NextGen Commercial Bank

Total Deposits

$842K

+$14,200 this month

Outstanding Loans

$1.25M

2 active facilities

Credit Line Available

$190K

Renews Jul 2026

Next Payment

$20,840

Due June 1, 2026

Recent Activity View all

ACH Transfer received — Chase Payroll

Today 9:12am

SBA Loan payment processed — $20,840

May 1

LOC draw request — $35,000 approved

Apr 28

Document uploaded — Q1 financials

Apr 25

e-Sign completed — Amendment #2

Apr 20

Loan Health

SBA 7(a) Term Loan62% paid

Line of Credit24% utilized

✦ Nova Insight

Your DSC ratio is 1.42x — comfortably above the 1.25x covenant threshold.

Business Checking

•••• •••• •••• 4821

$312,450.00

Available balance

● Active

Money Market

•••• •••• •••• 9034

$529,820.00

Available balance · 4.85% APY

● Active

SBA 7(a) Term Loan

•••• •••• •••• 7712

$1,060,000.00

Outstanding balance

● Current

Line of Credit

•••• •••• •••• 3358

$60,000 drawn

$190K available of $250K limit

● Active

Bright Horizon Bakery LLC AI Recommended

Based on our data, we recommend a Term Loan (SBA 7(a)) to Bright Horizon Bakery LLC — strong DSCR 1.42×, healthy cash flow, and existing banking relationship make this an ideal cross-sell opportunity.

SBA 7(a) Acct #7712-01 DSCR 1.42× $350,000

Line of Credit

Flexible revolving credit for working capital, inventory, and operational needs.

Up to

$500K

Rate

Prime + 1.5%

Term Loans

SBA 7(a), conventional, and SBA 504 for expansion, acquisitions, or major purchases.

Up to

$5M

Terms

Up to 25 yr

Commercial Real Estate

Purchase, refinance, or develop owner-occupied and investment properties.

Up to

$10M

LTV

Up to 80%

Equipment Financing

Finance machinery, vehicles, technology, and other business equipment.

Up to

$2M

Terms

Up to 7 yr

Asset-Backed Lending

Leverage A/R, inventory, and other assets for flexible capital solutions.

Up to

$3M

Type

Revolving

Why apply with NextGen Commercial Bank?

✓Nova AI pre-fills your application using existing account data

✓Real-time document validation — no back-and-forth delays

✓Decisions in as little as 48 hours for qualified businesses

✓Dedicated relationship manager assigned at submission

Business loan application

Pre-filled by AI from portal

Business information

Legal business name

EIN

Entity type

Business address

Industry / SIC

Years in business

Principal / guarantor

Full legal name

Date of birth

SSN (masked)

Home address

Ownership %

Loan request

Loan amount

Loan type

Term requested

Purpose

Behind the scene processing

KYC / KYB screening

Existing customer — KYC / KYB already on file

OFAC · FinCEN · TX SoS entity · Beneficial ownership — all current ✓

4 / 4 passed

Click "Run AI screening" — OFAC, FinCEN, entity verification, D&B and 7 more checks in real time

Existing customer — documents pre-loaded

NextGen AI retrieved 6 documents on file from your existing relationship. Review, confirm, or upload additional files if needed.

Documents on file

6 of 7 complete

Business Tax Return — 2023

Form 1065 · IRS filed · 3.2 MB · Verified May 2024

Verified

Business Tax Return — 2022

Form 1065 · IRS filed · 2.9 MB · Verified May 2023

Verified

Bank Statements — 12 months

Frost Bank ••••6291 · Plaid-linked · Auto-refreshed daily

Live feed

Business License — City of Austin

License #TX-0803291 · Valid through Dec 2026 · 1.1 MB

Verified

Owner ID — Maria Santos

Driver's License · Texas · DOB 04/12/1981 · KYC cleared

KYC ✓

Lease Agreement — 2847 Sunrise Blvd

Commercial lease · Expires Jan 2028 · 4.7 MB

Verified

Business Tax Return — 2024 · Required

Most recent year needed · Not yet on file

Upload additional documents Optional

Drop files or click to browse

PDF, JPG, PNG, DOCX · 2024 Tax Return required

Behind the scene processing

AI document processing

OCR + NLP

Docs

0 / 0

Processed

Fields

—

Confidence

—

Saved

Upload a document above — AI will OCR, extract fields, and validate in real time

Document checklist

Business Tax Returns (2yr)

Bank statements (12mo)

Business license

Owner ID / KYC

Lease agreement

2024 Tax Return Required

P&L statement Optional

Documents on file6 verified

Pending upload1 required

KYC / OFAC statusCleared ✓

Time saved vs manual~3 days

Ready to proceed

6 docs verified · Upload 2024 tax return to complete

James Chen (RM) has been notified · 4 documents received · AI validation running

You can upload 2024 tax return now or during underwriting

How AI underwrote this — 3 data sources, cross-validated

Source 1 — Tax returns

3yr Form 1065 OCR-extracted. AI computed DSCR, EBITDA margin, leverage ratio, and YoY growth from raw line items.

