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Genius Funding SolutionsUnderwriting Console

Rapid Corridor Freight Inc.

Rapid Corridor · Trucking & Logistics · ON

Declined — no matchTDStacked ×35 NSF / 30d
Requested
$120,000
Operating dep.
$46,000
Lenders matched
0 / 9

Owner

Sukhwinder Brar

Credit score

528

Time in business

22 mo

Incorporated

2024-09-02

Account

TD

Documents

4/4 in

  • Signed application

    Received

    Signed 06 Jul 2026. Requested $120,000.

  • Bank statements — 6 months

    Received

    TD, Jan–Jun 2026. 6 of 6 present.

  • Government ID

    Received

    Ontario driver’s licence. Name matches applicant.

  • Void cheque

    Received

    Account 8823-660 — matches the statement header.

Chase history

  1. 2026-07-06 15:41 · System

    Application received. Four document slots opened.

  2. 2026-07-07 09:12 · Email

    Chase sent naming the three missing items.

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

  3. 2026-07-08 16:02 · System

    All items received and re-validated. Document set complete.

Positions

3 detected

  • Grandview Merchant Funding

    weekly
    Est. remaining
    $53,545
    Debit
    $385.00
    Funded
    20 Jan 2026
    Inferred advance
    $48,000
    Repaid so far
    $8,855
    Est. payoff
    06 Mar 2029

    Funder name on the advance, confirmed by 23 debits spaced a week apart. 23 payments · confidence 97%

  • Beacon Trade Advance

    weekly
    Est. remaining
    $22,200
    Debit
    $1,120.00
    Funded
    17 Mar 2026
    Inferred advance
    $30,000
    Repaid so far
    $16,800
    Est. payoff
    17 Nov 2026

    Funder name on the advance, confirmed by 15 debits spaced a week apart. 15 payments · confidence 97%

  • Atlas Coastal Funding

    bi-weekly
    Est. remaining
    $24,160
    Debit
    $1,480.00
    Funded
    11 May 2026
    Inferred advance
    $22,000
    Repaid so far
    $4,440
    Est. payoff
    15 Feb 2027

    Funder name on the advance, confirmed by 3 debits spaced a fortnight apart. 3 payments · confidence 77%

Daily debit burden

$449.0021.0%

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

$65,645

Every credit

Excluded

$19,645

29.9% of gross

Operating deposits

$46,000

What lenders underwrite

Deposit count

17

Operating credits per month

NSF / 30 days

5

Worst rolling window

Avg daily balance

$41,341

5 days negative over six months

What was excluded, and why

  • Advance from a funder$16,667
  • NSF return$1,303
  • Owner injection$1,000
  • Inter-account transfer$350
  • Bounced item re-credit$325

