Finance written vs collected

Debt pattern — the sheet's own layout, rebuilt from the CRM

One block per city, exactly as the DEBT Pattern MASTER tab lays it out: the month the debt was written down the side, months 1–12 across, then After 12 and the running Collected total. Same city grouping as the sheet — Dallas and Houston combined as TX. Every cell is that month's cash as a share of that month's finance written, so the Boston Jul 2024 row answers "we wrote $196,612, how much of it came back". Gross cash in; chargebacks are held out and reconciled on each city tab. Faded rows are under 12 months old and cannot be compared with a settled month.

These are close to the sheet but not identical, and I can't yet tell you why. Boston Jul 2024, sheet vs this report: month 1 1.22% / 1.18% · m2 9.46% / 9.11% · m3 9.11% / 8.59% · m4 7.82% / 7.34% · m5 7.12% / 6.67% · m6 5.81% / 5.62% · m7 5.18% / 5.01% · m8 4.44% / 4.30%. Months 1–8 sit within half a point. The totals differ — sheet 67.02%, this report 65.09% — and the sheet's own row does not add up to its own total: its twelve monthly cells sum to 62.82%, leaving 4.20% unaccounted for against the 67.02% it prints. Until the sheet itself can be read rather than a screenshot of it, that gap is not something I can close honestly. Share it with studio1-automation@studio1-automation.iam.gserviceaccount.com and this becomes a generated comparison instead of a typed one.

NYC — New York · $50,706,433 written · 22,819 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jan 2021	$404,703	7.23%	14.57%	14.13%	6.05%	5.98%	3.73%	2.06%	2.16%	1.30%	0.99%	0.82%	0.78%	4.59%	64.39%
Feb 2021	$455,654	6.74%	16.79%	8.58%	5.50%	4.81%	2.95%	3.65%	1.59%	1.14%	2.08%	1.26%	1.00%	3.86%	59.95%
Mar 2021	$638,372	7.26%	8.84%	6.29%	4.40%	4.87%	2.55%	2.87%	1.59%	1.54%	1.41%	1.34%	1.02%	3.06%	47.06%
Apr 2021	$703,317	4.60%	10.47%	6.30%	5.80%	4.10%	2.95%	2.27%	2.31%	2.07%	1.57%	1.23%	0.85%	3.58%	48.09%
May 2021	$1,241,915	6.93%	9.59%	6.10%	5.08%	3.41%	3.21%	2.52%	1.76%	1.60%	1.33%	1.25%	0.78%	3.96%	47.52%
Jun 2021	$1,373,515	4.41%	10.56%	5.84%	4.92%	2.91%	2.14%	2.20%	1.51%	1.48%	1.14%	0.96%	0.78%	3.37%	42.21%
Jul 2021	$1,387,107	3.74%	9.69%	5.61%	4.86%	3.41%	2.75%	2.56%	1.81%	2.05%	1.33%	1.29%	0.58%	4.14%	43.83%
Aug 2021	$1,320,437	4.55%	8.89%	5.68%	5.43%	3.71%	2.91%	2.83%	2.11%	1.99%	1.67%	1.26%	0.98%	5.55%	47.56%
Sep 2021	$1,065,171	4.56%	9.54%	7.76%	5.38%	4.15%	4.52%	3.67%	2.85%	2.10%	1.46%	1.15%	0.59%	3.66%	51.37%
Oct 2021	$1,185,382	6.08%	9.98%	6.75%	4.83%	4.27%	3.61%	3.47%	2.24%	1.70%	1.23%	0.99%	0.65%	3.56%	49.37%
Nov 2021	$1,112,977	5.67%	7.31%	5.47%	4.21%	4.47%	3.22%	2.45%	2.46%	1.74%	1.55%	1.34%	1.02%	4.66%	45.55%
Dec 2021	$890,998	4.46%	9.03%	5.68%	4.91%	3.66%	2.37%	2.49%	1.52%	1.70%	1.35%	1.05%	0.63%	4.03%	42.87%
Jan 2022	$921,967	7.61%	8.99%	7.14%	6.25%	3.78%	3.13%	3.38%	2.16%	1.80%	1.42%	0.93%	0.98%	3.82%	51.38%
Feb 2022	$1,193,781	4.47%	10.26%	5.77%	4.64%	3.33%	2.95%	2.60%	1.78%	1.62%	1.16%	1.22%	0.78%	2.31%	42.90%
Mar 2022	$1,246,293	4.89%	9.46%	5.55%	4.26%	3.02%	2.22%	1.72%	2.03%	1.47%	1.46%	1.24%	1.04%	3.05%	41.41%
Apr 2022	$1,083,223	3.42%	9.16%	4.77%	3.76%	2.81%	2.55%	2.39%	1.50%	1.41%	1.55%	0.95%	1.04%	3.32%	38.62%
May 2022	$981,392	3.28%	8.62%	5.26%	3.16%	2.17%	2.29%	1.76%	1.38%	1.26%	1.18%	1.20%	0.92%	1.87%	34.36%
Jun 2022	$743,787	5.04%	6.48%	4.21%	3.26%	3.02%	2.77%	1.89%	2.05%	1.59%	1.54%	1.17%	0.84%	2.80%	36.66%
Jul 2022	$1,115,392	4.03%	7.76%	6.31%	5.20%	2.84%	2.41%	1.98%	2.06%	2.18%	1.59%	1.23%	0.83%	2.84%	41.23%
Aug 2022	$912,027	3.91%	9.36%	6.11%	5.11%	4.26%	3.41%	2.81%	2.57%	1.94%	1.45%	1.62%	0.60%	2.45%	45.60%
Sep 2022	$937,149	5.10%	7.75%	5.71%	3.81%	3.55%	1.82%	2.35%	1.67%	1.50%	1.55%	1.15%	0.83%	3.55%	40.34%
Oct 2022	$949,854	4.14%	7.48%	6.62%	4.30%	3.77%	3.15%	3.36%	2.32%	1.69%	1.54%	1.28%	0.83%	2.87%	43.36%
Nov 2022	$861,528	5.34%	9.06%	5.65%	4.54%	3.80%	2.93%	2.45%	1.70%	1.29%	1.88%	0.95%	0.73%	3.09%	43.43%
Dec 2022	$672,149	2.98%	8.18%	6.19%	5.16%	4.68%	3.04%	3.14%	2.49%	1.98%	1.68%	1.22%	0.90%	2.74%	44.38%
Jan 2023	$839,342	4.63%	9.06%	7.95%	4.45%	3.85%	3.38%	2.94%	1.82%	2.24%	1.45%	1.15%	0.69%	3.03%	46.64%