Source 2 — Frost Bank feed

24 months of live transaction data via Plaid. AI classified 1,847 transactions: payroll, COGS, rent, revenue deposits.

Source 3 — Alt data

Yelp/Google reviews (4.7★), payroll data, D&B Paydex 74. Corroboration: tax return vs bank feed within 3%.

Traditional underwriting uses only source 1 and trusts it at face value. AI cross-validates all three — if they disagree, that's the flag.

AI credit scorecard

XGBoost model · refreshed daily

/ 100

Low–medium risk

Score reflects strong DSCR (1.42×), healthy FICO (718), stable 4-year operating history, and positive cash-flow trend. Sector headwinds (food service) apply a minor downward adjustment.

DSCR (3yr avg)

1.42×

Covenant threshold: 1.20×

PD (12-month)

3.2%

Sector median: 5.8%

EWS score

Low risk (0–100 scale)

3-year financial spread — AI extracted from tax returns

Metric	FY 2023	FY 2024	FY 2025 (YTD)
Revenue	$892K	$941K	$1.03M
Gross profit	$356K	$385K	$428K
EBITDA	$143K	$156K	$171K
Net income	$89K	$98K	$112K
DSCR (with proposed P+I)	1.38×	1.42×	1.51×

DSCR stress test

AI scenario modeller

Model revenue decline to see impact on debt service coverage. Covenant requires ≥ 1.20×.

Revenue decline 0%

DSCR under scenario 1.51×

DSCR remains well above the 1.20× covenant threshold. Loan is serviceable even under moderate revenue pressure.

Covenant package — AI recommended

AI selected from library

AI matched 7 covenant clauses from the 847-clause library based on loan type (SBA 7(a)), amount ($350K), borrower profile (food service SMB), and credit approval terms.

Financial covenants (tested annually)

§4.2 DSCR ≥ 1.20× Primary covenant

Net income + D&A ÷ annual debt service. Current: 1.51× — headroom +0.31×. Tested 120 days after Dec 31 fiscal year end. 30-day cure notice.

✓ Passing

§4.3 Debt-to-equity ≤ 4.0×

Total liabilities ÷ owner equity. Current: 2.3× — headroom 1.7× below cap. Same test date as DSCR.

✓ Passing

§4.4 Current ratio ≥ 1.10×

Current assets ÷ current liabilities. Current: 1.62× — headroom +0.52×. Same test date as DSCR.

✓ Passing

Affirmative covenants (things borrower must do)

§4.5 Annual financial reporting

CPA-compiled P&L + balance sheet + signed compliance cert. Due Apr 30, 2027 (first cert). AI pre-fills cert from bank feed. 15-day cure before default.

§4.7 Insurance maintenance

GL $1M+ and property insurance on collateral ($140K replacement cost). NextGen named as loss payee and additional insured. AI renewal alert 60 days out.

Negative covenants (things borrower must not do)

§4.8 No additional debt > $25K

Lender consent required for new indebtedness >$25K. Carve-outs: trade payables, business credit cards <$10K. AI credit bureau monitoring quarterly.

§4.9 No change of ownership ≥20% SBA mandatory

SBA rule — non-negotiable. Immediate Event of Default (no cure) if breached. AI monitors TX SoS entity filings annually. Maria Santos currently 100% owner.

AI monitoring active: All 7 covenants tracked continuously via bank feed. RM auto-notified if any financial ratio drops within 15% of its floor/cap. Annual cert pre-filled from live data.

Alt-data signals

Frost Bank feed (24mo)Positive trend

Payroll consistency4 employees stable

AR turnover8 days (strong)

Yelp / Google reviews4.7 stars · 312 reviews

Tax return vs bank feedWithin 3% ✓

Traditional vs AI-first

Financial spreading< 1 hr vs 1–2 days

DSCR stress modelReal-time vs static XLS

Alt-data enrichmentAI automated vs none

Underwriting complete — awaiting credit review

AI has completed the underwriting analysis. Sarah Jones (Portfolio Manager) is reviewing the credit package and will advance this application to credit decision.