Transaction ledger

TD
Transactions for Jun 2026, showing how each credit was classified
DateDescriptionAmountReclassify
01 JunSKIPTHEDISHES PAYMENTR-PLATFORM-01Delivery platform payout+$2,476.81
01 JunRENT - HARTWELL PROPERTY MGMTdr · not a deposit−$3,900.00
02 JunUBER EATS CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$3,105.04
02 JunNSF FEEdr · not a deposit−$48.00
02 JunGMF DAILY REMITdr · not a deposit−$385.00
02 JunBTA REMITdr · not a deposit−$1,120.00
03 JunSUPPLIER PMT - VANCE WHOLESALE 2847379dr · not a deposit−$5,647.72
04 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$1,427.07
05 JunCASH DEPOSIT - COUNTERR-CASH-01Cash or counter deposit+$2,287.29
05 JunEQUIPMENT LOAN PMTdr · not a deposit−$4,200.00
08 JunACF REMITdr · not a deposit−$1,480.00
09 JunHYDRO ONEdr · not a deposit−$348.03
09 JunSUPPLIER PMT - CORWIN TRADING 4877178dr · not a deposit−$4,536.72
09 JunNSF FEEdr · not a deposit−$48.00
09 JunGMF DAILY REMITdr · not a deposit−$385.00
09 JunBTA REMITdr · not a deposit−$1,120.00
10 JunINTERAC DEPOSIT BATCH 3349701R-INTERAC-01Interac deposit+$1,731.05
11 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$2,363.34
12 JunMONERIS SETTLEMENT 2555109R-CARD-01Card terminal settlement+$3,542.63
15 JunCHASE PAYMENTECH DEP 4673162R-CARD-01Card terminal settlement+$3,479.42
15 JunPAYROLL - CERIDIANdr · not a deposit−$8,617.65
15 JunSUPPLIER PMT - VANCE WHOLESALE 8202221dr · not a deposit−$4,745.19
15 JunNSF FEEdr · not a deposit−$48.00
16 JunBRANCH DEPOSITR-CASH-01Cash or counter deposit+$2,044.83
16 JunRETURNED CHEQUE - NSFR-NSFRET-01Deposited cheque returned NSF+$1,640.00
16 JunBELL CANADAdr · not a deposit−$340.00
16 JunGMF DAILY REMITdr · not a deposit−$385.00
16 JunBTA REMITdr · not a deposit−$1,120.00
17 JunINTERAC E-TRANSFER DEPOSIT 3123286R-INTERAC-01Interac deposit+$3,917.49
18 JunSKIPTHEDISHES PAYMENTR-PLATFORM-01Delivery platform payout+$2,425.19
19 JunDOORDASH CANADA PAYOUTR-PLATFORM-01Delivery platform payout+$1,616.80
19 JunSUPPLIER PMT - REDPATH SUPPLY 8997232dr · not a deposit−$5,131.57
22 JunCHASE PAYMENTECH DEP 5686303R-CARD-01Card terminal settlement+$2,908.05
22 JunENBRIDGE GASdr · not a deposit−$247.94
22 JunACF REMITdr · not a deposit−$1,480.00
23 JunNSF FEEdr · not a deposit−$48.00
23 JunGMF DAILY REMITdr · not a deposit−$385.00
23 JunBTA REMITdr · not a deposit−$1,120.00
24 JunINTERAC E-TRANSFER DEPOSIT 4349589R-INTERAC-01Interac deposit+$2,908.56
24 JunOWNER DRAWdr · not a deposit−$5,338.70
29 JunCHASE PAYMENTECH DEP 5528973R-CARD-01Card terminal settlement+$3,338.56
29 JunTRANSFER TO SAVINGS - SWEEPdr · not a deposit−$2,380.23
29 JunNSF FEEdr · not a deposit−$48.00
30 JunSQUARE CANADA PAYOUT 6970407R-CARD-01Card terminal settlement+$3,827.87
30 JunPAYROLL - CERIDIANdr · not a deposit−$8,701.76
30 JunMONTHLY PLAN FEEdr · not a deposit−$46.00
30 JunGMF DAILY REMITdr · not a deposit−$385.00
30 JunBTA REMITdr · not a deposit−$1,120.00
Net movement48 rows−$19,866.51

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

No lender in the matrix will take this file.

The three that came closest are marked below, each with the single rule blocking it. Nearest is Harbourline Finance, blocked on minimum monthly deposits — $46,000 against a threshold of $50,000.

  • CriterionThis fileThresholdResult
    Minimum monthly deposits$46,000$50,000Fail
    Minimum credit score528560Fail
    Time in business22 mo12 moPass
    Max NSF in rolling 30 days55Pass
    Max existing positions33Pass
    Position preference3 existingAny positionPass
    Licensed provincesONAll provincesPass
    Province carve-outONNonePass
    Industry restrictionsTrucking & LogisticsNonePass

Notifications

From
Genius Funding Solutions <info@geniusfundingsolutions.com>
To
Sukhwinder Brar <sukhwinder@rapidcorridor.ca>
Subject
Rapid Corridor — your file is complete
Hello Sukhwinder,

Thank you for your application for Rapid Corridor. 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.