Feb 2023	$689,432	4.17%	7.79%	6.40%	5.19%	4.06%	2.32%	2.03%	1.57%	1.73%	0.89%	0.92%	0.60%	2.60%	40.26%
Mar 2023	$715,872	5.50%	8.89%	7.51%	4.62%	4.60%	3.58%	2.55%	2.19%	1.31%	1.27%	1.00%	1.17%	2.66%	46.86%
Apr 2023	$540,467	4.29%	10.16%	5.29%	3.68%	3.17%	2.68%	1.85%	1.87%	1.66%	1.25%	1.09%	1.10%	5.30%	43.39%
May 2023	$523,938	3.78%	7.37%	4.23%	3.87%	4.50%	3.37%	3.03%	2.14%	2.01%	1.62%	1.42%	1.38%	4.22%	42.93%
Jun 2023	$533,556	4.97%	9.40%	6.05%	4.54%	3.92%	2.48%	2.51%	2.25%	1.73%	1.60%	1.36%	0.87%	3.30%	44.98%
Jul 2023	$491,227	2.28%	8.89%	4.57%	4.33%	3.57%	4.41%	3.30%	2.48%	2.19%	1.98%	1.44%	1.31%	4.07%	44.82%
Aug 2023	$532,078	3.05%	8.37%	6.16%	4.27%	4.12%	3.62%	3.27%	1.61%	1.83%	2.87%	1.63%	1.49%	4.26%	46.56%
Sep 2023	$546,456	4.41%	9.53%	4.78%	3.93%	3.56%	3.59%	2.36%	2.32%	1.16%	1.11%	1.12%	0.98%	3.60%	42.45%
Oct 2023	$521,691	2.24%	9.31%	7.99%	5.13%	6.55%	4.57%	3.11%	1.95%	1.42%	2.12%	0.95%	0.71%	2.59%	48.64%
Nov 2023	$469,175	2.41%	7.75%	4.02%	3.77%	2.67%	2.33%	2.73%	1.53%	2.04%	1.49%	1.50%	1.22%	4.13%	37.60%
Dec 2023	$301,825	2.20%	7.22%	6.02%	4.61%	4.63%	2.46%	2.94%	2.46%	2.12%	1.67%	1.93%	1.65%	4.08%	44.00%
Jan 2024	$447,312	0.87%	7.77%	4.82%	5.02%	4.37%	3.79%	3.78%	2.96%	3.21%	2.49%	2.72%	2.23%	7.94%	51.97%
Feb 2024	$451,945	0.35%	6.11%	5.03%	4.63%	3.84%	3.78%	3.15%	3.15%	3.37%	3.36%	2.22%	2.04%	5.92%	46.96%
Mar 2024	$557,325	0.31%	6.90%	5.61%	4.48%	4.72%	4.42%	3.81%	3.76%	2.99%	2.71%	2.73%	2.27%	6.74%	51.45%
Apr 2024	$525,559	1.02%	5.93%	4.70%	4.54%	3.65%	3.60%	3.48%	3.27%	2.81%	3.06%	2.36%	2.73%	6.73%	47.89%
May 2024	$573,675	1.33%	6.81%	6.00%	4.84%	4.41%	4.65%	3.47%	3.59%	3.52%	2.96%	3.03%	1.69%	5.03%	51.34%
Jun 2024	$555,709	0.16%	6.43%	5.45%	5.60%	5.21%	5.14%	4.47%	3.86%	4.02%	4.08%	3.58%	1.58%	3.63%	53.21%
Jul 2024	$554,533	0.48%	6.13%	5.30%	5.52%	4.90%	4.56%	4.99%	4.14%	3.55%	3.62%	4.06%	1.46%	5.27%	53.98%
Aug 2024	$574,796	0.31%	7.42%	5.86%	5.36%	4.46%	4.45%	3.60%	3.43%	2.62%	3.07%	2.69%	0.99%	3.08%	47.33%
Sep 2024	$508,385	0.18%	7.24%	6.00%	5.14%	4.87%	4.72%	4.70%	4.09%	4.25%	3.55%	3.76%	1.49%	4.39%	54.36%
Oct 2024	$563,751	0.16%	7.40%	5.29%	4.97%	4.46%	4.39%	3.94%	3.21%	3.29%	3.38%	2.63%	1.23%	3.37%	47.71%
Nov 2024	$529,900	1.23%	6.90%	5.82%	4.98%	5.04%	4.56%	4.01%	3.52%	2.97%	3.14%	2.87%	1.44%	4.53%	51.02%
Dec 2024	$501,116	0.23%	7.22%	5.42%	5.15%	4.20%	4.38%	3.57%	3.97%	3.73%	3.11%	2.96%	1.97%	3.76%	49.68%
Jan 2025	$528,069	0.56%	5.75%	7.08%	5.05%	4.29%	4.15%	4.17%	4.37%	3.06%	3.45%	3.05%	2.07%	5.51%	52.56%
Feb 2025	$595,634	0.22%	7.21%	5.58%	4.97%	4.18%	3.87%	3.46%	3.20%	3.09%	2.54%	2.88%	1.50%	3.68%	46.39%
Mar 2025	$595,260	0.76%	5.58%	3.96%	4.24%	4.30%	2.62%	2.88%	3.39%	2.28%	2.16%	2.01%	1.49%	3.49%	39.17%
Apr 2025	$580,535	0.71%	6.92%	5.56%	5.10%	3.62%	3.82%	3.39%	3.16%	2.79%	2.86%	2.54%	1.66%	4.05%	46.18%
May 2025	$529,080	0.15%	4.95%	5.03%	4.09%	3.94%	3.34%	2.81%	2.69%	3.03%	2.56%	2.43%	1.59%	2.87%	39.47%
Jun 2025	$485,822	0.47%	5.91%	4.41%	4.24%	4.35%	3.56%	3.51%	2.72%	2.86%	2.66%	2.83%	1.25%	2.87%	41.65%
Jul 2025	$423,281	0.59%	4.91%	4.14%	4.18%	3.47%	3.68%	3.23%	2.69%	2.42%	2.50%	2.53%	1.24%	2.36%	37.95%
Aug 2025	$502,667	1.09%	6.13%	4.34%	3.77%	3.23%	3.87%	2.99%	2.77%	2.66%	2.38%	2.29%	1.18%	1.52%	38.21%
Sep 2025	$412,983	0.11%	6.34%	4.45%	3.96%	3.91%	3.35%	3.61%	2.96%	2.43%	2.33%	2.45%	1.55%	0.19%	37.65%
Oct 2025	$418,918	0.75%	4.92%	4.82%	4.48%	3.91%	4.02%	3.46%	3.30%	3.27%	3.20%	2.50%	0.36%	0.00%	38.98%
Nov 2025	$480,766	0.22%	5.74%	4.50%	4.35%	3.23%	2.89%	2.69%	2.46%	2.60%	2.26%	0.88%	0.00%	0.00%	31.82%
Dec 2025	$397,009	0.00%	4.27%	4.43%	4.62%	4.19%	3.21%	2.83%	3.19%	2.11%	0.63%	0.00%	0.00%	0.00%	29.48%
Jan 2026	$388,969	0.09%	6.49%	5.44%	4.38%	4.53%	3.75%	4.11%	3.08%	0.61%	0.00%	0.00%	0.00%	0.00%	32.48%
Feb 2026	$284,980	0.16%	4.22%	4.20%	4.24%	2.87%	2.87%	2.20%	0.53%	0.00%	0.00%	0.00%	0.00%	0.00%	21.29%
Mar 2026	$347,803	0.83%	4.14%	3.27%	3.09%	2.43%	2.57%	0.24%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.57%
Apr 2026	$352,631	1.24%	3.46%	3.95%	3.48%	2.92%	0.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.77%
May 2026	$306,799	0.02%	4.69%	4.80%	3.94%	0.63%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.08%
Jun 2026	$272,907	2.47%	4.17%	4.21%	0.60%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.46%
