// Cash Flow & Insights — fabricated, internally-consistent data for Atlas Bakery LLC. // // THREE SCENARIOS — keyed by `window.RBI_STATE.get()`. The Home overview's tweak // switches the active scenario; Cash Flow and Industry Insights both read the // active scenario so the story stays in sync. // // declined — today, 12d after decline; tight runway, 5 NSFs, fees high // improving — 67d post-decline; rebuilding momentum, zero NSFs in 47 days // reeligible — 142d post-decline; Mercury switch, would be approved today // // Cohort for peer benchmarks (same in all scenarios): 247 NYC commercial // bakeries, NAICS 311812, $500K–$2M revenue. // ──────────────────────────────────────────────────────────────────────────── // Deterministic PRNG so dev refreshes don't reshuffle charts function mulberry32(seed) { return function () { seed |= 0; seed = (seed + 0x6D2B79F5) | 0; let t = seed; t = Math.imul(t ^ (t >>> 15), t | 1); t ^= t + Math.imul(t ^ (t >>> 7), t | 61); return ((t ^ (t >>> 14)) >>> 0) / 4294967296; }; } // ──────────────────────────────────────────────────────────────────────────── // 90-day daily balance generator. Parametric so each scenario gets a distinct // trajectory while sharing the same operational shape (daily deposits, weekly // wholesale checks, biweekly payroll, monthly rent + utilities). function buildBalance(opts) { const { seed, startBal, slopePerDay, overdraftDays, dailyInBoost, weeklyARBoost, payrollSize, rentSize, pullAheadDay, pullAheadAmt } = opts; const rng = mulberry32(seed); const days = 90; const series = []; const od = new Set(overdraftDays || []); let v = startBal; for (let i = 0; i < days; i++) { let delta = slopePerDay + (rng() - 0.5) * 1400; delta += 2300 + dailyInBoost + (rng() - 0.5) * 800; // Square daily delta += 800 + (rng() - 0.5) * 350; // Stripe daily delta -= 1700 + rng() * 700; // food costs delta -= 250 + rng() * 250; // small ops if (i % 7 === 4) delta += 4200 + weeklyARBoost + rng() * 3500; // weekly AR if (i % 14 === 10) delta -= payrollSize - rng() * 600; // payroll if (i === 8 || i === 38 || i === 68) delta -= rentSize; // rent if (i === 22 || i === 52 || i === 82) delta -= 1430; // utilities if (pullAheadDay != null && i === pullAheadDay) delta -= pullAheadAmt; if (i === 25) delta -= 1280; // equipment service v += delta; if (od.has(i)) v = -90 - rng() * 110; // NSF day series.push(Math.round(v)); } return series; } // ──────────────────────────────────────────────────────────────────────────── // Weekly inflow/outflow builder function buildWeekly(inflows, outflows) { return inflows.map((inflow, i) => ({ label: "W" + (i + 1), inflow, outflow: outflows[i], net: inflow - outflows[i], })); } // ──────────────────────────────────────────────────────────────────────────── // Spending categories: shared shape, scenario varies the amounts. Color + // peer share stay consistent so cross-scenario comparisons are clean. function buildSpending(amounts) { const CATS = [ { key: "supplies", label: "Supplies & ingredients", color: "#0040BA", peerShare: 24 }, { key: "payroll", label: "Payroll & contractors", color: "#04C49E", peerShare: 31 }, { key: "rent", label: "Rent & utilities", color: "#A4C3FF", peerShare: 12 }, { key: "fees", label: "Bank & processing fees", color: "#E07B39", peerShare: 2 }, { key: "equipment", label: "Equipment & repairs", color: "#7790F6", peerShare: 6 }, { key: "marketing", label: "Marketing & software", color: "#5DD8B6", peerShare: 4 }, { key: "other", label: "Insurance, fuel, other", color: "#C0C8D8", peerShare: 21 }, ]; const out = CATS.map((c) => ({ ...c, amount: amounts[c.key] })); const total = out.reduce((s, x) => s + x.amount, 0); out.forEach((x) => { x.share = Math.round((x.amount / total) * 1000) / 10; }); out.total = total; return out; } // ──────────────────────────────────────────────────────────────────────────── // Peer benchmarks. Distributions (bins) and percentile cut-points are shared // across scenarios — only Atlas's "you" value, percentile, and tone shift. const PEER_BINS = { revenue: [4, 11, 19, 31, 42, 38, 31, 27, 21, 14, 7, 3], margin: [9, 18, 28, 38, 45, 36, 28, 19, 12, 7, 4, 3], fees: [42, 68, 51, 32, 24, 15, 9, 5, 1], buffer: [22, 39, 41, 38, 31, 26, 18, 14, 9, 5, 3, 1], }; const PEER_PCT = { revenue: { p25: 68200, p50: 82400, p75: 104500, p90: 138900 }, margin: { p25: 5.4, p50: 8.7, p75: 12.4, p90: 17.1 }, fees: { p25: 410, p50: 920, p75: 1680, p90: 2900 }, buffer: { p25: 31, p50: 54, p75: 88, p90: 132 }, }; function buildPeers(snapshot) { return { cohort: "247 NYC commercial bakeries", cohortSpec: "NAICS 311812 · annual revenue $500K–$2M · 12-mo trailing", metrics: [ { key: "revenue", label: "Monthly revenue", unit: "$", you: snapshot.revenue.you, youPctile: snapshot.revenue.pct, tone: snapshot.revenue.tone, blurb: snapshot.revenue.blurb, ...PEER_PCT.revenue, peerP25: PEER_PCT.revenue.p25, peerP50: PEER_PCT.revenue.p50, peerP75: PEER_PCT.revenue.p75, peerP90: PEER_PCT.revenue.p90, bins: PEER_BINS.revenue, }, { key: "margin", label: "Net margin", unit: "%", you: snapshot.margin.you, youPctile: snapshot.margin.pct, tone: snapshot.margin.tone, blurb: snapshot.margin.blurb, peerP25: PEER_PCT.margin.p25, peerP50: PEER_PCT.margin.p50, peerP75: PEER_PCT.margin.p75, peerP90: PEER_PCT.margin.p90, bins: PEER_BINS.margin, }, { key: "fees", label: "Bank & card fees", unit: "$/mo", you: snapshot.fees.you, youPctile: snapshot.fees.pct, tone: snapshot.fees.tone, blurb: snapshot.fees.blurb, peerP25: PEER_PCT.fees.p25, peerP50: PEER_PCT.fees.p50, peerP75: PEER_PCT.fees.p75, peerP90: PEER_PCT.fees.p90, bins: PEER_BINS.fees, }, { key: "buffer", label: "Cash buffer (days)", unit: "d", you: snapshot.buffer.you, youPctile: snapshot.buffer.pct, tone: snapshot.buffer.tone, blurb: snapshot.buffer.blurb, peerP25: PEER_PCT.buffer.p25, peerP50: PEER_PCT.buffer.p50, peerP75: PEER_PCT.buffer.p75, peerP90: PEER_PCT.buffer.p90, bins: PEER_BINS.buffer, }, ], }; } // ──────────────────────────────────────────────────────────────────────────── // Helper to annotate a transactions array with running balance. function annotateRunning(transactions, startBal) { const ordered = transactions.slice().reverse(); let bal = startBal; ordered.forEach((t) => { bal += t.amount; t.running = Math.round(bal); }); return transactions; } // ──────────────────────────────────────────────────────────────────────────── // ── DECLINED — today, 12d after decline. Tight runway. ────────────────────── const DECLINED = { todayLabel: "May 22, 2026", windowLabel: "Feb 21 – May 22, 2026", bank: "Chase Business ····4391", balance90: buildBalance({ seed: 7341, startBal: 44200, slopePerDay: -180, overdraftDays: [66, 71, 76, 82, 86], dailyInBoost: 0, weeklyARBoost: 0, payrollSize: 11800, rentSize: 6800, pullAheadDay: 60, pullAheadAmt: 4800, }), overdraftDays: [66, 71, 76, 82, 86], weekly: buildWeekly( [22100, 24800, 21900, 23400, 22200, 21600, 20800, 19900, 20400, 19100, 20700, 19400], [19200, 18400, 20100, 19800, 21300, 20700, 22600, 21800, 23100, 22400, 24800, 23200] ), spending30d: buildSpending({ supplies: 21400, payroll: 23800, rent: 8230, fees: 3850, equipment: 6100, marketing: 3200, other: 12600, }), transactions: annotateRunning([ { date: "May 22", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2840.10 }, { date: "May 22", memo: "Restaurant