AI underwriting complete

Credit memo generated

Portfolio Manager review

Credit decision

James has been notified · awaiting Sarah's credit decision

AI model evidence — credit committee package

4 models · run 2 min ago

XGBoost EWS score

22 / 100

Low risk · below 40 threshold · daily refresh

Logistic regression PD

3.2%

12-month probability of default · sector median 5.8%

LSTM DSCR projection

1.42× avg

Covenant floor 1.20× · 60-day forward: 1.38× ✓

Alt-data confidence

94%

Bank feed vs tax return · corroborated within 3%

LGD estimate

28%

Equipment lien + personal guarantee

ECL reserve (CECL)

$3,136

PD × LGD × EAD = 0.90%

Risk-adjusted spread

2.25%

Covers CoC + expected loss

KYC/KYB: 11 checks · 10 passed · 1 amber (D&B Paydex 74 — not disqualifying) · 4.1 seconds

All critical checks passed

AI credit memo

Drafted in 23 min RM review pending

AI generated · 80% complete

CREDIT APPROVAL MEMORANDUM

Loan ID: NGB-SMB-2026-0142 · Date: May 14, 2026 · RM: Alex Rivera

Borrower

Bright Horizon Bakery LLC (EIN 47-3821654), a Texas limited liability company operating a bakery at 2847 Sunrise Blvd, Austin TX. Principal: Maria Santos (100% owner, personal guarantor, FICO 718).

Loan request

$350,000 SBA 7(a) term loan, 84-month amortization, WSJ Prime + 2.25% (currently 9.75%). Purpose: $210,000 working capital; $140,000 commercial oven and refrigeration equipment.

Financial analysis

Revenue grew from $892K (FY23) to $1.03M (FY25 annualised), representing 15.5% CAGR. EBITDA margin has expanded from 16.0% to 16.6%. DSCR of 1.42× (3yr average) comfortably exceeds the 1.20× covenant floor. AI cash-flow analysis of 24 months of Frost Bank transaction data corroborates reported income within 3%.

Risk factors

Food service sector faces elevated input cost inflation (+8.2% YoY). Single-location concentration. Owner-dependent. Partially mitigated by strong local brand (4.7 stars, 312 Google reviews) and catering contracts providing revenue predictability.

Recommendation

Approve at requested terms subject to: (1) SBA Form 1919 completion; (2) DSCR covenant of ≥ 1.20× tested annually; (3) UCC-1 lien on equipment; (4) personal guarantee from Maria Santos.

Under credit review — Sarah Jones is reviewing

Your application has been submitted to the credit committee. Sarah Jones (Portfolio Manager) is completing her review. You will be notified as soon as a decision is made.

AI underwriting complete

Credit package submitted

Credit committee review

Decision pending

Proposed structure

Amount$350,000

TypeSBA 7(a)

RatePrime + 2.25%

Term84 months

Monthly payment$5,102

SBA guaranty75% ($262,500)

CollateralEquipment + PG

DSCR covenant≥ 1.20×

Traditional vs AI-first

Credit memo23 min vs 2–3 days

Committee prepAI-formatted

Covenant modellingReal-time slider

🎉

Congratulations, Maria — your loan has been approved!

Sarah Jones (Portfolio Manager) has approved your SBA 7(a) loan application for $350,000. Your term sheet is ready to review below. Please review the terms and accept to proceed to documentation.

NextGen Bank, N.A.

SBA 7(a) Loan Commitment Letter

AI generated · May 14, 2026 DocuSign pending

Federal Truth in Lending Disclosure (Reg Z)

ANNUAL PERCENTAGE RATE

9.75%

Cost of credit yearly

FINANCE CHARGE

$78,568

Dollar cost of credit

AMOUNT FINANCED

$350,000

Credit provided

TOTAL OF PAYMENTS

$428,568

Amount paid back

Parties

LenderNextGen Bank, N.A. · Austin, TX

BorrowerBright Horizon Bakery LLC (EIN 47-3821654)

GuarantorMaria Santos (100% personal guarantee)

SBA guaranty75% ($262,500) — approved

Loan terms

Principal amount$350,000.00

Interest rateWSJ Prime (8.50%) + 2.25% = 9.75% p.a.