Jul 2026	$329,892	1.14%	4.32%	1.51%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.96%
Aug 2026	$309,363	0.47%	0.73%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.20%
Sep 2026	$90,088	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$41,100,485	3.56%	8.43%	5.89%	4.70%	3.89%	3.25%	2.90%	2.36%	2.09%	1.87%	1.62%	1.08%	3.67%	45.30%

FL — Florida + Orlando · $22,108,367 written · 10,103 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jan 2021	$228,832	7.90%	13.24%	7.29%	8.53%	4.74%	3.08%	2.36%	1.59%	1.73%	1.29%	1.13%	1.03%	3.34%	57.25%
Feb 2021	$235,725	6.09%	13.27%	9.79%	5.68%	5.04%	4.09%	2.94%	2.58%	1.84%	2.13%	1.68%	1.53%	4.43%	61.08%
Mar 2021	$339,689	9.49%	13.36%	5.23%	5.06%	4.08%	2.82%	2.82%	2.02%	1.54%	1.05%	1.03%	0.83%	2.56%	51.91%
Apr 2021	$327,854	3.50%	12.61%	9.02%	5.78%	5.59%	3.14%	2.69%	2.76%	1.68%	1.18%	1.33%	0.67%	1.91%	51.86%
May 2021	$315,138	5.11%	13.04%	9.62%	4.19%	3.26%	2.49%	2.42%	1.73%	1.83%	1.46%	1.80%	1.10%	3.50%	51.54%
Jun 2021	$331,725	5.02%	12.64%	6.82%	4.19%	4.59%	5.05%	3.49%	2.59%	2.51%	2.01%	2.34%	1.62%	3.09%	55.96%
Jul 2021	$303,510	2.47%	11.49%	8.82%	4.29%	4.15%	3.52%	3.60%	2.68%	2.00%	2.65%	1.54%	1.39%	4.56%	53.15%
Aug 2021	$311,970	8.86%	11.29%	7.61%	4.70%	3.44%	4.18%	3.11%	2.66%	2.43%	1.69%	1.75%	1.23%	4.07%	57.03%
Sep 2021	$195,230	4.23%	10.28%	3.77%	4.25%	6.84%	3.94%	2.49%	2.97%	0.90%	0.89%	0.98%	1.28%	3.31%	46.12%
Oct 2021	$347,290	3.49%	11.30%	6.12%	5.36%	6.19%	4.62%	3.98%	4.17%	2.47%	2.81%	2.31%	1.50%	3.58%	57.90%
Nov 2021	$348,790	4.24%	7.10%	8.48%	5.86%	6.61%	4.15%	2.52%	1.88%	1.64%	1.21%	1.66%	0.73%	3.72%	49.80%
Dec 2021	$235,320	7.16%	10.62%	6.76%	5.72%	4.54%	5.12%	3.04%	2.69%	1.85%	2.22%	2.44%	1.33%	5.17%	58.66%
Jan 2022	$247,705	3.19%	7.24%	8.88%	7.95%	5.87%	4.03%	3.14%	2.59%	2.40%	2.17%	0.71%	1.12%	4.11%	53.41%
Feb 2022	$264,630	5.65%	10.83%	6.56%	5.21%	2.57%	2.78%	4.51%	2.11%	1.71%	2.08%	1.51%	0.70%	3.11%	49.34%
Mar 2022	$317,050	6.34%	11.62%	8.38%	5.45%	3.74%	3.14%	2.58%	2.58%	1.26%	1.34%	1.08%	0.72%	3.06%	51.29%
Apr 2022	$257,895	5.70%	13.50%	7.77%	4.18%	5.86%	3.50%	2.46%	1.64%	1.64%	0.74%	1.14%	0.44%	1.92%	50.47%
May 2022	$250,757	8.97%	10.02%	3.83%	3.22%	2.32%	3.96%	2.20%	1.27%	0.99%	1.07%	1.02%	1.63%	2.47%	42.98%
Jun 2022	$221,029	7.05%	8.25%	6.46%	3.34%	3.82%	4.29%	3.18%	2.14%	2.49%	1.57%	1.87%	1.44%	5.32%	51.22%
Jul 2022	$233,455	4.84%	12.80%	4.93%	4.25%	4.88%	3.17%	3.22%	3.09%	2.21%	1.58%	1.05%	1.10%	0.88%	48.01%
Aug 2022	$255,779	5.20%	9.13%	6.78%	4.62%	3.17%	3.99%	2.98%	1.70%	1.27%	0.92%	1.32%	0.35%	0.83%	42.24%
Sep 2022	$209,165	3.71%	12.95%	6.72%	6.13%	4.66%	3.36%	4.07%	3.04%	2.06%	2.30%	1.38%	1.00%	0.86%	52.25%
Oct 2022	$282,679	4.63%	12.61%	7.09%	6.08%	3.99%	3.73%	3.35%	2.87%	2.74%	1.65%	1.45%	1.07%	2.79%	54.05%
Nov 2022	$209,232	3.97%	10.04%	5.83%	4.05%	4.36%	3.90%	5.37%	2.10%	2.43%	1.91%	0.99%	0.90%	1.50%	47.36%
Dec 2022	$182,210	5.03%	6.55%	7.23%	5.36%	5.43%	2.68%	4.58%	2.92%	2.32%	3.04%	1.84%	0.80%	3.41%	51.20%
Jan 2023	$180,230	3.04%	13.02%	6.34%	4.17%	8.18%	3.16%	4.32%	3.15%	3.03%	3.08%	2.69%	1.73%	4.87%	60.77%
Feb 2023	$195,979	2.60%	10.98%	6.84%	6.39%	4.48%	3.31%	3.05%	2.17%	1.85%	1.30%	1.24%	0.71%	2.45%	47.36%
Mar 2023	$223,507	5.48%	9.05%	5.91%	5.96%	2.90%	3.10%	2.98%	1.76%	1.90%	1.48%	1.51%	1.33%	3.26%	46.62%
Apr 2023	$175,566	6.00%	8.65%	7.07%	5.20%	3.52%	3.63%	2.17%	2.05%	2.39%	2.12%	2.79%	1.30%	3.42%	50.31%
May 2023	$206,455	5.11%	10.18%	8.30%	3.62%	3.90%	3.39%	3.15%	3.61%	3.33%	3.13%	2.47%	1.91%	5.28%	57.37%
Jun 2023	$200,402	7.84%	9.98%	5.72%	4.57%	5.97%	3.81%	2.08%	2.91%	1.43%	1.51%	1.50%	1.01%	2.74%	51.07%
Jul 2023	$177,007	7.62%	7.16%	7.40%	6.56%	5.29%	3.72%	2.72%	2.33%	1.93%	2.35%	1.57%	1.54%	2.97%	53.17%
Aug 2023	$129,330	5.59%	15.15%	5.01%	5.99%	3.46%	2.62%	1.62%	3.17%	2.33%	1.13%	3.74%	1.14%	2.00%	52.96%
Sep 2023	$138,429	9.90%	12.40%	5.32%	5.02%	3.63%	3.90%	2.37%	1.90%	2.67%	1.33%	2.00%	0.97%	3.54%	54.95%
Oct 2023	$141,773	7.05%	8.07%	4.58%	4.98%	3.28%	2.84%	2.60%	1.89%	1.48%	1.28%	0.89%	0.40%	2.67%	42.02%
Nov 2023	$204,320	0.97%	5.97%	6.75%	5.19%	5.91%	4.58%	3.94%	3.49%	3.70%	3.60%	2.94%	2.58%	8.09%	57.73%
Dec 2023	$172,515	2.10%	6.33%	6.39%	5.12%	5.25%	4.75%	4.71%	2.85%	3.12%	2.68%	2.63%	2.39%	6.06%	54.39%
