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Deals

Metro HVAC Services Incdba Metro HVAC· DEMO-1009Submitted

Deal

Funded
$18,500.00
Payback
$25,160.00
Collected
$0.00
Outstanding
$25,160.00
Paid in
0%
Collected $0.00Cost of deal $20,627.50 — $20,627.50 to go
Merchant
Metro HVAC Services Inc Google
Product
MCA
Funder
—
ISO
Keystone Partners
Factor / Buy
1.36 / 1.30
Funded / Payback
$18,500.00 / $25,160.00
Net to merchant
$18,500.00Funded $18,500.00 − bank fee $0.00.
True cost
$20,627.50 incl. ISO commission $2,127.50Cash out the door to put the deal on: funded $18,500.00 − bank fee $0.00 + commission $2,127.50.
Cost recovery
$20,627.50 to goCollected $0.00 of cost $20,627.50.
Merchant fees
—
Schedule
$1,143.64/payment · 22 payments
Underwriter
—
Term (business days)
110
Position
2
Funded at
—
Outstanding stips: proof of A/R Aging Report still needed — 1 mandatory item blocks contracts and funding.

Funding checklist

✋ items marked gate stop the deal from being marked funded (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: A/R Aging Report
  • ✓Sanctions screeningscreened, no unresolved hits
  • ✓Merchant bank verifiedbank account on file
  • ✓ISO onboarded (Keystone Partners)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.

Metro HVAC Services IncMerchantSigners own 100%
  1. Casey Patel for Metro HVAC Services Inc

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
$12,109
Avg daily balance
$727
NSFs
3
Negative days
5
Probable positions
1
Deposits
38
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

702 · Experian · pulled 10/25/2026
Stacking1 reported position in DataMerch · checked 10/25/2026

NY court judgments

Not checked.

Submissions to outside funders

Summit FundingSubmittedsubmitted 10/25/2026

Commission

ISO
Keystone Partners
Offer
Standard origination (11.5% of funded)
Gross
$2,127.50
Commission Rep
—
ISO net
$2,127.50

Stipulations

  • Bank StatementsMandatoryCompleted
  • A/R Aging ReportMandatoryPending
  • Driver LicenseOptionalUnder Review

Participation

No syndicators on this deal.

Economics — bank fee & profit split

ISO commission
$2,127.50
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
$4,532.50
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 $0.00 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$18,500.00$0.00$0.00$20,627.50$4,532.50$0.00
Total$18,500.00$0.00$0.00$20,627.50$4,532.50$0.00

Payments

Download CSVStatement PDF

No payments.

Reconciliation · ledger ties out

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.

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

  • Casey Patel · Owner · owner@metrohvac.example · 100% · guarantor · primary

Audit trail

No activity.

Danger zone