SIGNED
UCC-1 filing receipt
Oct 19, 2025
SIGNED
Bank statements (90d)
Oct 19, 2025
SIGNED
Government ID
Oct 19, 2025
SIGNED
Voided check
Oct 19, 2025
ATOM-01 · v1.4.2-demoRegion: US-EAST-1Runtime: Fluid Compute (Node 24)
Session: 02:14:0347 queries / 312ms avgMemory: 412 MB / 1 GB