Loan typeSBA 7(a) term loan

Term / amortization84 months (7 years)

Monthly payment$5,102 (P + I)

First payment dueJuly 1, 2026

Maturity dateJune 1, 2033

Prepayment penaltyNone

Use of proceeds

Working capital$210,000 (60%)

Commercial oven & equipment$140,000 (40%)

Disbursement methodACH credit to Frost Bank ••••6291

Financial covenants

DSCR (annual test)≥ 1.20× (current: 1.42×)

Annual financial statementsWithin 120 days of fiscal year end

Material adverse changeNotification required within 5 days

Collateral & security

Equipment lienUCC-1 on oven + refrigeration assets

Personal guaranteeMaria Santos — unlimited, unconditional

Fees

SBA guaranty fee$7,875 (3.5% of guaranteed portion)

Origination feeNone

⚠ COMMITMENT LETTER — Electronic signatures required before this agreement becomes binding · App ID: NGB-SMB-2026-0142

Payment schedule preview

Month	Payment	Principal	Interest	Balance
1	$5,102	$2,256	$2,844	$347,744
2	$5,102	$2,274	$2,828	$345,470
3	$5,102	$2,293	$2,809	$343,177
12	$5,102	$2,480	$2,622	$322,411
24	$5,102	$2,737	$2,365	$289,163
84	$5,061	$5,020	$41	$0

Closing document package

AI generated — 5 of 6 docs

AI draft › Redline complete › Borrower accepted › RM approved › Legal cleared › e-Sign in progress

AI generated · $350,000 · 9.75% · 84 months · awaiting e-signature

Clauses: §2.1 · §3.1 · §8.2

DocuSign sent

AI generated · SBA 7(a) form · covenants included

Clauses: §4.2 · §4.5 · §5.1 · §9.1 · §10.1 · §11.1 · §S1.1 · §S2.1 · §S3.1

DocuSign sent

Personal guarantee — Maria Santos

Unlimited, unconditional guarantee · AI generated

Clauses: §6.1 · §S3.1

DocuSign sent

UCC-1 financing statement

AI files electronically with TX Secretary of State · Equipment collateral

Clauses: §7.1

Filed · TX SoS #26-0142

SBA Form 750 — loan guaranty agreement

SBA guaranty 75% · $262,500

Clauses: §9.1 · SBA SOP 50 10 7.1

SBA approved

Insurance certificate

Commercial property + liability — NextGen Bank as additional insured

Required per §12.1 (Reg Z) · pending borrower

Pending borrower

AI clause selection — covenants, loan clauses & policy refs

7 covenants · 12 loan clauses · 3 shared · 8 policy refs · 23 variables auto-populated · 2 flagged · 1 attorney required

Conditions precedent

KYC / AMLComplete

Credit approvalApproved

SBA authorizationReceived

Borrower e-signatures4 of 5 signed

UCC-1 lien filedTX SoS confirmed

Insurance certPending

Disbursement order

AI rail selection

$350,000.00

Bright Horizon Bakery LLC → Frost Bank ••••6291

SBA 7(a) · NGB-SMB-2026-0142 · Same-day ACH

Awaiting RM approval

Payment railACH same-day (NACHA)

SettlementToday by 5:00 PM CT

GL bookingAuto-posted on execution

SBA guaranty fee$7,875 via FedWire to SBA

Loan IDNGB-SMB-2026-0142

Dual-approval required. Alex Rivera (RM) must approve, then Payments Ops executes ACH batch.

Amortisation schedule generated

Month	Payment	Balance
1	$5,102	$347,744
12	$5,102	$322,411
24	$5,102	$289,163
36	$5,102	$251,847
48	$5,102	$210,218
60	$5,102	$163,920
84	$5,061	$0

Loan servicing dashboard

Outstanding balance

$347,744

After month 1

Monthly ACH debit

$5,102

Auto-debit 1st of month

DSCR (live)

1.51×

Covenant: ≥ 1.20×

ACH debit accountFrost Bank ••••6291

Next payment dueJuly 1, 2026 — $5,102

EWS score22 — low risk (refreshed weekly)

Covenant testAnnual — due Apr 30, 2027

Annual reviewAI pre-fills 80% of next review

AI monitoring

Live · updated 4 min ago

Cash-flow trend: positive

Frost Bank feed shows revenue 6% above plan YTD

Payment 1 received on time

$5,102 ACH debit cleared July 1

Annual covenant cert

Due Apr 30, 2027 — AI will pre-fill from bank feed

Traditional vs AI-first

Covenant monitoringContinuous vs annual

Payment processingAuto ACH vs manual

Early warning60–90 days early

Annual reviewAI pre-fills 80%

Fast-forward to loan payoff

Simulate 84 months passing — Maria pays off the loan in full, lien is released, AI triggers a $500K line of credit offer.