Jan 2024	$200,187	0.52%	6.60%	5.10%	6.20%	5.56%	4.10%	4.96%	4.37%	2.94%	2.43%	2.15%	2.30%	7.28%	54.49%
Feb 2024	$172,600	0.78%	8.24%	6.87%	6.24%	4.24%	3.97%	4.36%	4.60%	4.57%	3.53%	3.15%	3.44%	8.29%	62.30%
Mar 2024	$296,315	2.81%	6.81%	5.98%	4.69%	4.01%	4.50%	3.44%	3.24%	3.14%	3.00%	2.86%	2.35%	5.72%	52.55%
Apr 2024	$275,965	0.72%	7.82%	4.96%	4.69%	4.74%	4.93%	4.39%	3.84%	3.49%	4.08%	3.36%	2.88%	6.98%	56.89%
May 2024	$193,540	0.65%	7.97%	5.82%	4.76%	4.15%	4.40%	4.38%	3.97%	4.25%	4.01%	3.89%	1.50%	4.05%	53.80%
Jun 2024	$221,214	3.97%	7.59%	7.66%	5.41%	5.27%	5.72%	5.37%	3.70%	3.47%	3.32%	3.32%	2.06%	3.11%	59.96%
Jul 2024	$182,580	0.00%	7.53%	5.52%	5.03%	4.80%	4.44%	4.65%	4.38%	4.10%	3.00%	2.84%	1.75%	4.19%	52.22%
Aug 2024	$202,440	0.24%	7.60%	7.68%	5.64%	4.64%	4.25%	4.01%	2.96%	3.17%	2.12%	2.59%	1.17%	3.39%	49.46%
Sep 2024	$227,571	1.91%	6.66%	4.68%	5.17%	3.49%	3.75%	3.35%	4.26%	1.70%	2.60%	2.90%	1.46%	5.05%	46.99%
Oct 2024	$183,740	0.05%	7.44%	5.97%	5.09%	4.89%	4.13%	5.51%	2.27%	2.94%	2.82%	2.75%	1.51%	3.09%	48.45%
Nov 2024	$242,424	0.35%	8.29%	6.25%	5.50%	5.30%	4.71%	3.60%	3.51%	3.55%	3.17%	2.65%	2.52%	6.31%	55.72%
Dec 2024	$247,340	0.00%	6.74%	5.71%	5.26%	4.71%	4.08%	3.69%	3.47%	3.00%	3.35%	2.92%	1.38%	3.90%	48.19%
Jan 2025	$324,820	0.75%	6.98%	4.93%	5.21%	3.50%	4.29%	3.69%	3.40%	4.00%	3.99%	3.08%	1.32%	5.13%	50.26%
Feb 2025	$292,530	0.56%	8.15%	6.67%	6.14%	5.36%	5.74%	4.56%	4.37%	4.44%	3.58%	3.89%	1.08%	3.76%	58.30%
Mar 2025	$346,126	0.04%	6.92%	6.02%	4.13%	4.70%	4.16%	3.71%	3.98%	3.11%	3.71%	2.71%	1.60%	4.08%	48.86%
Apr 2025	$272,922	3.33%	6.25%	5.33%	5.27%	5.37%	4.30%	3.76%	3.80%	3.41%	2.99%	3.06%	0.91%	3.00%	50.79%
May 2025	$324,843	0.31%	5.84%	5.37%	4.49%	3.48%	4.16%	2.98%	2.72%	3.15%	2.25%	2.54%	1.00%	1.98%	40.25%
Jun 2025	$331,414	0.00%	6.00%	5.66%	5.05%	4.61%	4.04%	3.64%	3.71%	3.27%	3.29%	3.02%	1.52%	3.21%	47.02%
Jul 2025	$284,653	1.04%	6.11%	5.31%	4.35%	4.17%	3.78%	3.55%	4.19%	4.07%	2.90%	2.93%	1.88%	1.79%	46.06%
Aug 2025	$253,960	0.67%	5.89%	6.10%	4.70%	5.32%	4.21%	3.11%	2.89%	3.47%	3.33%	2.80%	2.05%	1.52%	46.06%
Sep 2025	$185,010	0.00%	5.43%	5.62%	5.07%	4.50%	4.53%	4.17%	3.64%	4.87%	1.95%	2.06%	0.83%	0.40%	43.08%
Oct 2025	$248,320	1.13%	5.88%	5.78%	5.30%	4.13%	4.04%	3.91%	3.65%	3.84%	2.96%	2.48%	0.71%	0.00%	43.81%
Nov 2025	$222,315	0.79%	6.65%	6.43%	5.09%	5.56%	5.34%	4.82%	3.98%	3.86%	3.22%	0.98%	0.00%	0.00%	46.72%
Dec 2025	$207,623	0.65%	5.42%	5.37%	5.96%	3.45%	3.54%	2.71%	3.07%	2.54%	0.55%	0.00%	0.00%	0.00%	33.25%
Jan 2026	$295,595	3.16%	6.51%	5.17%	4.47%	3.68%	4.42%	3.01%	2.22%	0.78%	0.00%	0.00%	0.00%	0.00%	33.44%
Feb 2026	$404,580	1.08%	6.09%	4.48%	4.10%	4.82%	3.44%	2.94%	0.47%	0.00%	0.00%	0.00%	0.00%	0.00%	27.41%
Mar 2026	$537,253	0.17%	5.67%	5.25%	3.75%	3.53%	3.02%	1.18%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	22.57%
Apr 2026	$422,564	0.43%	4.96%	4.69%	3.50%	3.48%	0.58%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.64%
May 2026	$584,373	1.07%	6.91%	3.87%	3.59%	0.33%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.77%
Jun 2026	$634,846	0.86%	5.19%	3.74%	0.99%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.78%
Jul 2026	$608,760	1.43%	6.34%	1.16%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.93%
Aug 2026	$549,585	0.51%	0.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.33%
Sep 2026	$187,944	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$13,860,365	3.69%	9.32%	6.54%	5.13%	4.59%	3.95%	3.45%	2.93%	2.60%	2.32%	2.14%	1.37%	3.60%	51.63%

ATL — Atlanta · $14,730,015 written · 7,589 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jul 2021	$213,560	1.38%	6.44%	6.46%	7.40%	3.90%	3.28%	3.24%	3.12%	2.83%	2.25%	1.71%	1.31%	3.67%	46.99%
Aug 2021	$303,827	4.98%	11.74%	4.54%	4.96%	4.21%	4.77%	4.03%	2.48%	1.95%	1.09%	1.44%	1.26%	5.43%	52.88%
Sep 2021	$404,063	5.88%	8.22%	4.06%	4.69%	4.25%	4.35%	3.92%	2.62%	2.04%	1.66%	1.62%	1.58%	5.70%	50.58%
Oct 2021	$459,636	6.40%	11.74%	6.24%	4.97%	4.17%	3.47%	2.61%	2.21%	1.27%	1.21%	0.90%	0.83%	5.29%	51.32%
Nov 2021	$444,420	5.40%	9.58%	5.82%	6.72%	5.86%	4.10%	2.79%	1.74%	0.79%	0.89%	0.86%	1.14%	3.84%	49.53%
Dec 2021	$439,360	7.69%	5.99%	5.86%	6.69%	5.45%	4.55%	4.25%	2.04%	1.77%	2.31%	1.67%	1.33%	4.44%	54.04%
