Sales & Payments

Every finance agreement in the CRM Debtor Ledger — what was sold, how many payments actually landed against it, and what is still owed. 60,784 agreements across all studios, shoots from 2019 to 2026. Payment counts come from each booking's own finance schedule, so they are not capped at 12.

Agreements

60,784

Sale value

$159.88M

Finance written

$129.13M

Collected

$54.70M

Credits / write-offs

$21.49M

Outstanding

$52.95M

Payments taken

226,511

Declines

226,415

Card details are not on this report yet. Neither the Debtor Ledger nor the finance schedules carry a card, so the card columns in the CSV are present but empty. Filling them needs the CRM's recurring/card-on-file export (the one shown on the 12 Aug call) or a Square customer sweep. When wired they will show brand, last 4 and expiry only — not the full card number, and never the 3-digit security code, which must not be retained after a payment is authorised.

Three things the CRM data does that you should know before reading the tables.

1 — 72 mis-keyed plan lengths. Somebody typed the dollar amount into Number of Payments: A1595860 claims 500,000 payments against $1,000 of finance, and the rest follow the same tell (the count equals the finance figure). That is 0.1% of the book, but it held 542,649 of 1,081,544 raw planned payments — more than half. Anything above 60 is excluded from the "payments planned" column and from Plan vs delivered, and flagged plan_length_suspect in the CSV. Everything else about those agreements still counts.

2 — 347 agreements have no plan length recorded at all (0.6%). Same treatment: out of the planned column, in everywhere else.

3 — 910 agreements collected a negative amount ($-421,666 in total): money that went back out as a refund or reversal after the finance was written. That is the ledger's own figure, not an error, and it is why the "None" row on the payments tab shows collected below zero.

Every agreement, by city

Payments taken is counted against payments planned, so the percentage reads as "how much of the plan actually ran". Declines are shown against total attempts.

City	Agreements	Sale value	Finance written	Payments planned	Payments taken	Declines	Collected	Collected %	Outstanding
Florida	9,115	$24.82M	$19.73M	77,448	36,165 46.5%	39,202 52.0%	$9.49M	48.1%	$7.22M
Orlando	995	$2.94M	$2.38M	10,992	1,235 11.2%	949 43.5%	$284,525	11.9%	$2.00M
New York	22,821	$61.94M	$50.71M	187,314	82,017 43.4%	86,813 51.4%	$22.45M	44.3%	$16.28M
Dallas	6,160	$16.06M	$13.11M	60,066	24,679 41.0%	21,634 46.7%	$5.18M	39.5%	$6.61M
Houston	5,527	$14.49M	$11.65M	51,172	20,069 39.2%	18,794 48.4%	$4.42M	37.9%	$6.11M
Boston	4,051	$10.01M	$7.65M	36,639	18,436 50.1%	13,354 42.0%	$3.61M	47.2%	$3.48M
Nashville	2,805	$6.87M	$5.61M	28,246	10,080 35.7%	10,075 50.0%	$1.99M	35.4%	$3.42M
Chicago	1,721	$4.52M	$3.57M	17,899	4,311 24.1%	4,400 50.5%	$849,402	23.8%	$2.61M
Atlanta	7,589	$18.21M	$14.73M	69,119	29,519 42.5%	31,194 51.4%	$6.43M	43.6%	$5.22M
TOTAL	60,784	$159.88M	$129.13M	538,895	226,511 41.8%	226,415 50.0%	$54.70M	42.4%	$52.95M

By year of sale

An agreement belongs to the year of its shoot — the day the finance was written. Recent years collect less simply because their plans are still running.

Year	Agreements	Sale value	Finance written	Payments planned	Payments taken	Declines	Collected	Collected %	Outstanding
2026	7,979	$22.26M	$17.98M	82,829	13,256 16.0%	10,978 45.3%	$2.82M	15.7%	$14.43M
2025	10,987	$28.56M	$22.98M	106,262	46,344 43.6%	53,003 53.4%	$9.51M	41.4%	$12.16M
2024	11,053	$26.89M	$21.30M	100,263	52,299 52.1%	45,032 46.3%	$10.54M	49.5%	$8.98M
2023	9,669	$25.19M	$20.47M	86,916	40,732 46.4%	29,669 42.1%	$9.61M	46.9%	$5.96M
2022	8,164	$24.20M	$19.90M	66,946	27,923 41.3%	22,934 45.1%	$8.47M	42.6%	$4.98M
2021	7,360	$21.43M	$17.57M	56,821	25,051 44.0%	31,487 55.7%	$8.47M	48.2%	$4.31M
2020	3,093	$7.15M	$5.63M	21,593	11,356 52.2%	15,341 57.5%	$3.29M	58.5%	$1.29M
2019	2,479	$4.20M	$3.32M	17,265	9,550 53.9%	17,971 65.3%	$1.99M	60.0%	$832,865
TOTAL	60,784	$159.88M	$129.13M	538,895	226,511 41.8%	226,415 50.0%	$54.70M	42.4%	$52.95M

How many payments landed

The count Neil asked for, as a distribution. 16,624 agreements (27.3%) never made a single finance payment after the deposit.

