ATOM // PORTFOLIO // M-20042
Pacific Express Holdings
Maria Young · Chicago, IL · Plumbing, HVAC Contractors
Status
slow pay
Advance
$348,271
Factor
1.322
Payback
$460,414
Collected
$424,708
Balance
$35,706
Term
245d · weekly
Paydown
Merchant Profile
Merchant IDM-20042
Channeliso
ISOISO-017
FundedSep 4, 2025
Phone(963) 613-6271
Emailaccounts+42@example.com
NAICS238220
Industry riskelevated
Positions (active)2
Owner FICO764
Monthly revenue$1,241,643
DDI (health)51 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$56,438
ADB
$223,496
NSF 90d
1
⚡ Renewal opportunity detectedScore 61 / 100
Merchant has paid down 92%. Pre-approved for $435,339 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 2Returned · 4Collected $424,708 · Remaining $35,706
Communication Log
SMS · OUT
Payment reminder · $13,155 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 $348,271
2025-09-04
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Sep 4, 2025
SIGNED
Personal Guarantee
Sep 4, 2025
SIGNED
ACH Authorization
Sep 4, 2025
SIGNED
IL State Disclosure
Sep 4, 2025
SIGNED
UCC-1 filing receipt
Sep 4, 2025
SIGNED
Bank statements (90d)
Sep 4, 2025
SIGNED
Government ID
Sep 4, 2025
SIGNED
Voided check
Sep 4, 2025