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Genius Funding SolutionsUnderwriting Console

Boulangerie Ste-Croix Inc.

Boulangerie Ste-Croix · Food & Beverage · QC

Ready to submitDesjardinsStacked ×23 NSF / 30d
Requested
$75,000
Operating dep.
$78,500
Lenders matched
3 / 9

Owner

Isabelle Tremblay

Credit score

612

Time in business

64 mo

Incorporated

2021-03-15

Account

Desjardins

Documents

4/4 in

  • Signed application

    Received

    Web form, signed 13 Jul 2026. Requested $75,000.

  • Bank statements — 6 months

    Received

    Desjardins, Jan–Jun 2026. Account 0812-4471. 6 of 6 present.

  • Government ID

    Received

    Quebec driver's licence. Name matches applicant.

  • Void cheque

    Received

    Account 0812-4471 — matches the statement header.

Chase history

  1. 2026-07-13 09:02 · System

    Application received. Four document slots opened.

  2. 2026-07-13 09:03 · System

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

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

  3. 2026-07-13 09:04 · Email

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

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

  4. 2026-07-14 11:26 · System

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

  5. 2026-07-15 08:41 · System

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

  6. 2026-07-15 08:42 · Email

    Second chase sent naming the one item still outstanding.

    • Bank statements — 6 months

  7. 2026-07-16 14:18 · System

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

Positions

2 detected

  • Rivière Capital

    weekly
    Est. remaining
    $44,300
    Debit
    $1,685.00
    Funded
    10 Feb 2026
    Inferred advance
    $60,000
    Repaid so far
    $33,700
    Est. payoff
    05 Jan 2027

    Funder name on the advance, confirmed by 20 debits spaced a week apart. 20 payments · confidence 97%

  • Quantum Ledge Funding

    bi-weekly
    Est. remaining
    $36,540
    Debit
    $2,240.00
    Funded
    22 Apr 2026
    Inferred advance
    $35,000
    Repaid so far
    $8,960
    Est. payoff
    10 Feb 2027

    Funder name on the advance, confirmed by 4 debits spaced a fortnight apart. 4 payments · confidence 77%

Unmatched repeating debits

PRELEV AUT · $495.00 weekly · 13×

Repeats on a funder-like schedule but matches no name in the dictionary. Confirm with the client before submitting.

Daily debit burden

$561.0015.4%

Detection is a funder name on the advance, confirmed by the spacing of the debits that follow it — not by the name alone. Remaining balances assume a 1.30 factor, which is an assumption and not a figure from the statements.