Payoff & close-out

AI calculates per-diem quote

Payoff quote (month 84)

$5,020

Principal + per-diem interest

Prepayment penalty

None

SBA 7(a) — no prepay fee

Loan maturity

June 1, 2033

84 months from origination

Total interest paid$78,568 over loan life

Total payments made84 monthly ACH debits

Payoff methodFedWire or ACH from Frost Bank

UCC-3 lien releaseAI files electronically — same day

Lien release letterAuto-generated and mailed to Maria Santos

Close-out checklist

Final payment received

$5,061 ACH debit cleared · June 1, 2033 · balance $0

Complete

Loan marked paid-in-full in core banking

GL entry auto-posted · NGB-SMB-2026-0142 closed

Auto-posted

UCC-3 termination filed

AI filed electronically with TX Secretary of State · same day as payoff

TX SoS confirmed

Lien release letter generated & sent

AI-generated · mailed to Maria Santos at 2847 Sunrise Blvd

Sent

AI upsell trigger fired

RM Alex Rivera notified: Bright Horizon eligible for $500K line of credit — strong 7yr payment history, revenue grown to est. $1.8M

RM alerted

7-year loan summary

Loan originatedMay 2026

Loan closedJune 2033

Total funded$350,000

Total repaid$428,568 (P + I)

Missed payments0

Covenant breaches0

EWS — peak score31 (Year 3 supply shock)

Bright Horizon Bakery is now a prime candidate for a $500K revolving line of credit. AI pre-approves based on 7yr payment history.

Traditional vs AI-first

Payoff calculationSelf-serve AI vs call loan ops

Lien releaseSame-day vs 5–10 days manual

Next product offerAI-triggered vs reactive

Active Loan

SBA 7(a) Term Loan — Kitchen & Equipment Expansion

Loan #NGB-2024-00841 · Originated Mar 14, 2024

● Active / Current

Original Amount

$285,000

Outstanding Balance

$231,408

Monthly Payment

$8,832

Next Payment Due

Jun 1, 2026

Repayment Progress — 19 of 120 payments made

18.8% paid off

Rate: Prime + 2.75% (current 11.25%)

Term: 10 years (matures Mar 2034)

Collateral: Commercial kitchen equipment + PP&E

Guarantee: SBA 75% + Personal guarantee (M. Santos)

Pending Application

SBA 7(a) Term Loan — Second Location Build-Out (Lakeview)

Application #APP-2026-0417 · Submitted Apr 17, 2026

⏳ Under Review

Application
Received

Docs
Verified

Credit
Review

SBA
Submission

Approval &
Commitment

Closing &
Funding

Status Update (May 20, 2026): Application package submitted to SBA regional office. Estimated SBA review: 5–7 business days. Your RM James Harrington will notify you immediately upon approval.

Requested: $420,000

Term: 10 years

Use of Funds: Lakeview storefront TI + equipment

✦

Nova — AI Banking Advisor

NextGen Bank · Commercial Banking

Live

✦

Hello! I'm Nova, your AI banking advisor. I have full context on your Bright Horizon Bakery accounts, loan history, and credit profile. How can I help you today?

Your Profile

Credit Score 718 Good

Years in Business 4 yrs 2 mo

Annual Revenue $1.03M

DSCR 1.42×

Est. Borrowing Cap $420,000

Active Items

SBA 7(a) Application

$350,000 · In progress

e-Sign Center

1 document awaiting signature

Loan NGB-SMB-2026-0142

Stage 4 of 9 — Credit decision

Nova Can Help With

📊 Rate & term comparison

🏠 Collateral assessment

🧮 Payment calculator

🔄 Refinance analysis

SBA 7(a) #NGB-2024-00841

Pending — Lakeview #APP-2026-0417

Next Payment

$8,832

due Jun 1, 2026

Principal$5,964

Interest$2,868

Auto-PayEnabled ✓

Auto-pay set from Checking ••3847 — no action needed.

Payment History — Last 5 Payments

May 1, 2026$8,832● On Time

Apr 1, 2026$8,832● On Time

Mar 1, 2026$8,832● On Time

Feb 1, 2026$8,832● On Time

Jan 1, 2026$8,832● On Time

Loan Covenants & Compliance

DSCR Covenant — Minimum 1.20×

Current DSCR: 1.42× (Q1 2026 — Verified via Plaid bank feed)

Compliant

Annual Revenue — Minimum $850K

2025 Revenue: $1,031,400 (2025 Tax Return on file)

Compliant

Annual Compliance Certificate — Due Jun 9, 2026

Pre-filled by AI from bank data. Pending your e-signature (18 days remaining).

Action Needed

Action Required

Annual Compliance Certificate — Loan #NGB-2024-00841

Sent by James Harrington (RM) · May 21, 2026 · Due Jun 9, 2026

Awaiting Signature

What's included: DSCR certification (1.42×, Q1 2026), revenue attestation ($1.03M, 2025), and no material adverse change declaration. Pre-filled by AI from Plaid data — review then sign.

