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Deals

Cedar Street Bakery LLCdba Cedar Bakery· DEMO-1006Defaulted

Deal

Funded
$60,000.00
Payback
$78,000.00
Collected
$9,866.78
Outstanding
$68,133.22
Paid in
13%
Collected $9,866.78Cost of deal $66,000.00 — $56,133.22 to go
Merchant
Cedar Street Bakery LLC Google
Product
MCA
Funder
North Peak Capital
ISO
Atlas Brokers
Factor / Buy
1.30 / 1.24
Funded / Payback
$60,000.00 / $78,000.00
Net to merchant
$60,000.00Funded $60,000.00 − bank fee $0.00.
True cost
$66,000.00 incl. ISO commission $6,000.00Cash out the door to put the deal on: funded $60,000.00 − bank fee $0.00 + commission $6,000.00.
Cost recovery
$56,133.22 to goCollected $9,866.78 of cost $66,000.00.
Merchant fees
—
Schedule
$433.34/payment · 180 payments · first 09/24/2026 · payoff 06/14/2027
Underwriter
—
Term (business days)
180
Position
2
Funded at
09/23/2026
Funded via
not set — set it in Edit deal
Sending cost
—

Funding checklist

✋ items marked gate stop the deal from being marked funded (each gate is a company setting).

  • ✓Commercial-financing disclosuredelivered/signed on file
  • ✓Contracts signed1 completed package(s)
  • ✓Mandatory stips completeall mandatory stips completed or waived (optional stips never block)
  • ✓Sanctions screeningscreened, no unresolved hits
  • ✓Merchant bank verifiedbank account on file
  • ✓ISO onboarded (Atlas Brokers)complete

Contract details

See every field this deal fills

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.

Cedar Street Bakery LLCMerchantSigners own 100%
  1. Pat Garcia for Cedar Street Bakery LLC

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
$24,000
Avg daily balance
$1,440
NSFs
3
Negative days
5
Probable positions
1
Deposits
44
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

696 · Experian · pulled 09/10/2026
Stacking1 reported position in DataMerch · checked 09/10/2026

NY court judgments

Not checked.

Submissions to outside funders

North Peak CapitalFundedsubmitted 09/10/2026
factor 1.3 · $60,000.00 → $78,000.00 · 180d

Commission

ISO
Atlas Brokers
Offer
Standard origination (10% of funded)
Gross
$6,000.00
Commission Rep
—
ISO net
$6,000.00

Stipulations

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

Participation

Allocated to syndicators
$24,000.00
Of $60,000.00 funded.
House share
$36,000.00
Funded amount minus what syndicators hold.

Economics — bank fee & profit split

ISO commission
$6,000.00
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
$12,000.00
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 $9,866.78 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$36,000.00$0.00$0.00$42,000.00$9,600.00$6,527.25
Sterling Investors · syndicator$24,000.00$0.00$0.00$24,000.00$2,400.00
50% of slice
$3,339.53
Total$60,000.00$0.00$0.00$66,000.00$12,000.00$9,866.78

Fees

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

No fees added after funding.

Payback
$78,000.00
Unpaid add-on fees
$0.00
Total owed
$78,000.00

Payments

Download CSVStatement PDF

17 cleared · 9 returned · 154 pending of 180 pulls · 1 paid outside the schedule · 4 overdue ($1,733.36) · next pull 11/06/2026 $433.34 · balance $68,133.22 · defaulted

TypeAmountSyndicatorNoteStatusDateHistory and actions
Original advance payback· from merchant· via Schedule$433.34PENDING06/14/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/11/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/10/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/09/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/08/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/07/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/04/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/03/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/02/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING06/01/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/28/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/27/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/26/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/25/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/24/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/21/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/20/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/19/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/18/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/17/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/14/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/13/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/12/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/11/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/10/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/07/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/06/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/05/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/04/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING05/03/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/30/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/29/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/28/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/27/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/26/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/23/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/22/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/21/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/20/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/19/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/16/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/15/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/14/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/13/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/12/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/09/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/08/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/07/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/06/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/05/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/02/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING04/01/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/31/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/30/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/29/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/26/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/25/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/24/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/23/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/22/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/19/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/18/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/17/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/16/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/15/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/12/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/11/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/10/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/09/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/08/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/05/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/04/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/03/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/02/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING03/01/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/26/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/25/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/24/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/23/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/22/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/19/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/18/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/17/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/16/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/12/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/11/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/10/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/09/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/08/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/05/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/04/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/03/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/02/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING02/01/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/29/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/28/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/27/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/26/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/25/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/22/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/21/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/20/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/19/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/15/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/14/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/13/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/12/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/11/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/08/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/07/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/06/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/05/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING01/04/2027history
Original advance payback· from merchant· via Schedule$433.34PENDING12/31/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/30/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/29/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/28/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/24/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/23/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/22/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/21/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/18/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/17/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/16/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/15/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/14/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/11/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/10/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/09/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/08/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/07/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/04/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/03/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/02/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING12/01/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/30/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/27/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/25/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/24/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/23/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/20/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/19/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/18/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/17/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/16/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/13/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/12/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/10/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/09/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/06/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/05/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/04/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/03/2026history
Original advance payback· from merchant· via Schedule$433.34PENDING11/02/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/30/2026history
Advance payback· from merchantHouse $1,653.84 · Sterling Investors $846.16$2,500.00Payment plan installment via counselPAID10/29/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/29/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/28/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/27/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/26/2026history
Participation payout· paid to partner$2,493.37Sterling InvestorsPAID10/23/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/23/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/22/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/21/2026history
Original advance payback· from merchant· via Schedule$433.34BOUNCED
10/20/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/19/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/16/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/15/2026history
Original advance payback· from merchant· via ScheduleHouse $286.68 · Sterling Investors $146.66$433.34PAID10/14/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/13/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/09/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/08/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/07/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/06/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/05/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/02/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID10/01/2026history
Original advance payback· from merchant· via ScheduleHouse $286.68 · Sterling Investors $146.66$433.34PAID09/30/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID09/29/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID09/28/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID09/25/2026history
Original advance payback· from merchant· via ScheduleHouse $286.67 · Sterling Investors $146.67$433.34PAID09/24/2026history

Reconciliation · ledger ties out

Collected $9,866.78 of $78,000.00 · outstanding $68,133.22

  • Sterling Investors: share $3,946.71 − paid $2,493.37 = owe $1,453.34

Documents

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Contracts (1)

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

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

Audit trail

  • 10/21/2026 16:00 · State change: Funded → Defaulted · Defaulted at: – → 10/21/2026

Danger zone