Metro HVAC· DEMO-1013defaulted
Deal
Change stage:
- Merchant
- Metro HVAC Google
- Product
- MCA
- Funder
- North Peak Capital
- ISO
- Atlas Brokers
- Factor / Buy
- 1.3 / 1.24
- Funded / Payback
- $90,000.00 / $117,000.00
- Net to merchant
- $90,000.00 = funded $90,000.00 − bank fee $0.00
- True cost
- $99,000.00 = funded $90,000.00 − bank fee $0.00 + commission $9,000.00
- Cost recovery
- $1,500.00 to go collected $97,500.00 of cost $99,000.00
- Fees
- -
- Schedule
- -
- Underwriter
- -
- Term (days)
- 180
- Position
- 2
- Funded at
- 07/15/2026
Funding checklist
✋ items marked gate block the FUNDED transition (each gate is a company setting).
- ✓Commercial-financing disclosuredelivered/signed on file
- ✓Contracts signed1 completed package(s)
- ✓Mandatory stips completeall mandatory stips completed or waived (optional stips never block)
- ✓Sanctions screeningscreened, no unresolved hits
- ✓Merchant bank verifiedstatements analyzed (no vaulted account yet)
- ✓ISO onboarded (Atlas Brokers)complete
Businesses on this deal
- Metro HVACprimary
Bank data & cash flow
- Monthly revenue
- $36,000
- Avg daily balance
- $2,160
- NSFs
- 3
- Negative days
- 5
- Probable positions
- 1
- Deposits
- 42
- Months covered
- 4
Source: PLAID · as of 2026-08-05 — feeds the decision engine automatically.
Credit
— · DataMerch · pulled 2026-07-09Connect a credit bureau (Experian) in Settings → Integrations to pull in-platform.Stacking2 reported position(s) in DataMerch · checked 2026-07-09Connect DataMerch in Integrations for stacking checks.
Submissions to outside funders
North Peak Capitalsubmitted 07/05/2026
factor 1.3 · $90,000.00 → $117,000.00 · 180daccepted
Commission
- ISO
- Atlas Brokers
- Offer
- Standard origination (PERCENT_OF_FUNDED 10)
- Gross
- $9,000.00
- ISO Rep
- -
- ISO net
- $9,000.00
Stipulations
- Bank Statements
- A/R Aging Report
- Driver License
No upload needed — mark received or waive directly.
Participation
- Sterling Investors · $36,000.00 · 40%
Allocated $36,000.00 of $90,000.00 · House $54,000.00
Economics — bank fee & profit split
Cost of deal $9,000.00 · total profit $18,000.00. Rules are configurable in Settings → Capital & fees.
| Participant | Funded | Bank fee | Mgmt fee | True cost | Profit |
|---|---|---|---|---|---|
| House | $54,000.00 | $0.00 | $0.00 | $63,000.00 | $14,400.00 |
| Sterling Investors · syndicator | $36,000.00 | $0.00 | $-0.00 | $36,000.00 | $3,600.00 |
Payments
| $42,900.00 | Sterling Investors | 07/16/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 07/25/2026 | |||
| $9,750.00 | 07/21/2026 | ||||
| $9,750.00 | 07/17/2026 | ||||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 07/13/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 07/09/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 07/05/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 07/01/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 06/27/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 06/23/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 06/19/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 06/15/2026 | |||
split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | 06/11/2026 |
Reconciliation · balanced
Collected $97,500.00 of $117,000.00 · outstanding $19,500.00
- Sterling Investors: share $39,000.00 − paid $42,900.00 = owe $-3,900.00
Documents
- signed-agreement.pdf · Contract · 2026-08-05
- voided-check.pdf · Voided Check · 2026-08-05
- bank-statements-q2.pdf · Bank Statements · 2026-08-05
No active templates. Create one under Settings → Document templates.
Contacts
- Casey Patel · Owner · owner@metrohvac.example · 100% · guarantor · primary
Audit trail
No activity.