Jan 2022	$368,683	5.01%	12.97%	8.59%	4.75%	4.83%	4.03%	2.59%	1.48%	1.48%	1.28%	2.34%	2.22%	3.92%	55.49%
Feb 2022	$431,733	5.87%	13.73%	6.70%	4.63%	2.70%	3.10%	2.36%	1.58%	1.84%	1.96%	0.90%	0.86%	3.42%	49.65%
Mar 2022	$424,268	4.53%	8.42%	4.57%	3.61%	2.60%	2.00%	1.76%	1.08%	1.56%	0.86%	0.70%	0.64%	3.10%	35.44%
Apr 2022	$466,209	4.65%	6.90%	4.95%	3.48%	3.15%	2.31%	2.15%	1.48%	0.85%	1.45%	0.86%	0.87%	3.14%	36.23%
May 2022	$609,891	4.27%	8.87%	7.46%	5.55%	5.00%	3.40%	2.50%	1.99%	2.08%	2.15%	1.53%	0.83%	2.61%	48.22%
Jun 2022	$478,007	5.19%	10.41%	5.33%	4.31%	3.66%	2.48%	2.63%	2.14%	3.06%	1.21%	0.94%	0.85%	3.30%	45.49%
Jul 2022	$433,158	3.10%	12.45%	6.33%	4.74%	4.08%	2.84%	2.28%	2.35%	1.85%	1.58%	1.22%	0.90%	3.49%	47.21%
Aug 2022	$454,692	7.45%	9.39%	6.21%	4.62%	3.51%	3.96%	2.23%	2.02%	1.86%	2.19%	1.77%	1.06%	3.74%	50.01%
Sep 2022	$451,095	3.07%	9.16%	6.60%	4.64%	4.15%	3.77%	3.21%	2.32%	1.97%	2.59%	2.24%	1.11%	3.26%	48.08%
Oct 2022	$501,952	6.19%	5.93%	5.31%	3.56%	4.48%	3.81%	2.91%	2.48%	2.01%	2.14%	1.49%	1.51%	2.88%	44.70%
Nov 2022	$418,698	7.38%	6.81%	7.01%	5.60%	3.27%	2.66%	1.97%	2.02%	1.58%	2.12%	1.14%	1.26%	2.38%	45.21%
Dec 2022	$311,109	2.42%	7.71%	8.23%	4.97%	3.94%	3.57%	3.62%	2.18%	2.70%	1.85%	1.84%	0.81%	2.81%	46.66%
Jan 2023	$350,890	2.16%	8.90%	7.59%	5.03%	4.31%	3.04%	2.65%	2.01%	1.77%	1.42%	1.67%	0.92%	2.11%	43.58%
Feb 2023	$369,176	4.84%	8.37%	6.48%	4.73%	3.12%	3.94%	3.04%	2.32%	2.42%	1.18%	1.12%	1.90%	4.57%	48.03%
Mar 2023	$444,555	10.35%	8.67%	4.58%	5.10%	2.16%	2.44%	2.40%	2.03%	1.77%	1.62%	1.73%	1.05%	2.61%	46.51%
Apr 2023	$456,271	3.82%	6.26%	5.59%	4.31%	3.00%	2.48%	2.49%	1.99%	2.09%	1.49%	1.49%	1.42%	3.93%	40.35%
May 2023	$316,170	3.82%	8.36%	6.35%	4.22%	3.41%	2.57%	2.75%	2.51%	2.71%	2.15%	1.56%	1.15%	4.61%	46.17%
Jun 2023	$370,870	7.38%	5.64%	5.05%	4.28%	3.34%	2.50%	1.81%	1.82%	1.44%	1.80%	1.27%	0.75%	4.60%	41.67%
Jul 2023	$254,207	4.96%	6.03%	4.36%	3.94%	4.43%	3.40%	3.36%	2.60%	2.01%	1.16%	0.56%	1.43%	1.06%	39.28%
Aug 2023	$273,053	1.71%	7.16%	5.61%	4.10%	3.61%	3.04%	3.64%	3.05%	1.58%	1.78%	1.40%	1.07%	5.10%	42.85%
Sep 2023	$215,812	4.93%	7.24%	4.33%	5.19%	3.55%	2.89%	3.93%	1.91%	2.71%	2.22%	1.16%	0.91%	4.62%	45.59%
Oct 2023	$287,285	6.94%	6.67%	5.72%	4.39%	5.12%	2.86%	2.63%	2.79%	1.87%	1.52%	1.28%	1.07%	3.41%	46.26%
Nov 2023	$340,491	2.20%	6.74%	5.42%	6.92%	3.06%	2.97%	2.31%	1.64%	1.42%	1.13%	0.84%	0.95%	4.46%	40.06%
Dec 2023	$375,766	2.36%	9.84%	5.45%	5.57%	3.43%	3.58%	2.84%	3.05%	3.11%	2.66%	2.02%	1.67%	3.79%	49.37%
Jan 2024	$406,197	0.34%	6.94%	5.86%	4.01%	3.11%	2.60%	2.50%	2.28%	1.83%	1.95%	1.73%	1.39%	4.80%	39.35%
Feb 2024	$405,912	2.12%	5.91%	3.99%	3.56%	3.28%	2.96%	2.78%	2.31%	2.03%	1.87%	2.02%	1.57%	4.38%	38.77%
Mar 2024	$437,625	0.50%	4.16%	4.01%	2.78%	2.27%	2.19%	2.40%	1.48%	1.67%	1.58%	1.50%	1.18%	5.23%	30.96%
Apr 2024	$412,405	0.81%	5.62%	4.48%	3.44%	2.82%	3.31%	2.47%	2.26%	2.03%	1.69%	1.60%	1.50%	4.10%	36.14%
May 2024	$342,911	0.25%	5.67%	5.61%	4.48%	4.28%	3.51%	3.35%	3.78%	2.98%	2.47%	2.61%	1.07%	5.24%	45.29%
Jun 2024	$303,106	1.15%	6.38%	5.73%	3.88%	3.60%	2.96%	3.12%	1.98%	1.88%	2.18%	2.07%	0.91%	3.84%	39.69%
Jul 2024	$277,856	0.62%	6.00%	4.55%	4.05%	3.83%	2.79%	3.17%	2.06%	1.91%	1.88%	1.85%	0.85%	5.36%	38.91%
Aug 2024	$214,762	1.57%	7.07%	5.61%	5.53%	4.34%	3.58%	3.44%	3.24%	1.98%	1.23%	1.27%	0.87%	3.08%	42.82%
Sep 2024	$140,532	4.03%	16.54%	5.79%	3.99%	3.46%	2.45%	2.49%	2.51%	2.04%	2.91%	2.02%	0.59%	1.93%	50.75%
Oct 2024	$75,553	10.28%	6.52%	5.95%	4.15%	4.42%	5.69%	1.68%	2.27%	2.64%	1.50%	0.96%	0.15%	0.46%	46.67%
Nov 2024	$44,250	3.71%	4.86%	4.32%	4.67%	3.15%	3.11%	2.16%	1.65%	1.46%	2.86%	1.89%	0.33%	1.07%	35.24%
AVERAGE (settled months only)	$14,730,015	4.26%	8.18%	5.73%	4.68%	3.76%	3.21%	2.77%	2.17%	1.94%	1.75%	1.47%	1.15%	3.80%	44.86%

TX — Dallas + Houston · $24,761,506 written · 11,666 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jan 2023	$214,959	1.80%	7.33%	6.12%	6.85%	3.19%	2.69%	2.49%	1.65%	1.48%	1.07%	0.96%	1.66%	3.16%	40.46%
Feb 2023	$387,895	3.55%	10.95%	6.08%	4.71%	4.23%	3.95%	3.34%	3.67%	2.14%	2.33%	1.92%	1.78%	3.41%	52.07%
Mar 2023	$751,385	2.99%	7.93%	6.20%	4.03%	2.97%	2.67%	3.15%	2.49%	1.69%	1.66%	1.90%	1.49%	4.68%	43.86%
