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

Genius Funding SolutionsUnderwriting Console

Kensington Provisions Corp.

Kensington Provisions · Retail · ON

Ready to submitCIBCNo positions
Requested
$200,000
Operating dep.
$215,000
Lenders matched
8 / 9

Owner

Marguerite Okonkwo

Credit score

712

Time in business

111 mo

Incorporated

2017-04-03

Account

CIBC

Documents

4/4 in

  • Signed application

    Received

    Signed 11 Jul 2026. Requested $200,000.

  • Bank statements — 6 months

    Received

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

  • Government ID

    Received

    Ontario driver’s licence. Name matches applicant.

  • Void cheque

    Received

    Account 4410-227 — matches the statement header.

Chase history

  1. 2026-07-11 08:26 · System

    Application received. Four document slots opened.

  2. 2026-07-11 08:27 · Email

    Chase sent naming the one missing item.

    • Void cheque

  3. 2026-07-12 09:14 · System

    Void cheque received and re-validated. Document set complete.

Positions

0 detected

No repeating funder debits found across the six months.

Deposit analysis

Six-month average per month

Gross deposits

$241,467

Every credit

Excluded

$26,467

11.0% of gross

Operating deposits

$215,000

What lenders underwrite

Deposit count

23

Operating credits per month

NSF / 30 days

0

Worst rolling window

Avg daily balance

$109,661

Never negative

What was excluded, and why

  • Inter-account transfer$23,333
  • Owner injection$2,000
  • Other non-revenue$1,133

Transaction ledger

CIBC
Transactions for Jun 2026, showing how each credit was classified
DateDescriptionAmountReclassify
01 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$7,472.43
01 JunGLOBAL PAYMENTS DEP 5155766R-CARD-01Card terminal settlement+$10,232.18
01 JunRENT - HARTWELL PROPERTY MGMTdr · not a deposit−$18,500.00
02 JunSQUARE CANADA PAYOUT 5473004R-CARD-01Card terminal settlement+$7,409.70
03 JunINTERAC DEPOSIT BATCH 7927223R-INTERAC-01Interac deposit+$6,856.61
03 JunSUPPLIER PMT - CORWIN TRADING 1047254dr · not a deposit−$18,949.76
04 JunSQUARE CANADA PAYOUT 5465054R-CARD-01Card terminal settlement+$8,080.43
05 JunGLOBAL PAYMENTS DEP 4696129R-CARD-01Card terminal settlement+$11,200.17
05 JunEQUIPMENT LOAN PMTdr · not a deposit−$9,500.00
08 JunSQUARE CANADA PAYOUT 5827907R-CARD-01Card terminal settlement+$6,602.53
09 JunDOORDASH CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$12,590.99
09 JunHYDRO ONEdr · not a deposit−$2,194.94
09 JunSUPPLIER PMT - ALDERGROVE CO 4769585dr · not a deposit−$23,542.41
10 JunDOORDASH CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$13,580.77
11 JunSQUARE CANADA PAYOUT 3731930R-CARD-01Card terminal settlement+$6,075.45
12 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$8,242.20
15 JunINTERAC DEPOSIT BATCH 4542705R-INTERAC-01Interac deposit+$14,726.64
15 JunPAYROLL - CERIDIANdr · not a deposit−$38,797.36
15 JunSUPPLIER PMT - CORWIN TRADING 4714523dr · not a deposit−$17,972.56
16 JunUBER EATS CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$7,016.39
16 JunBELL CANADAdr · not a deposit−$780.00
17 JunCHASE PAYMENTECH DEP 7294395R-CARD-01Card terminal settlement+$11,582.84
18 JunGLOBAL PAYMENTS DEP 5589167R-CARD-01Card terminal settlement+$10,235.32
19 JunCASH DEPOSIT - COUNTERR-CASH-01Cash or counter deposit+$6,767.60
19 JunSUPPLIER PMT - CORWIN TRADING 3960845dr · not a deposit−$20,172.93
22 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$10,859.97
22 JunENBRIDGE GASdr · not a deposit−$1,241.61
23 JunDOORDASH CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$14,205.06
23 JunOWNER DEPOSIT - M OKONKWOR-OWNER-01Capital put in by the owner+$12,000.00
24 JunINTERAC DEPOSIT BATCH 5256805R-INTERAC-01Interac deposit+$10,534.01
24 JunOWNER DRAWdr · not a deposit−$21,291.90
25 JunINTERAC E-TRANSFER DEPOSIT 9402532R-INTERAC-01Interac deposit+$5,457.04
25 JunSUPPLIER PMT - ALDERGROVE CO 3474255dr · not a deposit−$19,229.15
26 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$14,592.76
29 JunINTERAC E-TRANSFER DEPOSIT 5833835R-INTERAC-01Interac deposit+$12,524.25
29 JunTRANSFER TO SAVINGS - SWEEPdr · not a deposit−$12,257.42
30 JunSKIPTHEDISHES PAYMENTR-PLATFORM-01Delivery platform payout+$13,254.66
30 JunPAYROLL - CERIDIANdr · not a deposit−$40,048.62
30 JunMONTHLY PLAN FEEdr · not a deposit−$65.00
Net movement39 rows−$2,443.66

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

    $230,000

    Factor

    1.19

    Payback

    $273,700

    weekly payment

    $4,214.01

    CriterionThis fileThresholdResult
    Minimum monthly deposits$215,000$85,000Pass
    Minimum credit score712660Pass
    Time in business111 mo24 moPass
    Max NSF in rolling 30 days03Pass
    Max existing positions01Pass
    Position preference0 existingAny positionPass
    Licensed provincesONAll provincesPass
    Province carve-outONNonePass
    Industry restrictionsRetailNonePass

Notifications

From
Genius Funding Solutions <info@geniusfundingsolutions.com>
To
Marguerite Okonkwo <marguerite@kensingtonprovisions.ca>
Subject
Kensington Provisions — your file is complete
Hello Marguerite,

Thank you for your application for Kensington Provisions. 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.