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-20052

Stellar Spa Holdings

Priya Khan · Denver, CO · Law Firms
Status
default
Advance
$363,813
Factor
1.237
Payback
$450,037
Collected
$261,986
Balance
$188,051
Term
280d · weekly
Paydown
58%

Merchant Profile

Merchant IDM-20052
Channeliso
ISOISO-007
FundedNov 6, 2025
Phone(708) 255-4877
Emailaccounts+52@example.com
NAICS541110
Industry risklow
Positions (active)1
Owner FICO674
Monthly revenue$726,151
DDI (health)46 / 100

Deposit Health · 30 Day

Pulled via Plaid · continuous monitoring
Deposits 30d
68
Avg daily dep
$33,007
ADB
$130,707
NSF 90d
3

Payment History

Every ACH pull · 90 days shown
Success · 84Retrying · 3Returned · 3Collected $261,986 · Remaining $188,051

Communication Log

SMS · OUT
Payment reminder · $11,251 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 $363,813
2025-11-06

Documents & Audit Trail

Signed contracts, disclosures, statements
SIGNED
MCA Agreement · signed
Nov 6, 2025
SIGNED
Personal Guarantee
Nov 6, 2025
SIGNED
ACH Authorization
Nov 6, 2025
SIGNED
CO State Disclosure
Nov 6, 2025
SIGNED
UCC-1 filing receipt
Nov 6, 2025
SIGNED
Bank statements (90d)
Nov 6, 2025
SIGNED
Government ID
Nov 6, 2025
SIGNED
Voided check
Nov 6, 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