Apr 2023	$782,156	3.24%	10.60%	5.45%	3.74%	3.33%	3.17%	2.10%	2.00%	1.40%	1.62%	2.11%	1.90%	4.04%	44.70%
May 2023	$650,290	4.97%	8.39%	5.66%	5.98%	4.04%	3.30%	3.27%	2.67%	2.49%	1.93%	1.99%	1.82%	5.61%	52.12%
Jun 2023	$578,934	3.65%	8.62%	6.42%	4.83%	4.55%	3.83%	3.41%	3.01%	2.76%	2.73%	2.30%	2.42%	4.41%	52.94%
Jul 2023	$507,783	4.71%	8.90%	6.06%	4.94%	5.26%	3.41%	3.31%	2.53%	2.81%	2.22%	2.43%	1.57%	3.78%	51.94%
Aug 2023	$474,816	4.39%	7.89%	4.64%	4.85%	4.59%	3.26%	4.19%	3.32%	3.22%	2.45%	1.49%	1.33%	3.66%	49.29%
Sep 2023	$487,125	3.50%	11.14%	7.75%	4.88%	3.69%	3.75%	2.97%	2.52%	2.08%	2.08%	1.74%	1.32%	4.24%	51.65%
Oct 2023	$474,065	3.82%	9.31%	5.17%	5.17%	4.26%	3.77%	2.76%	2.56%	1.99%	1.51%	1.46%	1.47%	3.32%	46.57%
Nov 2023	$512,798	1.44%	6.39%	5.55%	4.91%	5.81%	4.07%	3.67%	3.62%	3.51%	3.45%	2.76%	1.96%	5.25%	52.39%
Dec 2023	$543,246	0.58%	7.16%	5.23%	4.99%	4.40%	3.99%	3.82%	3.01%	3.04%	2.86%	2.32%	2.15%	5.53%	49.09%
Jan 2024	$517,046	1.12%	6.42%	5.65%	5.05%	4.40%	3.67%	3.44%	3.27%	3.76%	2.86%	2.74%	2.26%	6.52%	51.14%
Feb 2024	$557,472	0.82%	5.99%	6.17%	4.80%	4.51%	4.20%	3.93%	3.29%	3.34%	3.13%	2.81%	2.49%	5.88%	51.36%
Mar 2024	$641,206	0.88%	6.54%	5.82%	4.64%	4.18%	4.08%	3.29%	3.41%	3.19%	2.60%	2.67%	1.81%	4.44%	47.55%
Apr 2024	$523,063	0.87%	7.56%	5.60%	4.42%	4.37%	3.80%	4.06%	3.16%	2.99%	2.55%	2.22%	1.89%	5.36%	48.85%
May 2024	$499,266	0.83%	7.76%	6.42%	4.70%	5.01%	4.44%	4.60%	3.14%	3.01%	2.94%	2.97%	1.39%	3.15%	50.35%
Jun 2024	$453,083	0.17%	8.87%	6.88%	5.51%	5.59%	5.19%	4.20%	4.25%	3.80%	3.35%	2.91%	1.52%	4.18%	56.43%
Jul 2024	$495,494	0.54%	8.01%	5.70%	5.40%	4.88%	4.58%	4.34%	4.11%	3.80%	2.75%	2.52%	1.59%	5.00%	53.21%
Aug 2024	$601,075	0.87%	6.23%	5.51%	5.03%	4.96%	4.00%	3.36%	3.43%	3.37%	3.25%	2.66%	1.45%	5.14%	49.25%
Sep 2024	$483,655	1.18%	6.34%	5.85%	4.78%	4.84%	4.35%	4.64%	3.64%	3.07%	3.22%	2.63%	1.61%	4.55%	50.69%
Oct 2024	$489,620	1.23%	6.77%	4.85%	5.15%	4.08%	4.47%	3.24%	3.62%	2.80%	2.72%	2.06%	1.22%	3.81%	46.01%
Nov 2024	$431,145	0.98%	6.65%	6.44%	4.99%	4.41%	3.70%	3.31%	2.42%	3.26%	2.64%	2.20%	1.33%	3.95%	46.29%
Dec 2024	$475,730	0.95%	5.21%	5.61%	4.98%	4.15%	3.51%	3.42%	2.96%	2.87%	2.39%	2.41%	1.10%	3.15%	42.70%
Jan 2025	$498,039	0.81%	6.51%	6.37%	5.90%	4.87%	3.75%	3.79%	4.58%	3.50%	3.71%	3.02%	1.47%	3.47%	51.73%
Feb 2025	$673,593	0.72%	6.29%	5.78%	4.51%	4.11%	3.21%	3.25%	2.72%	2.68%	2.41%	1.94%	1.34%	2.47%	41.43%
Mar 2025	$677,140	0.64%	5.60%	4.51%	3.62%	3.82%	2.95%	2.81%	2.75%	2.32%	2.12%	1.99%	1.41%	4.46%	39.00%
Apr 2025	$599,960	0.97%	5.74%	4.32%	3.45%	3.28%	2.79%	2.88%	3.17%	2.58%	2.15%	2.01%	1.06%	2.80%	37.19%
May 2025	$583,182	1.05%	5.71%	4.37%	3.35%	3.27%	3.11%	2.64%	2.18%	2.04%	1.88%	1.97%	1.16%	3.39%	36.13%
Jun 2025	$639,824	0.21%	4.95%	5.16%	3.60%	3.13%	2.46%	2.66%	2.49%	2.41%	1.96%	2.04%	1.03%	1.97%	34.05%
Jul 2025	$608,688	0.64%	5.49%	4.20%	4.06%	3.14%	2.95%	2.97%	3.28%	2.77%	2.70%	2.26%	1.57%	2.58%	38.60%
Aug 2025	$668,618	0.91%	5.62%	4.68%	3.19%	3.42%	3.10%	2.73%	3.42%	3.14%	2.35%	2.18%	1.84%	1.34%	37.93%
Sep 2025	$632,821	0.50%	5.52%	4.87%	4.20%	3.63%	3.89%	3.40%	3.31%	3.35%	2.92%	2.32%	1.62%	0.20%	39.73%
Oct 2025	$546,504	1.17%	5.31%	5.15%	3.66%	3.77%	3.42%	3.23%	2.62%	2.35%	2.26%	1.82%	0.38%	0.00%	35.13%
Nov 2025	$533,195	1.37%	5.59%	4.65%	4.23%	3.84%	3.25%	3.18%	3.21%	2.52%	2.14%	0.95%	0.00%	0.00%	34.94%
Dec 2025	$555,056	0.81%	5.01%	5.26%	4.47%	3.75%	3.37%	2.80%	2.58%	2.07%	0.58%	0.00%	0.00%	0.00%	30.70%
Jan 2026	$542,155	1.57%	4.91%	5.13%	4.39%	3.87%	3.53%	3.69%	2.80%	1.28%	0.00%	0.00%	0.00%	0.00%	31.17%
Feb 2026	$617,144	0.53%	5.26%	4.64%	4.61%	3.56%	3.45%	2.72%	0.56%	0.00%	0.00%	0.00%	0.00%	0.00%	25.32%
Mar 2026	$745,261	0.60%	5.04%	5.09%	4.19%	3.64%	2.76%	0.92%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	22.23%
Apr 2026	$510,022	0.84%	4.38%	4.72%	3.61%	3.38%	0.70%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.61%
May 2026	$630,726	0.35%	4.83%	4.65%	3.51%	0.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.16%
Jun 2026	$575,719	0.76%	5.84%	4.31%	0.91%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.81%
Jul 2026	$584,507	0.51%	4.45%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.69%
