Cedar Street Bakery LLCdba Cedar Bakery· DEMO-1009submitted

Deal

Funded

$18,500.00

Payback

$25,160.00

Collected

$0.00

Outstanding

$25,160.00

Paid in

Merchant: Cedar Street Bakery LLC Google
Product: MCA
Funder: Summit Funding
ISO: Atlas Brokers
Factor / Buy: 1.36 / 1.3
Funded / Payback: $18,500.00 / $25,160.00
Net to merchant: $18,500.00 = funded $18,500.00 − bank fee $0.00
True cost: $20,350.00 = funded $18,500.00 − bank fee $0.00 + commission $1,850.00
Cost recovery: $20,350.00 to go collected $0.00 of cost $20,350.00
Fees: -
Schedule: -
Underwriter: -
Term (days): 110
Position: -
Funded at: -

Outstanding stips: proof of A/R Aging Report, Driver License still needed — 2 mandatory items block contracts and funding.

This owner has other businesses in the system: Summit Fitness Studios (matched on owner name; 1 deal)

Funding checklist

✋ items marked gate block the FUNDED transition (each gate is a company setting).

✗Commercial-financing disclosurenone delivered (native engine or third-party ingest)
✗Contracts signedno completed signature package
✗Mandatory stips completegate2 open: A/R Aging Report, Driver License
✗Sanctions screeningnot screened (UNSCREENED rows don't count)
✗Merchant bank verifiedno bank link, vaulted account, or statements
✗ISO onboarded (Atlas Brokers)missing signed agreement, ID, voided check, W-9 — commission will be held (gate on)

Bank data & cash flow

No bank data yet — the underwriting score is running without cash-flow metrics.

Statement analysis

nothing received yet

The 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

Summit FundingSubmittedsubmitted 05/10/2026

Commission

ISO: Atlas Brokers
Offer: Standard origination (PERCENT_OF_FUNDED 10)
Gross: $1,850.00
ISO Rep: -
ISO net: $1,850.00

Stipulations

Bank StatementsmandatoryCompleted
A/R Aging ReportmandatoryPending
Driver LicensemandatoryUnder Review

Participation

No syndicators on this deal.

Economics — bank fee & profit split

Cost of deal $1,850.00 · total profit $4,810.00. Rules are configurable in Settings → Capital & fees.

Participant	Funded	Bank fee	Mgmt fee	True cost	Profit
House	$18,500.00	$0.00	$0.00	$20,350.00	$4,810.00

Payments

No payments.

Reconciliation · balanced

Collected $0.00 of $25,160.00 · outstanding $25,160.00

Documents

No active templates. Create one under Settings → Document templates.

Contracts

Nothing sent for signature yet.

Communications

No emails on this deal yet. Replies in a thread already here attach on their own; use Link an email for a stray.

Contacts

Pat Garcia · Owner · owner@cedarbakery.example · 100% · guarantor · primary

Audit trail

No activity.