Metro HVAC Services Incdba Metro HVAC· DEMO-1002fundedin the clear
Deal
Funded
$120,000.00
Payback
$158,400.00
Collected
$158,400.00
Outstanding
$0.00
Paid in
100%
- Merchant
- Metro HVAC Services Inc 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
- -
- Funded at
- 04/29/2026
Bank data & cash flow
No bank data yet — the underwriting score is running without cash-flow metrics.
Statement analysis
nothing received yetThe statement engine posts its result to /api/v1/statement-analysis with an API key; until it is wired, paste one here.
Credit
No bureau pull on file — the decision engine treats FICO as unknown.StackingNot checked.
NY court judgments
Not checked.Submissions to outside funders
Harbor CapitalFinal Reviewsubmitted 04/19/2026
factor 1.32 · $120,000.00 → $158,400.00 · 180d
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 LicensemandatoryUnder 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
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 06/11/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 06/07/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 06/03/2026 | ||
| Participation payout | $63,360.00 | Cobalt Partners | PAID | 06/02/2026 | |
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/30/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/26/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/22/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/18/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/14/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/10/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/06/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 05/02/2026 | ||
| Advance payback split: House $8,790.00 · Cobalt Partners $4,410.00 | $13,200.00 | PAID | 04/28/2026 |
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
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Contracts
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Communications
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Contacts
- Casey Patel · Owner · owner@metrohvac.example · 100% · guarantor · primary
Audit trail
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