Aug 2026	$545,477	0.48%	0.56%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.05%
Sep 2026	$209,045	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$18,115,171	1.67%	7.16%	5.56%	4.60%	4.14%	3.60%	3.34%	3.06%	2.79%	2.49%	2.25%	1.61%	3.89%	46.16%

BOS — Boston · $7,648,401 written · 4,050 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jul 2023	$169,275	0.46%	8.88%	8.21%	7.86%	7.51%	6.12%	5.95%	4.90%	4.80%	3.73%	2.79%	0.95%	2.76%	64.92%
Aug 2023	$233,420	0.36%	10.33%	7.30%	7.52%	6.37%	6.42%	5.68%	5.39%	4.67%	4.38%	4.28%	0.68%	4.96%	68.34%
Sep 2023	$204,240	0.32%	7.42%	6.59%	6.05%	6.75%	5.78%	5.22%	4.20%	4.86%	4.30%	3.71%	1.93%	8.19%	65.33%
Oct 2023	$247,579	0.56%	7.32%	7.03%	5.94%	5.74%	5.55%	5.12%	4.17%	4.43%	4.39%	4.82%	1.37%	5.49%	61.93%
Nov 2023	$146,720	2.20%	6.15%	6.86%	5.61%	7.01%	5.11%	6.56%	5.33%	3.69%	4.47%	3.88%	1.62%	6.74%	65.25%
Dec 2023	$200,800	3.45%	7.92%	6.92%	7.01%	6.91%	4.49%	6.58%	3.53%	4.20%	3.52%	3.08%	1.35%	3.64%	62.62%
Jan 2024	$185,690	3.52%	7.57%	6.68%	7.28%	4.95%	4.38%	3.99%	3.46%	2.64%	2.59%	2.25%	1.23%	3.96%	54.50%
Feb 2024	$183,580	3.29%	9.31%	9.29%	7.61%	6.28%	3.69%	4.25%	4.37%	3.99%	2.93%	2.52%	0.88%	3.59%	61.99%
Mar 2024	$219,545	3.74%	7.98%	8.21%	6.15%	5.41%	4.95%	4.35%	4.92%	4.03%	3.97%	3.74%	2.57%	3.44%	63.47%
Apr 2024	$183,720	2.84%	8.87%	6.96%	6.78%	7.28%	5.52%	5.12%	3.89%	3.75%	3.91%	2.78%	1.82%	4.08%	63.60%
May 2024	$158,281	2.14%	10.44%	7.50%	7.83%	6.54%	5.36%	4.49%	3.75%	3.52%	3.17%	2.15%	1.90%	3.40%	62.17%
Jun 2024	$153,910	2.00%	10.52%	7.75%	6.33%	5.76%	4.72%	3.79%	4.09%	2.82%	2.99%	3.82%	1.36%	4.19%	60.13%
Jul 2024	$196,612	1.18%	9.11%	8.59%	7.34%	6.67%	5.62%	5.01%	4.30%	3.96%	4.29%	3.47%	1.68%	3.95%	65.19%
Aug 2024	$144,531	0.03%	10.02%	7.35%	6.53%	6.40%	4.69%	5.29%	5.23%	5.28%	3.55%	3.22%	1.58%	4.86%	64.04%
Sep 2024	$207,946	1.04%	10.15%	6.95%	5.83%	5.82%	6.26%	4.40%	3.95%	3.42%	3.37%	3.06%	2.38%	5.51%	62.13%
Oct 2024	$192,880	1.61%	7.75%	5.67%	5.97%	4.85%	5.23%	4.76%	3.71%	4.79%	3.13%	3.10%	2.23%	5.08%	57.87%
Nov 2024	$223,809	0.07%	7.26%	6.63%	4.73%	4.56%	3.61%	3.11%	3.60%	2.81%	3.86%	2.22%	0.70%	6.54%	49.69%
Dec 2024	$145,177	3.27%	10.83%	7.48%	6.72%	4.94%	5.67%	3.85%	4.39%	3.46%	2.52%	3.00%	1.51%	4.11%	61.76%
Jan 2025	$149,662	1.11%	6.84%	6.72%	6.34%	4.43%	4.26%	3.43%	3.44%	3.57%	3.45%	2.36%	1.74%	6.51%	54.20%
Feb 2025	$259,639	1.73%	6.42%	5.71%	5.23%	5.23%	4.37%	3.41%	3.46%	2.97%	2.60%	2.25%	1.74%	5.79%	50.92%
Mar 2025	$294,555	0.94%	5.99%	5.59%	5.41%	4.89%	5.15%	3.68%	4.07%	3.83%	3.61%	3.04%	1.56%	3.97%	51.72%
Apr 2025	$286,515	0.41%	7.03%	6.33%	3.91%	4.88%	4.07%	3.64%	3.87%	3.43%	3.72%	3.16%	2.01%	3.88%	50.34%
May 2025	$277,364	0.17%	6.86%	5.45%	4.05%	4.93%	3.96%	4.70%	3.53%	3.11%	3.31%	2.87%	1.80%	4.04%	48.78%
Jun 2025	$242,510	0.16%	6.48%	5.92%	7.13%	5.16%	5.06%	4.57%	4.50%	4.07%	4.20%	3.33%	3.11%	3.00%	56.70%
Jul 2025	$170,895	1.06%	8.74%	6.35%	5.99%	5.66%	4.85%	5.07%	5.37%	5.34%	3.90%	3.07%	1.82%	2.83%	60.02%
Aug 2025	$168,745	2.14%	6.43%	6.14%	5.42%	5.58%	3.80%	5.23%	3.80%	3.41%	2.73%	3.07%	5.42%	2.04%	55.21%
Sep 2025	$149,650	0.21%	6.33%	5.69%	7.51%	5.55%	4.99%	4.75%	4.60%	3.73%	3.35%	3.43%	1.21%	0.15%	51.49%
Oct 2025	$110,690	0.43%	7.64%	6.31%	8.15%	5.75%	5.04%	5.15%	5.14%	3.98%	3.48%	3.11%	0.55%	0.00%	54.75%
Nov 2025	$193,310	2.13%	6.09%	5.88%	4.80%	4.30%	4.40%	4.07%	4.15%	3.70%	3.14%	0.69%	0.00%	0.00%	43.32%
Dec 2025	$169,877	0.51%	6.10%	4.92%	6.67%	5.46%	4.12%	3.13%	3.80%	3.26%	0.71%	0.00%	0.00%	0.00%	38.68%
Jan 2026	$205,667	0.42%	6.07%	5.64%	4.44%	5.44%	4.17%	4.02%	2.89%	0.26%	0.00%	0.00%	0.00%	0.00%	33.34%
Feb 2026	$179,203	1.31%	5.95%	4.57%	4.70%	3.81%	3.65%	3.70%	0.55%	0.00%	0.00%	0.00%	0.00%	0.00%	28.24%
Mar 2026	$182,750	0.58%	4.83%	4.63%	3.98%	4.12%	3.96%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	22.84%
Apr 2026	$148,926	0.22%	4.82%	4.91%	5.02%	4.02%	1.15%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.14%
May 2026	$166,357	1.32%	5.17%	5.05%	4.76%	0.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.83%
Jun 2026	$216,392	0.00%	6.30%	6.23%	0.95%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.48%
Jul 2026	$266,800	0.02%	4.81%	1.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.15%
Aug 2026	$288,685	2.77%	1.64%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.41%