SBA Authorization & Loan Agreement — Lakeview Expansion (#APP-2026-0417)

Pending SBA approval · Will be sent for signature upon commitment letter issuance

Pending Approval

Completed — Last 90 Days

Document	Signed By	Date	Status
Lakeview Expansion — Personal Guarantee	Maria Santos	Apr 17, 2026	● Complete
Lakeview Expansion — Business Loan Application (SBA Form 1919)	Maria Santos	Apr 17, 2026	● Complete
ACH Auto-Pay Authorization — Loan #NGB-2024-00841	Maria Santos	Mar 1, 2026	● Complete

Business Revolving LOC · Acct ••7291

$75,000 facility

Originated Jan 8, 2026 · Renews Jan 8, 2027 · Rate: Prime + 1.50% (10.00%)

Available to Draw

$51,200

$23,800 currently drawn

Utilization

$23,800 drawn$75,000 limit

31.7% utilized — healthy

Current Draw PurposeSysco & supplier net-terms gap

Monthly Interest~$198

Min. Monthly PaymentInterest only

Draw or Repay

Amount

Transfer to / from

Recent LOC Activity

Date	Description	Amount	Balance
May 14, 2026	Draw — Sysco Foods large order (seasonal)	+$18,000	$23,800
May 1, 2026	Repayment — grocery chain AR receipt	-$10,000	$5,800
Apr 19, 2026	Draw — Midwest Fresh Produce mid-month gap	+$15,800	$15,800
Apr 2, 2026	Full repayment — Q1 close	-$22,400	$0

Bright Horizon Bakery LLC — Treasury

Maria Santos · Owner · Acct #7712-01 · As of May 22, 2026 · 10:14 AM CT

DSCR

1.42×

Above 1.20× covenant floor

Total Cash Position

$842K

Checking $312K · MM $530K

Money Market Yield

4.85%

$529,820 earning daily · ••9034

LOC Utilization

24%

$60K drawn · $190K available

Next Loan Payment

$9,282

Due Jun 1 · SBA 7(a) + LOC interest

Account Positions — Bright Horizon Bakery LLC

Cash & Deposit Accounts ● Live

Business Checking — NextGen

••••4821 · USD · Operating

$312,450

+$8,200 today

Money Market — NextGen

••••9034 · 4.85% APY · Daily liquidity

$529,820

+$70/day interest

Frost Bank — External (linked)

••••6291 · Plaid feed · Consolidation candidate

~$41,800

Est. balance (Plaid)

Frost Bank balance synced via Plaid · Last sync 8 min ago · Consolidate to NextGen →

Loan & Credit Positions View schedule

SBA 7(a) Term Loan — ••••7712

7.25% fixed

$1,060,000 outstanding$8,832/mo paymentNext: Jun 1

Line of Credit — ••••3358

24% utilized

$60K drawn$190K available of $250KPrime +1.5%

Combined Jun 1 payment: $9,282 (SBA $8,832 + LOC interest $450)

Bakery Cash Flow — May 2026 Forecast

Cash Flow Forecast

Plaid bank feed + net-60 AR model · AI predictive (bakery seasonality)

+$298K

Restaurant inflows

-$184K

Supplier + payroll

+$114K

Net (30d)

Working Capital Gap — May Analysis Bakery seasonality

Restaurant AR receipts

Actual $298K vs forecast $285K · Net-60 collections on time

+$13K

Sysco & supplier payments

Actual $112K vs forecast $98K — ingredient price variance

-$14K

Payroll — 18 FT, 6 PT employees

$72,400 bi-weekly · ACH batch · On schedule

$72.4K

AI insight: Net-60 AR gap is manageable with current LOC headroom ($190K available). Q3 grocery chain payments ($3 chains) expected Jun 15–30.

Investments & Interest Rate Risk

Money Market — ••••9034

Business Money Market

NextGen Bank · Daily liquidity · FDIC insured

4.85% APY

$529,820 balance

Est. monthly interest earned ~$2,141

Annual interest (projected) ~$25,695

Rate type Variable — tracks Fed Funds

Move excess to 90-day CD at 5.10% → earn ~$900 more/yr on $200K

Interest Rate Sensitivity

SBA 7(a) — ••••7712 7.25% fixed · No rate risk

LOC — ••••3358 (floating) Prime +1.5% = 9.0%

Current LOC interest/mo $450 (on $60K drawn)

+100bps rate shock impact +$50/mo ($600/yr)

Liquidity Health

/ 100

Strong — $842K cash, $190K LOC headroom, low rate exposure. Domestic operations, no FX risk.

