ATOM // PORTFOLIO // M-20057
Pioneer Motors & Sons
Anthony Hernandez · Louisville, KY · Gas Stations & C-Stores
Status
performing
Advance
$382,584
Factor
1.181
Payback
$451,832
Collected
$175,712
Balance
$276,120
Term
342d · daily
Paydown
Merchant Profile
Merchant IDM-20057
Channeliso
ISOISO-011
FundedDec 6, 2025
Phone(673) 451-5671
Emailaccounts+57@example.com
NAICS447110
Industry riskstandard
Positions (active)3
Owner FICO605
Monthly revenue$1,328,270
DDI (health)92 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$60,376
ADB
$239,089
NSF 90d
1
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $175,712 · Remaining $276,120
Communication Log
SMS · OUT
Payment reminder · $1,887 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 $382,584
2025-12-06
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Dec 6, 2025
SIGNED
Personal Guarantee
Dec 6, 2025
SIGNED
ACH Authorization
Dec 6, 2025
SIGNED
KY State Disclosure
Dec 6, 2025
SIGNED
UCC-1 filing receipt
Dec 6, 2025
SIGNED
Bank statements (90d)
Dec 6, 2025
SIGNED
Government ID
Dec 6, 2025
SIGNED
Voided check
Dec 6, 2025