Deposit analysis

Six-month average per month

Gross deposits

$109,586

Every credit

Excluded

$31,086

28.4% of gross

Operating deposits

$78,500

What lenders underwrite

Deposit count

17

Operating credits per month

NSF / 30 days

3

Worst rolling window

Avg daily balance

$29,363

11 days negative over six months

What was excluded, and why

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

Transaction ledger

Desjardins
Transactions for Jun 2026, showing how each credit was classified
DateDescriptionAmountReclassify
01 JunDEPOT POINT DE VENTE GLOBAL PAYMENTS 4531852R-CARD-01Card terminal settlement+$3,815.96
01 JunLOYER - GESTION IMMOB. STE-CROIXdr · not a deposit−$4,850.00
02 JunSKIPTHEDISHES PAIEMENTR-PLATFORM-01Delivery platform payout+$2,007.46
02 JunRIV CAP PRELEV AUTdr · not a deposit−$1,685.00
03 JunVIREMENT ENTRE COMPTES - 0812-4471R-INTER-01Transfer between the client’s own accounts+$12,000.00
03 JunPAIEMENT FOURNISSEUR - EMBALLAGES LAVAL 1675335dr · not a deposit−$7,950.62
03 JunQUANTUM LDG PRELEVdr · not a deposit−$2,240.00
05 JunCHÈQUE RETOURNÉ - PROVISIONS INSUFF.R-NSFRET-01Deposited cheque returned NSF+$1,840.00
05 JunREMB. PRÊT ÉQUIPEMENTdr · not a deposit−$2,950.00
05 JunFRAIS NSFdr · not a deposit−$48.00
05 JunPRELEV AUT 7734221dr · not a deposit−$495.00
08 JunDEPOT POINT DE VENTE GLOBAL PAYMENTS 2074188R-CARD-01Card terminal settlement+$2,098.99
09 JunDEPOT POINT DE VENTE GLOBAL PAYMENTS 4334557R-CARD-01Card terminal settlement+$4,358.99
09 JunTRANSFERT COMPTE USDR-INTER-01Transfer between the client’s own accounts+$4,500.00
09 JunHYDRO-QUÉBECdr · not a deposit−$578.94
09 JunPAIEMENT FOURNISSEUR - EMBALLAGES LAVAL 3648315dr · not a deposit−$12,718.41
09 JunRIV CAP PRELEV AUTdr · not a deposit−$1,685.00
10 JunDÉPÔT - CHÈQUE 6054521R-CHEQUE-01Cheque deposit+$4,278.06
11 JunDEPOT POINT DE VENTE GLOBAL PAYMENTS 6073899R-CARD-01Card terminal settlement+$4,877.47
11 JunDÉPÔT - CONTRAT GROSSISTE 4471H-OUTLIER-01Large one-off credit — revenue-shaped but well outside the normal range+$24,000.00
12 JunPRELEV AUT 7734221dr · not a deposit−$495.00
15 JunVIREMENT INTERAC RECU 8858018R-INTERAC-01Interac deposit+$3,020.64
15 JunDÉPÔT - MISE DE FONDS I. TREMBLAYR-OWNER-01Capital put in by the owner+$15,000.00
15 JunPAIE - EMPLOYEUR Ddr · not a deposit−$13,410.05
15 JunPAIEMENT FOURNISSEUR - MOULIN ST-JEAN 3028985dr · not a deposit−$8,444.74
16 JunDÉPÔT COMPTOIR - SUCC 0812R-CASH-01Cash or counter deposit+$3,952.99
16 JunTELUS MOBILITÉdr · not a deposit−$178.00
16 JunRIV CAP PRELEV AUTdr · not a deposit−$1,685.00
17 JunUBER EATS CANADA VERSEMENTR-PLATFORM-01Delivery platform payout+$4,726.75
17 JunQUANTUM LDG PRELEVdr · not a deposit−$2,240.00
18 JunCHÈQUE RETOURNÉ - PROVISIONS INSUFF.R-NSFRET-01Deposited cheque returned NSF+$960.00
18 JunFRAIS NSFdr · not a deposit−$48.00
19 JunVIREMENT INTERAC RECU 9575764R-INTERAC-01Interac deposit+$4,521.93
19 JunPAIEMENT FOURNISSEUR - LAITERIE BEAUPRÉ 6280783dr · not a deposit−$10,365.41
19 JunPRELEV AUT 7734221dr · not a deposit−$495.00
22 JunVIREMENT INTERAC - LOT 2752061R-INTERAC-01Interac deposit+$3,170.20
22 JunCONTREPASSATION - EFFET RETOURNÉR-RECREDIT-01Re-credit of a bounced item+$2,310.00
22 JunÉNERGIRdr · not a deposit−$333.99
23 JunVIREMENT INTERAC RECU 8935964R-INTERAC-01Interac deposit+$4,576.71
23 JunRIV CAP PRELEV AUTdr · not a deposit−$1,685.00
24 JunDEPOT POINT DE VENTE GLOBAL PAYMENTS 8067961R-CARD-01Card terminal settlement+$4,388.92
24 JunRETRAIT PROPRIÉTAIREdr · not a deposit−$7,106.76
24 JunFRAIS NSFdr · not a deposit−$48.00
25 JunPOINT DE VENTE SQUARE CANADA 2755972R-CARD-01Card terminal settlement+$3,375.40
25 JunRISTOURNE FOURNISSEUR - MOULIN ST-JEANR-REBATE-01Supplier rebate — not sales revenue+$1,275.00
25 JunPAIEMENT FOURNISSEUR - AGRO-DISTRIB QC 8833525dr · not a deposit−$12,500.86
26 JunPOINT DE VENTE SQUARE CANADA 8717544R-CARD-01Card terminal settlement+$2,881.81
26 JunPRELEV AUT 7734221dr · not a deposit−$495.00
29 JunVIREMENT ENTRE COMPTES - ÉPARGNEdr · not a deposit−$2,691.23
30 JunSKIPTHEDISHES PAIEMENTR-PLATFORM-01Delivery platform payout+$2,647.72
30 JunPAIE - EMPLOYEUR Ddr · not a deposit−$13,883.67
30 JunFRAIS MENSUELS - FORFAITdr · not a deposit−$42.00
30 JunRIV CAP PRELEV AUTdr · not a deposit−$1,685.00
Net movement53 rows+$7,551.32

Every credit carries the rule that classified it. Rules beginning R- are deterministic pattern matches; H- is the model layer, which only sees what the rules could not resolve and always asks for a human look. Flip any row to override it — the tiles, the burden, the shortlist and both emails recalculate from your decision.

Lender match

Matrix v4 · 2026-07-01

  • Advance

    $82,500

    Factor

    1.28

    Payback

    $105,600

    weekly payment

    $2,032.33

    CriterionThis fileThresholdResult
    Minimum monthly deposits$78,500$75,000Pass
    Minimum credit score612600Pass
    Time in business64 mo24 moPass
    Max NSF in rolling 30 days34Pass
    Max existing positions22Pass
    Position preference2 existingWill not take first positionPass
    Licensed provincesQCAll provincesPass
    Province carve-outQCNonePass
    Industry restrictionsFood & BeverageExcludes Trucking & LogisticsPass

Notifications

From
Genius Funding Solutions <info@geniusfundingsolutions.com>
To
Isabelle Tremblay <isabelle@boulangeriestecroix.ca>
Subject
Boulangerie Ste-Croix — your file is complete
Hello Isabelle,

Thank you for your application for Boulangerie Ste-Croix. We now have everything we need — your file is complete.

It is with our funding desk now. We will come back to you shortly with the options available to you.

Kind regards,
Marc Lévesque
Genius Funding Solutions
1235 Notre-Dame St W, Unit 125, Montreal QC H3C 0B1
(438) 259-6863

The client is told which documents are outstanding and nothing else. No deposit figures, no position count, no lender names, no risk language.