Bright Horizon Bakery LLC — Payments

Maria Santos · Owner · From: Business Checking ••••4821 · May 2026

MTD Payments

$289K

Payroll + Sysco + misc vendors

ACH Processed (MTD)

$217K

3 batches · payroll + Sysco

Wires Sent (MTD)

No wires this month

RTP / FedNow

$22K

1 urgent supplier payment

Pending Approvals

Sysco $42.8K + payroll $72.4K

Initiate Payment

Select payment rail

ACH / Batch

Standard (1-2d) or Same-Day

Wire Transfer

Fedwire · SWIFT/ISO 20022

RTP / FedNow

Instant · 24/7 · Irreversible

Book Transfer

Internal · Instant · No fee

Standard ACH: Settles 1–2 business days. Batch cutoff 6:00 PM ET. Same-Day ACH available for domestic vendor payments and payroll — cutoffs 10:30 AM / 2:45 PM ET.

From Account

Amount

Beneficiary Name

Routing / Account #

Memo / Invoice Reference

Dual-approval required for payments > $25K. Maria Santos will be notified by email & SMS.

Pending Approvals 2 pending

Sysco Foods Inc.

$42,800

ACH Same-Day · INV-2026-441 · May deliveries Awaiting approval

Payroll — 18 FT, 6 PT

$72,400

ACH batch · 24 employees · Pay date Jun 1 Scheduled Jun 1

Positive Pay active — 0 exception items · All recent checks matched

Payment Rail Reference

ACH / Batch

Standard1–2 business days

Same-DaySame business day

Limit$1M per item

Use caseVendors, payroll

Wires

DomesticFedwire / CHIPS

InternationalSWIFT / ISO 20022

SettlementSame-day (domestic)

Use caseHigh-value, cross-border

RTP / FedNow

SettlementInstant · 24/7/365

Reversible?No — final

Limit (RTP)$1M per txn

Use caseUrgent / time-sensitive

Book Transfer

SettlementInstant

FeeZero

ScopeSame institution only

Use caseInternal sweeps, pooling

Recent Payments — Bright Horizon Bakery LLC

Date	Beneficiary	Rail	Amount	Status
May 22	Payroll — 18 FT + 6 PT employees	ACH Batch	$72,400	● Settled
May 19	Midwest Fresh Produce — urgent reorder	RTP Instant	$22,150	● Settled
May 15	Sysco Foods Inc. — INV-2026-398	ACH Same-Day	$38,920	● Settled
May 8	Payroll — 18 FT + 6 PT employees	ACH Batch	$72,400	● Settled
May 5	Golden State Flour Co. — monthly order	ACH Standard	$12,800	● Settled
May 1	NextGen Bank — SBA 7(a) loan payment	Book Transfer	$8,832	● Settled

Loan Documents

Document	Loan / Account	Date	Status
SBA 7(a) Loan Agreement — NGB-2024-00841	Kitchen Expansion	Mar 14, 2024	● Executed
Personal Guarantee — Maria Santos	Kitchen Expansion	Mar 14, 2024	● Executed
UCC-1 Financing Statement — Equipment Lien	Kitchen Expansion	Mar 20, 2024	● Filed
LOC Agreement — Revolving Facility ••7291	Line of Credit	Jan 8, 2026	● Executed
Annual Compliance Certificate — 2026 (pre-filled)	Kitchen Expansion	May 21, 2026	⏳ Awaiting Signature

Tax & Financial Statements

Document	Period	Uploaded
Business Tax Return (Form 1120-S)	FY 2025	Apr 10, 2026
Business Tax Return (Form 1120-S)	FY 2024	Mar 22, 2025
P&L Statement — Internally Prepared	Q1 2026 (Jan–Mar)	Apr 18, 2026
Business Formation — Articles of Incorporation (LLC)	Jan 2022	Mar 14, 2024

Line of Credit application coming soon

Client	Product(s)	Est. value	Stage	Score	Days in stage	Banker action
Apex Manufacturing Industrial	Acq. Loan SBA 7(a)	$1.8M	Credit review	74	12
Westside Dental Group Healthcare	CRE Term loan	$2.1M	Credit review	68	18
Bright Horizon Bakery Food service · SBA 7(a) $350K	SBA 7(a)	$350K	Underwriting	91	2	Nova's reasoning
Green Valley Nursery Retail	LOC	$150K	Onboarding	95	3
Bright Horizon Bakery — Lakeview Food service · expansion	SBA 7(a)	$420K	SBA Review	82	36

