Boulangerie Ste-Croix Inc.

System

Application received. Four document slots opened.

System

Slot check: 1 of 4 satisfied. Three items outstanding.

• Bank statements — 6 months
• Government ID
• Void cheque

Email

Chase sent to the client naming only the three missing items.

• Bank statements — 6 months
• Government ID
• Void cheque

System

Government ID received. Re-validated: name matches the applicant. Slot closed.

System

Void cheque received. Re-validated: account 0812-4471 matches the statement header. Slot closed.

Email

Second chase sent naming the one item still outstanding.

• Bank statements — 6 months

System

Six statements received. All four slots re-validated. Document set complete — parsing started.

Engine

Parsed 6 statements — 259 transactions, Jan–Jun 2026.

Running balance reconciled end to end. Opening $4,000.00, closing $26,720.83.

Engine

Classified 126 credits — 125 by rule, 1 by the model layer.

22 credits pulled out of deposits. Nothing was left unclassified.

• Advance from a funder — $15,833 per month
• Inter-account transfer — $9,008 per month
• Owner injection — $3,833 per month
• NSF return — $1,360 per month
• Bounced item re-credit — $690 per month
• Other non-revenue — $361 per month

Engine

Operating deposits settled at $78,500 per month.

Gross $109,586 less $31,086 excluded. Worst 30-day NSF window: 3. 11 days negative across the window.

Engine

Detected 2 funder positions.

Daily burden $561.00 — 15.4% of daily deposits.

• Rivière Capital — $60,000 advanced, $1,685.00 weekly, est. $44,300 remaining
• Quantum Ledge Funding — $35,000 advanced, $2,240.00 bi-weekly, est. $36,540 remaining

Engine

Flagged 1 repeating debit that matches no funder in the dictionary.

"PRELEV AUT" — $495.00 weekly, 13 times. Surfaced rather than ignored.

Engine

Scored against matrix v4 — 3 matched, 6 excluded.

• MATCH Trillium Advance Group — $82,500
• MATCH Copperfield Capital — $59,000
• MATCH Harbourline Finance — $66,500
• OUT Meridian Growth Capital — Max NSF in rolling 30 days
• OUT Prairie Sky Capital — Province carve-out
• OUT Stonecrest Capital Partners — Position preference
• OUT Blue Heron Advance — Industry restrictions
• OUT Summit Bay Funding — Licensed provinces
• OUT Ironwood Merchant Capital — Minimum monthly deposits, Minimum credit score, Max existing positions

Email

Internal summary sent to Marc Lévesque.

Subject: Boulangerie Ste-Croix — 3 matches, $78,500/mo operating.

Marc Lévesque

Reviewed the two credits the model layer flagged.

Confirmed the supplier rebate stays out. Left the $24,000 wholesale contract credit in for now, pending a word with the client about whether it recurs.

Marc Lévesque

Override logged on DÉPÔT - CONTRAT GROSSISTE 4471.

Reclassified from operating revenue to other, then reverted after the client confirmed it is a standing monthly wholesale order. Shortlist recalculated both times.