ATOM // PORTFOLIO // M-20043
Evergreen Trucking & Sons
Rebecca Hernandez · Bakersfield, CA · Grocery — Independent
Status
renewed
Advance
$156,548
Factor
1.445
Payback
$226,212
Collected
$223,950
Balance
$2,262
Term
154d · daily
Paydown
Merchant Profile
Merchant IDM-20043
Channeliso
ISOISO-014
FundedJul 17, 2025
Phone(712) 791-7699
Emailaccounts+43@example.com
NAICS445110
Industry riskstandard
Positions (active)2
Owner FICO642
Monthly revenue$363,788
DDI (health)97 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$16,536
ADB
$65,482
NSF 90d
3
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $223,950 · Remaining $2,262
Communication Log
SMS · OUT
Payment reminder · $2,098 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 $156,548
2025-07-17
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Jul 17, 2025
SIGNED
Personal Guarantee
Jul 17, 2025
SIGNED
ACH Authorization
Jul 17, 2025
SIGNED
CA State Disclosure
Jul 17, 2025
SIGNED
UCC-1 filing receipt
Jul 17, 2025
SIGNED
Bank statements (90d)
Jul 17, 2025
SIGNED
Government ID
Jul 17, 2025
SIGNED
Voided check
Jul 17, 2025