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Deals

Coastal Day Spadba Coastal Spa· DEMO-1003Funded

Deal

Funded
$25,000.00
Payback
$33,750.00
Collected
$9,843.75
Outstanding
$23,906.25
Paid in
29%
Collected $9,843.75Cost of deal $28,250.00 — $18,406.25 to go
Merchant
Coastal Day Spa Google
Product
MCA
Funder
North Peak Capital
ISO
Vanguard ISO
Factor / Buy
1.35 / 1.29
Funded / Payback
$25,000.00 / $33,750.00
Net to merchant
$25,000.00Funded $25,000.00 − bank fee $0.00.
True cost
$28,250.00 incl. ISO commission $3,250.00Cash out the door to put the deal on: funded $25,000.00 − bank fee $0.00 + commission $3,250.00.
Cost recovery
$18,406.25 to goCollected $9,843.75 of cost $28,250.00.
Merchant fees
—
Schedule
$1,406.25/payment · 24 payments · first 09/16/2026 · payoff 02/24/2027
Underwriter
—
Term (business days)
120
Position
1
Funded at
09/15/2026
Funded via
not set — set it in Edit deal
Sending cost
—

Signers, in signing order

The first signs, then the next gets the email. Each signer also signs the personal guaranty. The merchant's signers must own more than 50% between them.

Coastal Day SpaMerchantSigners own 100%
  1. Avery Morales for Coastal Day Spa

Early delivery schedule

Paid within the window (calendar days after funding), the merchant owes the amount instead of the rest of the purchased amount. Leave empty and the contract has no early delivery page.

No early delivery schedule.

Bank data & cash flow

Monthly revenue
$15,000
Avg daily balance
$2,100
NSFs
1
Negative days
0
Probable positions
0
Deposits
41
Months covered
4

Source: Plaid · as of 11/02/2026 — feeds the decision engine automatically.

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

716 · Experian · pulled 09/02/2026
Stackingno DataMerch record · checked 09/02/2026

NY court judgments

Not checked.

Submissions to outside funders

North Peak CapitalFundedsubmitted 09/02/2026
factor 1.35 · $25,000.00 → $33,750.00 · 120d

Commission

ISO
Vanguard ISO
Offer
Standard origination (13% of funded)
Gross
$3,250.00
Commission Rep
—
ISO net
$3,250.00

Stipulations

Stips are locked — the deal is funded.

  • Bank StatementsMandatoryCompleted
  • A/R Aging ReportMandatoryCompleted
  • Driver LicenseOptionalCompleted

Participation

No syndicators on this deal.

Economics — bank fee & profit split

ISO commission
$3,250.00
The cash the house pays to put the deal on. Cost of deal at the top is funded − bank fee + this. Rules are configurable under Settings → Capital & fees.
Total profit
$5,500.00
Payback minus funded amount and ISO commission. The rows below add up to it with the bank fee counted once: a cost-first partner’s bank fee is already inside their Profit (marked “in profit”); everyone else’s is the Bank fee beside it. Settings → Capital & fees holds the rules.
ParticipantFundedBank feeThe share each participant keeps. A cost-first participant’s share is applied as a cost reduction; an as-collected share returns pro-rata with collections; otherwise it is credited at funding.Mgmt feeTrue costFunded share + fronted commission − bank-fee share (if entitled). The house row also nets the bank fee it keeps from participants outside the split, so the column totals to Cost of deal.ProfitReturnedEach participant’s share of the $9,843.75 cleared so far: capital, commission recovered and profit, net of management fee. The bank-fee credit is taken at funding, so it is not in here. The column totals to what has been collected.
House$25,000.00$0.00$0.00$28,250.00$5,500.00$9,843.75
Total$25,000.00$0.00$0.00$28,250.00$5,500.00$9,843.75

Fees

Add-on fees are owed on top of the payback — they never change it.

No fees added after funding.

Payback
$33,750.00
Unpaid add-on fees
$0.00
Total owed
$33,750.00

Payments

Download CSVStatement PDF

7 cleared · 17 pending of 24 pulls · 1 overdue ($1,406.25) · next pull 11/12/2026 $1,406.25 · balance $23,906.25 · projected payoff 02/24/2027

TypeAmountSyndicatorNoteStatusDateHistory and actions
Original advance payback· from merchant· via Schedule$1,406.25PENDING02/24/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING02/17/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING02/10/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING02/03/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING01/27/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING01/20/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING01/13/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING01/06/2027history
Original advance payback· from merchant· via Schedule$1,406.25PENDING12/30/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING12/23/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING12/16/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING12/09/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING12/02/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING11/25/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING11/18/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING11/12/2026history
Original advance payback· from merchant· via Schedule$1,406.25PENDING11/04/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID10/28/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID10/21/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID10/14/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID10/07/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID09/30/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID09/23/2026history
Original advance payback· from merchant· via ScheduleHouse $1,406.25$1,406.25PAID09/16/2026history

Reconciliation · ledger ties out

Collected $9,843.75 of $33,750.00 · outstanding $23,906.25

Documents

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

Contracts (1)

  • Package · Closing package — DEMO-1003 · CompletedMCA Agreement — Coastal Day SpaCompletedcompleted 09/13/2026 · by Alex Reyes · in orderAvery · signedAlex · signed

Communications

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

Assigned staffStaff who work this deal, whatever its ISO. A staff user who sees only assigned records sees the deals they are on.

No staff assigned.

Contacts

  • Avery Morales · Owner · owner@coastalspa.example · 100% · guarantor · primary

Audit trail

No activity.

Danger zone