ATOM // PORTFOLIO // M-20047
Urban Fitness Co.
Keisha Walker · Silver Spring, MD · Plumbing, HVAC Contractors
Status
paid off
Advance
$153,868
Factor
1.229
Payback
$189,104
Collected
$187,213
Balance
$1,891
Term
236d · daily
Paydown
Merchant Profile
Merchant IDM-20047
Channeldirect
FundedJul 24, 2025
Phone(921) 772-5704
Emailaccounts+47@example.com
NAICS238220
Industry riskelevated
Positions (active)2
Owner FICO572
Monthly revenue$534,125
DDI (health)87 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$24,278
ADB
$96,143
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 99%. Pre-approved for $192,335 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $187,213 · Remaining $1,891
Communication Log
SMS · OUT
Payment reminder · $1,145 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 $153,868
2025-07-24
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Jul 24, 2025
SIGNED
Personal Guarantee
Jul 24, 2025
SIGNED
ACH Authorization
Jul 24, 2025
SIGNED
MD State Disclosure
Jul 24, 2025
SIGNED
UCC-1 filing receipt
Jul 24, 2025
SIGNED
Bank statements (90d)
Jul 24, 2025
SIGNED
Government ID
Jul 24, 2025
SIGNED
Voided check
Jul 24, 2025