Metro HVAC Services Incdba Metro HVAC· DEMO-1013defaultedin the clear
Deal
Funded
$90,000.00
Payback
$117,000.00
Collected
$107,250.00
Outstanding
$9,750.00
Paid in
92%
- Merchant
- Metro HVAC Services Inc 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
- ✓ In the clear collected $107,250.00 ≥ cost $99,000.00 — everything from here is profit
- Fees
- -
- Schedule
- -
- Underwriter
- -
- Term (days)
- 180
- Position
- -
- Funded at
- 06/01/2026
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 completegate1 open: 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 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
North Peak CapitalFinal Reviewsubmitted 05/22/2026
factor 1.3 · $90,000.00 → $117,000.00 · 180d
Commission
- ISO
- Atlas Brokers
- Offer
- Standard origination (PERCENT_OF_FUNDED 10)
- Gross
- $9,000.00
- ISO Rep
- -
- ISO net
- $9,000.00
Stipulations
- Bank StatementsmandatoryCompleted
- A/R Aging ReportmandatoryCompleted
- Driver LicensemandatoryUnder Review
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
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 06/11/2026 | ||
| Advance payback | $9,750.00 | BOUNCED | 06/07/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 06/03/2026 | ||
| Participation payout | $42,900.00 | Sterling Investors | PAID | 06/02/2026 | |
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/30/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/26/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/22/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/18/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/14/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/10/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/06/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 05/02/2026 | ||
| Advance payback split: House $6,450.00 · Sterling Investors $3,300.00 | $9,750.00 | PAID | 04/28/2026 |
Reconciliation · balanced
Collected $107,250.00 of $117,000.00 · outstanding $9,750.00
- Sterling Investors: share $42,900.00 − paid $42,900.00 = owe $0.00
Documents
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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
- Casey Patel · Owner · owner@metrohvac.example · 100% · guarantor · primary
Audit trail
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