Client

Product(s)

Est. value

Stage

Score

Days in stage

Banker action

Apex Manufacturing

Industrial

Acq. Loan SBA 7(a)

$1.8M

Credit review

Westside Dental Group

Healthcare

CRE Term loan

$2.1M

Credit review

Bright Horizon Bakery

Food service · SBA 7(a) $350K

SBA 7(a)

$350K

Underwriting

Nova's reasoning

Green Valley Nursery

Retail

LOC

$150K

Onboarding

Bright Horizon Bakery — Lakeview

Food service · expansion

SBA 7(a)

$420K

SBA Review

Good morning, James 👋

RM Channel · NextGen Commercial · Friday, May 22, 2026

Pipeline value

$6.4M

8 active opportunities

Discoveries this month

12 signals captured

NBA alerts

3 urgent · 2 opportunity

Top NBA actions

Covenant review — Bright Horizon Bakery

Annual DSCR cert due in 18 days. Pre-fill available via bank feed.

Urgent · Due Jun 9

Cross-sell — Summit Ridge Logistics

AI detected fleet replacement signal. Leasing opportunity ~$340K.

Opportunity · Score 79

Annual review — Westside Dental Group

No contact in 47 days. Q1 financials received. Schedule review.

Nurture · 47 days since contact

Recent discovery signals

Summit Ridge Logistics — "Two trucks need replacing, about $80K each"

Small ticket leasingEquipment finance

Coastal Produce Co. — "Grocery chain pays net 60, we pay suppliers in 15 days"

LOC — score 88Receivables discounting

Apex Manufacturing — "Looking at acquiring a smaller competitor"

Acquisition loanSBA 7(a)

Bright Horizon Bakery — "Still writing checks for vendor payments"

ACH originationPositive pay

Pipeline funnel

Discovery 3 · $1.5M

KYC 2 · $680K

Credit review 2 · $3.9M

Approved 1 · $28K

Expiring loans 2 clients From Portfolio Manager

Upcoming renewals 2 clients From Portfolio Manager

Cross-sell opportunities 3 clients From Portfolio Manager

Discovery

AI-assisted client needs discovery · RM co-pilot active

AI pre-meeting brief — Coastal Produce Co.

Generated 08:14 today

Last contact

May 14 · 22 days ago

Open signals

3 unconfirmed domains

Industry news

Food dist. margins up 4% Q1

Suggested opener: Ask about Q1 performance given food dist. margin improvement — opens financial signals domain naturally.

Coastal Produce Co.

$6.1M revenue · Food distribution · B2B · Austin TX · 9 years

Discovery in progress

James (RM)

Tell me about the business — who are your main customers and how does the cash flow work?

Client

We sell to about 40 restaurants and 3 regional grocery chains. Been running 9 years. Around $6 million last year. The grocery chains take forever to pay — net 60 mostly. We pay our suppliers in 15 days though.

AI co-pilot

Signals: B2B, 9yr history, $6M revenue, 60-day AR vs 15-day AP → strong working capital gap. Suggest: ask about total AR balance and Q1 cash pressure.

AI co-pilot

Listening

Metric	FY2023	FY2024	Trend	Policy floor	Status
Revenue	$5.4M	$6.1M	↑ 13%	—	Strong
Gross margin	22.4%	24.1%	↑ 1.7pp	—	Improving
EBITDA	$486K	$598K	↑ 23%	—	Strong
DSCR	1.31×	1.44×	↑	1.20×	✓ Pass
Debt / EBITDA	2.8×	2.4×	↓ improving	<4.0×	✓ Pass
Current ratio	1.42	1.38	↓ slight	1.20	✓ Pass
AR days (DSO)	54	61	↑ worsening	—	⚠ Watch
Revenue vs deposits	—	-18%	—	±10%	⚠ Flag

Client	Product(s)	Est. value	Stage	Score	Days	Next action
Coastal Produce Co. Food distribution	LOC AR Disc.	$750K	Discovery	88	2	Send doc request
Summit Ridge Logistics Transportation	Leasing Equip.	$340K	KYC	79	5	UBO docs pending
Apex Manufacturing Industrial	Acq. Loan SBA 7(a)	$1.8M	Credit review	74	12	Underwriter assigned
Bright Horizon Bakery Food service	ACH Positive pay	$28K/yr	Approved	91	1	Setup call scheduled
Westside Dental Group Healthcare	CRE Term loan	$2.1M	Credit review	68	18	Appraisal ordered
Green Valley Nursery Retail	LOC	$150K	Onboarding	95	3	Docs to e-sign