Status
paid off
Advance
$393,012
Factor
1.249
Payback
$490,872
Collected
$485,963
Balance
$4,909
Term
128d · daily
Paydown
Merchant Profile
Merchant IDM-20059
Channeldirect
FundedDec 4, 2025
Phone(262) 381-2197
Emailaccounts+59@example.com
NAICS451110
Industry riskstandard
Positions (active)2
Owner FICO553
Monthly revenue$1,284,688
DDI (health)50 / 100
Deposit Health · 30 Day
Pulled via Plaid · continuous monitoringDeposits 30d
68
Avg daily dep
$58,395
ADB
$231,244
NSF 90d
1
⚡ Renewal opportunity detectedScore 100 / 100
Merchant has paid down 99%. Pre-approved for $491,265 at factor 1.32.
Payment History
Every ACH pull · 90 days shownSuccess · 84Retrying · 3Returned · 3Collected $485,963 · Remaining $4,909
Communication Log
SMS · OUT
Payment reminder · $5,478 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 $393,012
2025-12-04
Documents & Audit Trail
Signed contracts, disclosures, statementsSIGNED
MCA Agreement · signed
Dec 4, 2025
SIGNED
Personal Guarantee
Dec 4, 2025
SIGNED
ACH Authorization
Dec 4, 2025
SIGNED
NJ State Disclosure
Dec 4, 2025
SIGNED
UCC-1 filing receipt
Dec 4, 2025
SIGNED
Bank statements (90d)
Dec 4, 2025
SIGNED
Government ID
Dec 4, 2025
SIGNED
Voided check
Dec 4, 2025