Depot · Bushwick", cat: "supplies", amount: -1284.40 }, { date: "May 22", memo: "Stripe Payouts · merchant settle", cat: "deposit", amount: 742.85 }, { date: "May 21", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2210.55 }, { date: "May 21", memo: "Con Edison · acct 8421**", cat: "rent", amount: -612.00 }, { date: "May 21", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11820.00, flag: "Payroll · 11 staff" }, { date: "May 20", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2410.00 }, { date: "May 20", memo: "Stripe · proc fees · 3.1% effective", cat: "fees", amount: -298.60, flag: "Above peer median (2.6%)" }, { date: "May 19", memo: "NSF / Insufficient funds fee", cat: "fees", amount: -34.00, flag: "5th NSF in 30 days" }, { date: "May 19", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2280.95 }, { date: "May 19", memo: "Pichardo Wholesale · flour 50ct", cat: "supplies", amount: -2840.00 }, { date: "May 18", memo: "Greenpoint Hotels · Inv #2104 (LATE)", cat: "ar", amount: 11800.00, flag: "Paid 14 days late · biggest buyer" }, { date: "May 18", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2622.30 }, { date: "May 17", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3140.45 }, { date: "May 17", memo: "Mary's Dairy · weekly delivery", cat: "supplies", amount: -812.50 }, { date: "May 16", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 3870.10 }, { date: "May 15", memo: "NSF / Insufficient funds fee", cat: "fees", amount: -34.00, flag: "Recurring fee event" }, { date: "May 15", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2410.65 }, { date: "May 15", memo: "Royal Wholesale Bakery · Inv #1102", cat: "ar", amount: 4280.00 }, { date: "May 14", memo: "AMEX Business · payment", cat: "fees", amount: -2880.00 }, { date: "May 13", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2380.00 }, { date: "May 13", memo: "Cintas · linen service", cat: "supplies", amount: -184.20 }, { date: "May 12", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2580.00 }, { date: "May 11", memo: "NSF / Insufficient funds fee", cat: "fees", amount: -34.00 }, { date: "May 10", memo: "Williamsburg Café · Inv #1098", cat: "ar", amount: 3640.00 }, { date: "May 10", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4120.00 }, { date: "May 8", memo: "Hobart service · proofer repair", cat: "equipment", amount: -1280.00 }, { date: "May 7", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11760.00 }, { date: "May 6", memo: "Pichardo Wholesale · sugar + butter", cat: "supplies", amount: -1920.00 }, { date: "May 5", memo: "NSF / Insufficient funds fee", cat: "fees", amount: -34.00 }, { date: "May 4", memo: "Stripe Payouts · merchant settle", cat: "deposit", amount: 685.10 }, { date: "May 1", memo: "Rent · 1124 Manhattan Ave LLC", cat: "rent", amount: -6800.00, flag: "Monthly rent" }, { date: "Apr 30", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 2510.00 }, { date: "Apr 29", memo: "Restaurant Depot · pull-ahead flour", cat: "supplies", amount: -4820.00, flag: "Bulk order · drove spending +6%" }, { date: "Apr 28", memo: "Stripe · proc fees · 3.1%", cat: "fees", amount: -312.40, flag: "Above peer median (2.6%)" }, { date: "Apr 26", memo: "Mary's Dairy · weekly delivery", cat: "supplies", amount: -784.50 }, { date: "Apr 24", memo: "NSF / Insufficient funds fee", cat: "fees", amount: -34.00 }, { date: "Apr 23", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11900.00 }, ], 12300), peers: buildPeers({ revenue: { you: 84200, pct: 52, tone: "neutral", blurb: "Right around the median. Atlas's revenue is on par with peer bakeries — the issue isn't the top line." }, margin: { you: 5.9, pct: 24, tone: "warn", blurb: "Bottom quartile. Margin compression is real — peer median runs 8.7%; you're at 5.9%." }, fees: { you: 3850, pct: 92, tone: "bad", blurb: "92nd percentile — you're paying more in fees than 92% of peers. Stripe at 3.1% and 5 NSF events are the two biggest drivers." }, buffer: { you: 26, pct: 18, tone: "bad", blurb: "18th percentile. Most peers carry 50+ days of buffer. Climbing back above 45 unlocks substantially better funding offers." }, }), peerCallouts: [ { icon: "dollar", metric: "Bank fees", headline: "4.2× the peer median", body: "You spend $3,850/mo on bank + processing fees. Peer bakeries spend $920. Two specific drivers: 5 NSF events in 30 days and Stripe at 3.1% effective vs. 2.6% peer median.", tone: "bad" }, { icon: "trending-down", metric: "Net margin", headline: "2.8 points below peers", body: "Bottom quartile by margin. Spending grew 6% MoM (pull-ahead flour order) while revenue stayed flat. Margin gap closes if supplies normalize next month.", tone: "warn" }, { icon: "calendar-clock", metric: "AR aging", headline: "Greenpoint paid 14d late", body: "Your largest wholesale buyer (Greenpoint Hotels, $11.8K) settled invoice #2104 14 days past terms. Their peer-cohort average is on-time. Worth flagging on the next renewal.", tone: "warn" }, { icon: "trending-up", metric: "Revenue", headline: "On par with peers", body: "At $84.2K/mo, Atlas sits right at the cohort median. The growth opportunity is wholesale: peers in your top quartile run 38% wholesale vs. your 22%.", tone: "good" }, ], copy: { pageTitleAccent: "actually did", pageSub: "Reconciled from Plaid every 6 hours. Compared to 247 NYC commercial bakeries your size.", balanceTitle: "Tight runway. Five overdrafts in the last 30.", flowTitle: "Spending crept past revenue", flowSub: "Outflows have run above inflows for 4 of the last 6 weeks.", spendTitle: "Fees and supplies are the off-pattern lines", spendSub: "Comparing your category share to the peer median.", txTitle: "38 transactions · 5 flagged", txSub: "Anything we noticed gets a yellow tag. Click a chip to filter.", insightsHeadline: "stands in its cohort.", insightsHero: "At a glance: Atlas is on par for revenue, off-pattern on fees and buffer.", }, }; // ── IMPROVING — 67d post-decline, climbing. ──────────────────────────────── const IMPROVING = { todayLabel: "Jul 16, 2026", windowLabel: "Apr 17 – Jul 16, 2026", bank: "Chase Business ····4391", balance90: buildBalance({ seed: 2207, startBal: 22500, slopePerDay: 290, overdraftDays: [12, 18, 25], // earlier in window only, none recent dailyInBoost: 380, weeklyARBoost: 1200, payrollSize: 11900, rentSize: 6800, }), overdraftDays: [12, 18, 25], weekly: buildWeekly( [19200, 19800, 20100, 21400, 21800, 22600, 23100, 23800, 24400, 25100, 25800, 26900], [19400, 18900, 19200, 19100, 19800, 19600, 20400, 20100, 21300, 20800, 21800, 21600] ), spending30d: buildSpending({ supplies: 19800, payroll: 23600, rent: 8230, fees: 1240, equipment: 2100, marketing: 3400, other: 15730, }), transactions: annotateRunning([ { date: "Jul 16", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3210.40 }, { date: "Jul 16", memo: "Williamsburg Café · Inv #1144", cat: "ar", amount: 4880.00, flag: "Paid 4 days early" }, { date: "Jul 15", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3084.50 }, { date: "Jul 15", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11890.00 }, { date: "Jul 14", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3422.10 }, { date: "Jul 14", memo: "Stripe · proc fees · 3.1% effective", cat: "fees", amount: -334.20, flag: "Above peer median (2.6%) · still" }, { date: "Jul 13", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4180.65 }, { date: "Jul 12", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4012.30 }, { date: "Jul 11", memo: "Greenpoint Hotels · Inv #2118", cat: "ar", amount: 12400.00, flag: "On time · renewed at +5%" }, { date: "Jul 11", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3140.85 }, { date: "Jul 10", memo: "Pichardo Wholesale · flour 50ct", cat: "supplies", amount: -2740.00 }, { date: "Jul 10", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3088.20 }, { date: "Jul 9", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3210.50 }, { date: "Jul 9", memo: "Mary's Dairy · weekly delivery", cat: "supplies", amount: -842.50 }, { date: "Jul 8", memo: "Newtown Wholesale (NEW) · Inv #0012", cat: "ar", amount: 6240.00, flag: "New wholesale account · 4th this quarter" }, { date: "Jul 8", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3055.00 }, { date: "Jul 7", memo: "Stripe Payouts · merchant settle", cat: "deposit", amount: 985.10 }, { date: "Jul 6", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 3940.80 }, { date: "Jul 5", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4220.10 }, { date: "Jul 4", memo: "Square Inc · Daily deposit · holiday", cat: "deposit", amount: 4880.00 }, { date: "Jul 3", memo: "Royal Wholesale Bakery · Inv #1118", cat: "ar", amount: 4520.00 }, { date: "Jul 2", memo: "AMEX Business · payment", cat: "fees", amount: -2440.00 }, { date: "Jul 1", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11820.00 }, { date: "Jul 1", memo: "Rent · 1124 Manhattan Ave LLC", cat: "rent", amount: -6800.00, flag: "Monthly rent" }, { date: "Jun 30", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3180.00 }, { date: "Jun 28", memo: "Restaurant Depot · standard order", cat: "supplies", amount: -2210.00 }, { date: "Jun 26", memo: "Mary's Dairy · weekly delivery", cat: "supplies", amount: -812.30 }, { date: "Jun 24", memo: "Con Edison · acct 8421**", cat: "rent", amount: -628.00 }, { date: "Jun 22", memo: "Stripe · proc fees · 3.1%", cat: "fees", amount: -342.10 }, { date: "Jun 20", memo: "Williamsburg Café · Inv #1131", cat: "ar", amount: 4720.00 }, { date: "Jun 18", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11750.00 }, ], 28200), peers: buildPeers({ revenue: { you: 98400, pct: 64, tone: "good", blurb: "Top tier. Up from p52 sixty days ago — the Williamsburg account and the new Newtown wholesaler did the work." }, margin: { you: 12.8, pct: 56, tone: "neutral", blurb: "Right above the peer median. Margin recovery is real: supplies normalized after the April pull-ahead, and labor stayed flat." }, fees: { you: 1240, pct: 58, tone: "warn", blurb: "Just above median. NSFs are gone (zero in 47 days). The lingering issue is Stripe at 3.1% — your one persistent fee lever." }, buffer: { you: 47, pct: 43, tone: "neutral", blurb: "Climbing — from 26 days to 47 over the quarter. Another 30 days at this rate puts you in the top tier and re-opens Revenued." }, }), peerCallouts: [ { icon: "trending-up", metric: "Revenue", headline: "Best month since opening", body: "$98.4K — up 11% MoM and 17% vs. 6-mo avg. Wholesale did the heavy lifting: the new Williamsburg account plus Greenpoint renewing at +5% combined for $22K of the lift.", tone: "good" }, { icon: "trending-up", metric: "Margin", headline: "Recovered to peer median", body: "Net margin moved from 5.9% (bottom quartile) to 12.8% (just above peer p50) in 60 days. The April flour pull-ahead is fully digested.", tone: "good" }, { icon: "dollar", metric: "Stripe fees", headline: "Still the one lever", body: "You're at 3.1% effective. Peer median is 2.6%. With $1.1M