ATOM // PORTFOLIO // M-20048
Pacific Garage & Sons
Raj Torres · Hartford, CT · Gas Stations & C-Stores
Status
slow pay
Advance
$299,545
Factor
1.224
Payback
$366,643
Collected
$153,025
Balance
$213,618
Term
357d · daily
Paydown
Merchant Profile
Merchant IDM-20048
Channeliso
ISOISO-001
FundedNov 20, 2025
Phone(727) 586-5087
Emailaccounts+48@example.com
NAICS447110
Industry riskstandard
Positions (active)1
Owner FICO579
Monthly revenue$460,497
DDI (health)53 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$20,932
ADB
$82,889
NSF 90d
1
Payment History
Every ACH pull · 90 days shownSuccess · 83Retrying · 3Returned · 4Collected $153,025 · Remaining $213,618
Communication Log
SMS · OUT
Payment reminder · $1,467 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 $299,545
2025-11-20
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Nov 20, 2025
SIGNED
Personal Guarantee
Nov 20, 2025
SIGNED
ACH Authorization
Nov 20, 2025
SIGNED
CT State Disclosure
Nov 20, 2025
SIGNED
UCC-1 filing receipt
Nov 20, 2025
SIGNED
Bank statements (90d)
Nov 20, 2025
SIGNED
Government ID
Nov 20, 2025
SIGNED
Voided check
Nov 20, 2025