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Genius Funding SolutionsUnderwriting Console

Northline Auto Service Ltd.

Northline Auto · Automotive Services · ON

Ready to submitRBCNo positions1 NSF / 30d
Requested
$60,000
Operating dep.
$71,667
Lenders matched
7 / 9

Owner

Dwayne Ferreira

Credit score

671

Time in business

85 mo

Incorporated

2019-06-11

Account

RBC

Documents

4/4 in

  • Signed application

    Received

    Signed 09 Jul 2026. Requested $60,000.

  • Bank statements — 6 months

    Received

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

  • Government ID

    Received

    Ontario photo card. Name matches applicant.

  • Void cheque

    Received

    Account 5567-119 — matches the statement header.

Chase history

  1. 2026-07-09 10:14 · System

    Application received. Four document slots opened.

  2. 2026-07-09 10:15 · Email

    Chase sent naming the two missing items.

    • Bank statements — 6 months
    • Void cheque

  3. 2026-07-10 09:33 · System

    Both items 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

$76,220

Every credit

Excluded

$4,553

6.0% of gross

Operating deposits

$71,667

What lenders underwrite

Deposit count

20

Operating credits per month

NSF / 30 days

1

Worst rolling window

Avg daily balance

$25,850

Never negative

What was excluded, and why

  • Inter-account transfer$3,317
  • Owner injection$667
  • NSF return$373
  • Other non-revenue$197

Transaction ledger

RBC
Transactions for Jun 2026, showing how each credit was classified
DateDescriptionAmountReclassify
01 JunRENT - HARTWELL PROPERTY MGMTdr · not a deposit−$5,200.00
02 JunINTERAC E-TRANSFER DEPOSIT 7167324R-INTERAC-01Interac deposit+$2,841.74
03 JunDEPOSIT - CHEQUE 1651102R-CHEQUE-01Cheque deposit+$4,267.20
03 JunSUPPLIER PMT - VANCE WHOLESALE 7796104dr · not a deposit−$5,729.70
04 JunGLOBAL PAYMENTS DEP 4844746R-CARD-01Card terminal settlement+$3,718.54
05 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$5,325.16
05 JunEQUIPMENT LOAN PMTdr · not a deposit−$3,400.00
08 JunINTERAC E-TRANSFER DEPOSIT 5876950R-INTERAC-01Interac deposit+$2,291.21
09 JunSQUARE CANADA PAYOUT 5446421R-CARD-01Card terminal settlement+$2,562.95
09 JunHYDRO ONEdr · not a deposit−$725.08
09 JunSUPPLIER PMT - CORWIN TRADING 2388332dr · not a deposit−$6,002.19
10 JunMONERIS SETTLEMENT 2198951R-CARD-01Card terminal settlement+$2,466.59
11 JunMONERIS SETTLEMENT 7208291R-CARD-01Card terminal settlement+$5,482.71
12 JunCHASE PAYMENTECH DEP 3076421R-CARD-01Card terminal settlement+$2,988.23
15 JunSQUARE CANADA PAYOUT 9808115R-CARD-01Card terminal settlement+$4,987.00
15 JunPAYROLL - CERIDIANdr · not a deposit−$11,901.75
15 JunSUPPLIER PMT - ALDERGROVE CO 1191959dr · not a deposit−$7,017.76
16 JunBELL CANADAdr · not a deposit−$210.00
17 JunMONERIS SETTLEMENT 5906121R-CARD-01Card terminal settlement+$2,406.57
17 JunOWNER DEPOSIT - D FERREIRAR-OWNER-01Capital put in by the owner+$4,000.00
18 JunINTERAC DEPOSIT BATCH 6951227R-INTERAC-01Interac deposit+$4,421.39
19 JunINTERAC DEPOSIT BATCH 9443772R-INTERAC-01Interac deposit+$4,713.69
19 JunSUPPLIER PMT - VANCE WHOLESALE 6376104dr · not a deposit−$5,073.28
22 JunSKIPTHEDISHES PAYMENTR-PLATFORM-01Delivery platform payout+$2,993.85
22 JunENBRIDGE GASdr · not a deposit−$447.89
23 JunINTERAC E-TRANSFER DEPOSIT 4786716R-INTERAC-01Interac deposit+$3,353.69
24 JunINTERAC DEPOSIT BATCH 4400949R-INTERAC-01Interac deposit+$3,882.68
24 JunOWNER DRAWdr · not a deposit−$9,269.31
25 JunGLOBAL PAYMENTS DEP 6478559R-CARD-01Card terminal settlement+$1,988.43
25 JunSUPPLIER PMT - VANCE WHOLESALE 8537025dr · not a deposit−$5,916.90
26 JunSQUARE CANADA PAYOUT 2796862R-CARD-01Card terminal settlement+$2,612.43
29 JunDOORDASH CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$4,576.72
29 JunTRANSFER TO SAVINGS - SWEEPdr · not a deposit−$4,090.01
30 JunINTERAC DEPOSIT BATCH 2682153R-INTERAC-01Interac deposit+$4,119.22
30 JunPAYROLL - CERIDIANdr · not a deposit−$11,270.03
30 JunMONTHLY PLAN FEEdr · not a deposit−$39.00
Net movement36 rows−$292.90

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

    $64,500

    Factor

    1.27

    Payback

    $81,915

    weekly payment

    $1,576.50

    CriterionThis fileThresholdResult
    Minimum monthly deposits$71,667$60,000Pass
    Minimum credit score671580Pass
    Time in business85 mo12 moPass
    Max NSF in rolling 30 days15Pass
    Max existing positions03Pass
    Position preference0 existingFirst position onlyPass
    Licensed provincesONAll provincesPass
    Province carve-outONNonePass
    Industry restrictionsAutomotive ServicesNonePass

Notifications

From
Genius Funding Solutions <info@geniusfundingsolutions.com>
To
Dwayne Ferreira <dwayne@northlineauto.ca>
Subject
Northline Auto — your file is complete
Hello Dwayne,

Thank you for your application for Northline Auto. 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.