annual card volume you have the leverage — Stripe will negotiate interchange-plus above $1M.", tone: "warn" }, { icon: "calendar-clock", metric: "NSF streak", headline: "47 days clean", body: "Zero overdrafts since April 5. Every funder on Revenued's platform weighs this. Another 13 days and you cross the 60-day window most underwriters require.", tone: "good" }, ], copy: { pageTitleAccent: "is moving", pageSub: "Reconciled from Plaid every 6 hours. Sixty days of clean operating data — the trajectory is real.", balanceTitle: "Rebuilt. Buffer up 16 days in a quarter.", flowTitle: "Inflows pulled away from outflows", flowSub: "Wholesale receivables have grown three months straight.", spendTitle: "Fees are the one lever still open", spendSub: "Supplies normalized. Stripe is the persistent outlier.", txTitle: "31 transactions · 1 flagged", txSub: "Stripe processing rate is the only persistent anomaly in the last 30 days.", insightsHeadline: "is climbing the cohort.", insightsHero: "At a glance: above median on revenue and margin, near median on fees and buffer.", }, }; // ── REELIGIBLE — 142d post-decline, Mercury switch, would be approved. ───── const REELIGIBLE = { todayLabel: "Sep 29, 2026", windowLabel: "Jul 1 – Sep 29, 2026", bank: "Mercury Business ····2210", balance90: buildBalance({ seed: 9842, startBal: 38400, slopePerDay: 380, overdraftDays: [], // zero NSFs all 90 days dailyInBoost: 720, weeklyARBoost: 2400, payrollSize: 11900, rentSize: 6800, }), overdraftDays: [], weekly: buildWeekly( [24800, 25400, 26100, 26900, 27800, 28200, 28900, 29400, 30100, 30800, 31400, 32100], [20200, 19800, 20400, 20100, 20800, 20400, 21200, 20900, 21600, 21100, 21800, 21400] ), spending30d: buildSpending({ supplies: 22100, payroll: 24200, rent: 8230, fees: 28, equipment: 4200, marketing: 4400, other: 14842, }), transactions: annotateRunning([ { date: "Sep 29", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3940.80 }, { date: "Sep 29", memo: "Williamsburg Café · monthly recurring", cat: "ar", amount: 14000.00, flag: "36-mo agreement · auto-paid" }, { date: "Sep 28", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3820.10 }, { date: "Sep 28", memo: "Mercury · monthly account fee", cat: "fees", amount: -0.00, flag: "$0 — Mercury fee structure" }, { date: "Sep 28", memo: "Pichardo Wholesale · flour 50ct", cat: "supplies", amount: -2620.00 }, { date: "Sep 27", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4420.30 }, { date: "Sep 26", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4310.85 }, { date: "Sep 25", memo: "Brooklyn Café Co · Inv #2204 (NEW)", cat: "ar", amount: 6240.00, flag: "New wholesale account" }, { date: "Sep 25", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3680.20 }, { date: "Sep 24", memo: "Stripe · proc fees · 2.6% (renegotiated)", cat: "fees", amount: -284.10, flag: "Lowered from 3.1% in Aug" }, { date: "Sep 24", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3540.50 }, { date: "Sep 23", memo: "Greenpoint Hotels · Inv #2130", cat: "ar", amount: 13420.00 }, { date: "Sep 23", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3680.00 }, { date: "Sep 22", memo: "Mary's Dairy · weekly delivery", cat: "supplies", amount: -922.40 }, { date: "Sep 22", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3520.10 }, { date: "Sep 20", memo: "Square Inc · Daily deposit · weekend", cat: "deposit", amount: 4480.00 }, { date: "Sep 19", memo: "Hobart · annual service contract", cat: "equipment", amount: -2480.00, flag: "Annual paid up-front" }, { date: "Sep 18", memo: "Royal Wholesale Bakery · Inv #1140", cat: "ar", amount: 4820.00 }, { date: "Sep 18", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3620.00 }, { date: "Sep 17", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11920.00 }, { date: "Sep 15", memo: "Toast POS · subscription", cat: "marketing", amount: -169.00 }, { date: "Sep 14", memo: "Square Inc · Daily deposit", cat: "deposit", amount: 3540.00 }, { date: "Sep 12", memo: "Pichardo Wholesale · sugar + butter", cat: "supplies", amount: -1980.00 }, { date: "Sep 10", memo: "Stripe Payouts · merchant settle", cat: "deposit", amount: 1180.20 }, { date: "Sep 8", memo: "Mary's Dairy · weekly delivery", cat: "supplies", amount: -908.10 }, { date: "Sep 5", memo: "AMEX Business · payment", cat: "fees", amount: -2680.00 }, { date: "Sep 3", memo: "ADP Payroll · bi-weekly", cat: "payroll", amount:-11880.00 }, { date: "Sep 1", memo: "Rent · 1124 Manhattan Ave LLC", cat: "rent", amount: -6800.00, flag: "Monthly rent" }, { date: "Aug 31", memo: "Williamsburg Café · monthly recurring", cat: "ar", amount: 14000.00 }, ], 52200), peers: buildPeers({ revenue: { you: 112500, pct: 72, tone: "good", blurb: "Top quartile. Up from p52 in May. Three wholesale wins (Williamsburg recurring, new Brooklyn Café Co, Greenpoint renewal) put Atlas in the upper tier." }, margin: { you: 13.6, pct: 72, tone: "good", blurb: "Top quartile by margin. Bank fee elimination (Mercury switch) and renegotiated Stripe together added ~3 points to net margin year-over-year." }, fees: { you: 28, pct: 7, tone: "good", blurb: "7th percentile — Atlas now pays less in bank + processing fees than 93% of peers. Mercury at $0 and renegotiated Stripe (2.6%) are the two specific moves." }, buffer: { you: 62, pct: 62, tone: "good", blurb: "Top third. Five consecutive months without an overdraft, buffer above 60 days. This is the threshold Revenued underwriters look for on flex-line increase." }, }), peerCallouts: [ { icon: "trending-up", metric: "Revenue", headline: "Top quartile", body: "$112.5K — up 33% from the May baseline. Three wholesale wins (Williamsburg recurring, Brooklyn Café Co, Greenpoint renewal) compounded.", tone: "good" }, { icon: "dollar", metric: "Bank fees", headline: "From 92nd to 7th percentile", body: "Now $28/mo vs. $3,850/mo in May. Mercury at $0 monthly + Stripe renegotiated to 2.6%. The single biggest balance-sheet improvement of the quarter — ~$3,700/yr saved.", tone: "good" }, { icon: "calendar-clock", metric: "NSF streak", headline: "5 months clean", body: "Zero overdrafts since April. Mercury's account structure makes this almost automatic — overdraft attempts simply decline instead of incurring fees.", tone: "good" }, { icon: "trending-up", metric: "Reapproval", headline: "Revenued would fund today", body: "The flex line we declined in January would auto-approve against our current credit policy. Same product, factor 1.24 (better terms than the original 1.32).", tone: "good" }, ], copy: { pageTitleAccent: "is running clean", pageSub: "Reconciled from Plaid every 6 hours. Five months of clean operating data. You'd be approved today.", balanceTitle: "Strong runway. No overdrafts in 90 days.", flowTitle: "Inflows compounded", flowSub: "Twelve straight weeks of net positive flow — the Mercury switch did its work.", spendTitle: "Fees off the table", spendSub: "Mercury at $0/mo plus renegotiated Stripe — peer-bottom quartile now.", txTitle: "29 transactions · 0 NSF", txSub: "Every flag this month is contextual, not a problem.", insightsHeadline: "is in the top tier.", insightsHero: "At a glance: top quartile on revenue, margin, and fees. Strong buffer. Reapproval available.", }, }; window.RBI_CASHFLOW = { declined: DECLINED, improving: IMPROVING, reeligible: REELIGIBLE, };