Demonstration build · all businesses, bank data, funders and lender criteria are fabricated

Genius Funding SolutionsUnderwriting Console

Coastal Tile & Stone Ltd.

Coastal Tile · Construction & Trades · BC

Awaiting documentsBMOStacked ×12 NSF / 30d
Requested
$45,000
Operating dep.
$61,000
Lenders matched
4 / 9

Owner

Priya Raghunathan

Credit score

634

Time in business

68 mo

Incorporated

2020-11-05

Account

BMO

Documents

2/4 in

  • Signed application

    Received

    Signed 15 Jul 2026. Requested $45,000.

  • Bank statements — 6 months

    Received

    BMO, Jan–Jun 2026. 6 of 6 present.

  • Government ID

    Missing

    Requested 15 Jul and again 18 Jul. Not yet supplied.

  • Void cheque

    Missing

    Requested 15 Jul and again 18 Jul. Not yet supplied.

Chase history

  1. 2026-07-15 11:20 · System

    Application received. Four document slots opened.

  2. 2026-07-15 11:21 · Email

    Chase sent naming the three missing items.

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

  3. 2026-07-17 10:05 · System

    Statements received and re-validated. Two slots still open.

  4. 2026-07-18 09:00 · Email

    Second chase sent naming only the two items still outstanding.

    • Government ID
    • Void cheque

Positions

1 detected

  • Harbourline Finance

    weekly
    Est. remaining
    $28,420
    Debit
    $1,310.00
    Funded
    24 Feb 2026
    Inferred advance
    $40,000
    Repaid so far
    $23,580
    Est. payoff
    01 Dec 2026

    Funder name on the advance, confirmed by 18 debits spaced a week apart. 18 payments · confidence 97%

Daily debit burden

$262.009.2%

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

$71,950

Every credit

Excluded

$10,950

15.2% of gross

Operating deposits

$61,000

What lenders underwrite

Deposit count

19

Operating credits per month

NSF / 30 days

2

Worst rolling window

Avg daily balance

$36,420

Never negative

What was excluded, and why

  • Advance from a funder$6,667
  • Inter-account transfer$1,883
  • Owner injection$1,500
  • Bounced item re-credit$342
  • NSF return$315
  • Other non-revenue$243

Transaction ledger

BMO
Transactions for Jun 2026, showing how each credit was classified
DateDescriptionAmountReclassify
01 JunMONERIS SETTLEMENT 5303504R-CARD-01Card terminal settlement+$3,614.06
01 JunRENT - HARTWELL PROPERTY MGMTdr · not a deposit−$4,100.00
02 JunHLF DAILY REMITdr · not a deposit−$1,310.00
03 JunCHASE PAYMENTECH DEP 5839727R-CARD-01Card terminal settlement+$3,238.01
03 JunSUPPLIER PMT - ALDERGROVE CO 3300819dr · not a deposit−$4,653.07
04 JunCASH DEPOSIT - COUNTERR-CASH-01Cash or counter deposit+$2,934.40
05 JunMONERIS SETTLEMENT 4802703R-CARD-01Card terminal settlement+$4,969.78
05 JunEQUIPMENT LOAN PMTdr · not a deposit−$3,100.00
08 JunCHASE PAYMENTECH DEP 3170649R-CARD-01Card terminal settlement+$2,679.67
09 JunDEPOSIT - CHEQUE 7510764R-CHEQUE-01Cheque deposit+$2,805.75
09 JunHYDRO ONEdr · not a deposit−$430.22
09 JunSUPPLIER PMT - REDPATH SUPPLY 2520479dr · not a deposit−$6,393.05
09 JunHLF DAILY REMITdr · not a deposit−$1,310.00
10 JunINTERAC DEPOSIT BATCH 2501150R-INTERAC-01Interac deposit+$2,191.95
11 JunINTERAC E-TRANSFER DEPOSIT 1972322R-INTERAC-01Interac deposit+$4,645.52
12 JunINTERAC DEPOSIT BATCH 6661269R-INTERAC-01Interac deposit+$4,885.64
12 JunVOLUME REBATE - VANCE WHOLESALER-REBATE-01Supplier rebate — not sales revenue+$1,460.00
15 JunPAYROLL - CERIDIANdr · not a deposit−$9,785.43
15 JunSUPPLIER PMT - ALDERGROVE CO 9167395dr · not a deposit−$5,337.22
16 JunMONERIS SETTLEMENT 3812080R-CARD-01Card terminal settlement+$4,789.74
16 JunBELL CANADAdr · not a deposit−$195.00
16 JunHLF DAILY REMITdr · not a deposit−$1,310.00
17 JunDEPOSIT - CHEQUE 3479390R-CHEQUE-01Cheque deposit+$2,903.36
18 JunCASH DEPOSIT - COUNTERR-CASH-01Cash or counter deposit+$3,178.23
19 JunSUPPLIER PMT - ALDERGROVE CO 3302708dr · not a deposit−$5,860.57
22 JunSQUARE CANADA PAYOUT 9941348R-CARD-01Card terminal settlement+$2,407.83
22 JunENBRIDGE GASdr · not a deposit−$290.46
23 JunINTERAC DEPOSIT BATCH 3739471R-INTERAC-01Interac deposit+$2,769.25
23 JunHLF DAILY REMITdr · not a deposit−$1,310.00
24 JunMONERIS SETTLEMENT 6808943R-CARD-01Card terminal settlement+$3,505.80
24 JunOWNER DRAWdr · not a deposit−$6,229.20
25 JunCHASE PAYMENTECH DEP 6732426R-CARD-01Card terminal settlement+$2,866.85
25 JunSUPPLIER PMT - REDPATH SUPPLY 9150853dr · not a deposit−$6,556.40
26 JunSKIPTHEDISHES PAYMENTR-PLATFORM-01Delivery platform payout+$1,882.79
29 JunMONERIS SETTLEMENT 2181937R-CARD-01Card terminal settlement+$2,621.14
29 JunTRANSFER TO SAVINGS - SWEEPdr · not a deposit−$2,952.88
30 JunGLOBAL PAYMENTS DEP 3191240R-CARD-01Card terminal settlement+$3,910.23
30 JunPAYROLL - CERIDIANdr · not a deposit−$9,492.21
30 JunMONTHLY PLAN FEEdr · not a deposit−$41.00
30 JunHLF DAILY REMITdr · not a deposit−$1,310.00
Net movement40 rows−$7,706.71

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

    $46,000

    Factor

    1.31

    Payback

    $60,260

    daily payment

    $277.70

    CriterionThis fileThresholdResult
    Minimum monthly deposits$61,000$60,000Pass
    Minimum credit score634580Pass
    Time in business68 mo18 moPass
    Max NSF in rolling 30 days26Pass
    Max existing positions13Pass
    Position preference1 existingAny positionPass
    Licensed provincesBCAll provincesPass
    Province carve-outBCNonePass
    Industry restrictionsConstruction & TradesExcludes Trucking & LogisticsPass

Notifications

From
Genius Funding Solutions <info@geniusfundingsolutions.com>
To
Priya Raghunathan <priya@coastaltile.ca>
Subject
Coastal Tile — 2 items still needed
Hello Priya,

Thank you for your application for Coastal Tile. We have started the review.

To move forward we need 2 more items from you:

  • Government ID
  • Void cheque

You can reply to this email with the files attached, or send photos from your phone — both work.

Once these are in, we will come back to you with options.

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.