Payments landed	Agreements	Finance written	Share of book	Collected	Outstanding	Collected %	Avg payments
None	16,624 27.3%	$35.96M	27.8%	$-330,200	$27.03M	-0.9%	0.0
1	10,609 17.5%	$21.55M	16.7%	$6.21M	$11.23M	28.8%	1.0
2	6,071 10.0%	$11.91M	9.2%	$4.52M	$5.37M	38.0%	2.0
3–5	10,358 17.0%	$20.51M	15.9%	$11.00M	$6.58M	53.6%	3.8
6–9	8,131 13.4%	$17.71M	13.7%	$13.44M	$2.33M	75.9%	7.3
10–11	5,006 8.2%	$11.60M	9.0%	$10.73M	$265,218	92.5%	10.2
12+	3,985 6.6%	$9.90M	7.7%	$9.13M	$150,229	92.3%	13.5

What the plan was written for vs what landed

Read the first two columns together: a 10-payment plan averaging 3.4 taken is a 10-payment plan that mostly did not run.

Payments the plan was written for	Agreements	Avg payments taken	Paid in full	Finance written	Collected	Collected %	Outstanding
1	3,148	1.3	2,167 68.8%	$4.47M	$2.27M	50.8%	$1.33M
2	2,155	1.6	1,474 68.4%	$2.23M	$1.27M	56.9%	$546,980
3	2,341	2.1	1,629 69.6%	$3.18M	$1.91M	60.1%	$648,788
4	2,346	2.4	1,393 59.4%	$2.66M	$1.47M	55.2%	$694,572
5	1,429	2.8	851 59.6%	$2.12M	$1.13M	53.4%	$582,925
6	5,284	3.1	3,148 59.6%	$9.06M	$4.70M	51.8%	$2.56M
7	1,254	3.2	780 62.2%	$3.39M	$1.43M	42.2%	$906,253
8	2,340	3.9	1,247 53.3%	$4.34M	$2.13M	49.1%	$1.40M
9	1,283	4.0	734 57.2%	$3.04M	$1.21M	39.9%	$944,572
10	16,244	4.5	6,586 40.5%	$37.07M	$16.50M	44.5%	$16.40M
11	254	5.2	138 54.3%	$640,464	$303,602	47.4%	$203,775
12+	22,287	4.2	8,669 38.9%	$56.39M	$20.11M	35.7%	$26.58M

Still owing

33,683 agreements carry a balance — $53.20M outstanding. This is the chase list in aggregate; the row-level detail is in the CSV.

City	Agreements	Sale value	Finance written	Payments planned	Payments taken	Declines	Collected	Collected %	Outstanding
Florida	4,536	$12.97M	$10.54M	42,020	12,458 29.5%	28,005 69.2%	$2.68M	25.5%	$7.27M
Orlando	959	$2.84M	$2.32M	10,748	1,190 11.1%	940 44.1%	$253,976	10.9%	$2.00M
New York	10,476	$28.82M	$24.14M	96,423	28,400 29.2%	60,129 67.9%	$5.96M	24.7%	$16.41M
Dallas	4,112	$10.94M	$9.06M	41,007	10,925 26.5%	17,470 61.5%	$2.09M	23.0%	$6.62M
Houston	3,710	$9.77M	$8.00M	36,017	8,318 23.1%	15,681 65.3%	$1.57M	19.6%	$6.12M
Boston	2,414	$6.14M	$4.83M	23,197	6,587 28.3%	10,257 60.9%	$1.17M	24.3%	$3.48M
Nashville	2,182	$5.36M	$4.45M	22,735	5,293 23.3%	8,960 62.9%	$952,291	21.4%	$3.42M
Chicago	1,545	$4.16M	$3.31M	16,642	3,461 20.8%	4,206 54.9%	$649,487	19.6%	$2.61M
Atlanta	3,749	$8.89M	$7.37M	36,010	9,513 26.4%	21,358 69.2%	$1.56M	21.2%	$5.27M
TOTAL	33,683	$89.90M	$74.03M	324,799	86,145 26.4%	167,006 66.0%	$16.88M	22.8%	$53.20M

Still owing, by payments made

Payments landed	Agreements	Finance written	Share of book	Collected	Outstanding	Collected %	Avg payments
None	13,142 39.0%	$27.91M	37.7%	$-97,836	$27.04M	-0.4%	0.0
1	6,033 17.9%	$13.12M	17.7%	$1.22M	$11.27M	9.3%	1.0
2	3,322 9.9%	$7.31M	9.9%	$1.36M	$5.43M	18.6%	2.0
3–5	5,310 15.8%	$11.63M	15.7%	$4.16M	$6.64M	35.8%	3.8
6–9	3,757 11.2%	$8.62M	11.6%	$5.58M	$2.37M	64.8%	7.2
10–11	960 2.9%	$2.37M	3.2%	$1.92M	$279,846	81.0%	10.5
12+	1,159 3.4%	$3.06M	4.1%	$2.74M	$173,548	89.4%	13.7

Sources: Reports/finance_cohort/ledger.json (CRM Debtor Ledger) and Reports/finance_cohort/schedules.json (per-booking finance schedules). 39 agreements have no schedule and fall back to the ledger's own payment count, which caps at 12 — they are flagged payment_count_source=ledger in the CSV. Full row-level detail (60,784 rows — carries customer names and phones, so it needs the access key): Studio1_Sales_Payments.csv.