Metro HVAC· DEMO-1002fundedin the clear
Deal
Change stage:
- Merchant
- Metro HVAC Google
- Product
- MCA
- Funder
- Harbor Capital
- ISO
- Keystone Partners
- Factor / Buy
- 1.32 / 1.26
- Funded / Payback
- $120,000.00 / $158,400.00
- Net to merchant
- $120,000.00 = funded $120,000.00 − bank fee $0.00
- True cost
- $133,800.00 = funded $120,000.00 − bank fee $0.00 + commission $13,800.00
- Cost recovery
- ✓ In the clear collected $158,400.00 ≥ cost $133,800.00 — everything from here is profit
- Fees
- -
- Schedule
- -
- Underwriter
- -
- Term (days)
- 180
- Position
- 3
- Funded at
- 06/12/2026
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
Harbor Capitalsubmitted 06/02/2026
factor 1.32 · $120,000.00 → $158,400.00 · 180daccepted
Commission
- ISO
- Keystone Partners
- Offer
- Standard origination (PERCENT_OF_FUNDED 11.5)
- Gross
- $13,800.00
- ISO Rep
- -
- ISO net
- $13,800.00
Stipulations
🔒 Stips are locked — the deal is funded.
- Bank StatementsmandatoryCompleted
- A/R Aging ReportmandatoryCompleted
- Driver LicenseoptionalUnder Review
Participation
- Cobalt Partners · $48,000.00 · 40%
Allocated $48,000.00 of $120,000.00 · House $72,000.00
Economics — bank fee & profit split
Cost of deal $13,800.00 · total profit $24,600.00. Rules are configurable in Settings → Capital & fees.
| Participant | Funded | Bank fee | Mgmt fee | True cost | Profit |
|---|---|---|---|---|---|
| House | $72,000.00 | $0.00 | $0.00 | $85,800.00 | $19,680.00 |
| Cobalt Partners · syndicator | $48,000.00 | $0.00 | $-0.00 | $48,000.00 | $4,920.00 |
Payments
| $63,360.00 | Cobalt Partners | 07/16/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/25/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/21/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/17/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/13/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/09/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/05/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 07/01/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 06/27/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 06/23/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 06/19/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 06/15/2026 | |||
split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | 06/11/2026 |
Reconciliation · balanced
Collected $158,400.00 of $158,400.00 · outstanding $0.00
- Cobalt Partners: share $63,360.00 − paid $63,360.00 = owe $0.00
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
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