Sep 2026	$120,345	0.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.07%
AVERAGE (settled months only)	$5,397,249	1.40%	7.97%	6.80%	6.17%	5.71%	4.93%	4.61%	4.18%	3.85%	3.58%	3.14%	1.78%	4.37%	58.51%

TN — Nashville · $5,613,809 written · 2,801 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Sep 2024	$212,110	0.33%	6.82%	6.74%	4.73%	4.96%	4.34%	3.64%	3.14%	2.91%	3.35%	2.39%	1.52%	3.18%	48.06%
Oct 2024	$257,118	2.11%	7.87%	6.03%	7.68%	4.41%	4.13%	4.07%	4.04%	3.83%	3.36%	3.05%	1.81%	4.30%	56.66%
Nov 2024	$212,640	0.94%	7.75%	7.28%	5.34%	5.15%	3.90%	5.22%	3.87%	3.63%	3.51%	2.61%	1.19%	2.18%	52.57%
Dec 2024	$198,953	0.27%	6.91%	6.20%	5.37%	4.95%	4.58%	5.20%	4.60%	4.84%	3.53%	3.75%	1.38%	4.22%	55.80%
Jan 2025	$210,917	0.88%	7.99%	5.96%	5.54%	4.87%	4.73%	4.17%	4.81%	3.78%	3.79%	3.43%	1.35%	4.59%	55.88%
Feb 2025	$215,862	0.56%	6.36%	6.40%	4.60%	4.22%	3.99%	4.44%	3.53%	3.31%	2.67%	2.83%	0.65%	2.93%	46.49%
Mar 2025	$246,223	0.55%	6.85%	5.05%	4.42%	4.16%	3.76%	4.03%	3.92%	3.61%	2.34%	2.35%	1.02%	3.27%	45.34%
Apr 2025	$262,798	0.07%	6.07%	5.35%	4.76%	4.71%	3.28%	3.50%	2.66%	2.41%	2.23%	2.04%	0.95%	2.81%	40.83%
May 2025	$296,165	0.44%	5.76%	4.24%	4.09%	3.66%	3.21%	3.85%	2.61%	2.46%	2.76%	2.58%	1.46%	2.20%	39.33%
Jun 2025	$243,820	0.15%	5.43%	4.45%	3.81%	2.98%	2.99%	2.67%	2.53%	2.29%	2.17%	3.09%	1.71%	3.65%	37.92%
Jul 2025	$223,942	1.02%	5.12%	5.68%	4.00%	3.93%	3.66%	3.36%	3.50%	2.58%	2.35%	2.34%	2.31%	1.61%	41.46%
Aug 2025	$278,875	0.26%	5.65%	4.89%	4.01%	4.66%	3.59%	2.81%	2.43%	3.15%	3.07%	2.99%	1.04%	0.39%	38.94%
Sep 2025	$217,051	2.28%	5.83%	5.01%	5.23%	4.66%	4.28%	3.87%	3.62%	3.92%	3.03%	3.01%	1.27%	0.13%	46.14%
Oct 2025	$201,775	1.71%	5.98%	4.99%	5.38%	4.38%	4.73%	4.42%	3.91%	3.43%	3.45%	3.45%	0.23%	0.00%	46.07%
Nov 2025	$224,965	1.05%	7.45%	4.17%	3.76%	3.06%	3.07%	3.09%	2.63%	2.53%	1.98%	0.47%	0.00%	0.00%	33.26%
Dec 2025	$214,185	0.21%	5.23%	4.65%	4.80%	3.53%	3.37%	3.81%	3.04%	2.62%	0.56%	0.00%	0.00%	0.00%	31.81%
Jan 2026	$215,630	0.56%	5.94%	5.47%	4.15%	3.78%	3.60%	3.50%	2.88%	0.83%	0.00%	0.00%	0.00%	0.00%	30.72%
Feb 2026	$301,701	0.64%	8.13%	7.69%	4.95%	4.98%	4.09%	3.59%	1.05%	0.00%	0.00%	0.00%	0.00%	0.00%	35.12%
Mar 2026	$218,135	0.49%	6.42%	3.79%	3.18%	3.17%	2.67%	0.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.44%
Apr 2026	$204,641	0.03%	4.26%	3.58%	3.45%	3.32%	1.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.71%
May 2026	$252,520	1.24%	5.37%	4.44%	3.51%	0.68%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.24%
Jun 2026	$204,375	1.60%	5.06%	4.67%	0.53%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.86%
Jul 2026	$207,889	0.14%	4.74%	1.57%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.45%
Aug 2026	$210,935	1.17%	0.79%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.96%
Sep 2026	$72,865	0.27%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.27%
AVERAGE (settled months only)	$3,076,473	0.74%	6.45%	5.56%	4.87%	4.38%	3.84%	3.86%	3.42%	3.24%	2.91%	2.78%	1.36%	2.69%	46.09%

CHI — Chicago · $3,566,283 written · 1,717 agreements

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Aug 2025	$182,534	1.15%	5.00%	3.90%	3.03%	3.35%	3.08%	2.58%	2.44%	2.61%	4.22%	2.38%	1.69%	1.91%	37.34%
Sep 2025	$247,025	0.40%	5.43%	4.65%	4.27%	3.76%	3.83%	3.47%	3.54%	2.79%	2.87%	2.73%	1.64%	0.87%	40.26%
Oct 2025	$275,209	0.59%	4.58%	5.24%	4.71%	4.43%	4.35%	3.86%	3.79%	3.82%	3.46%	2.42%	0.45%	0.00%	41.71%
Nov 2025	$286,510	0.88%	5.56%	6.12%	5.23%	4.11%	5.70%	3.93%	3.17%	3.10%	2.31%	1.32%	0.00%	0.00%	41.44%
Dec 2025	$217,627	0.08%	5.41%	6.16%	5.15%	4.89%	4.53%	4.07%	3.31%	3.35%	1.23%	0.00%	0.00%	0.00%	38.17%
Jan 2026	$268,360	1.00%	6.02%	5.88%	4.61%	4.61%	4.36%	3.71%	2.73%	0.53%	0.00%	0.00%	0.00%	0.00%	33.45%
Feb 2026	$259,319	1.19%	5.09%	4.14%	3.38%	3.01%	2.77%	2.66%	1.07%	0.00%	0.00%	0.00%	0.00%	0.00%	23.31%
Mar 2026	$347,145	0.27%	4.49%	3.81%	3.23%	2.83%	3.15%	1.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	18.99%
Apr 2026	$323,880	0.35%	3.23%	3.01%	4.11%	2.83%	0.40%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.94%
May 2026	$294,020	0.85%	5.19%	5.00%	3.51%	0.95%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.50%
Jun 2026	$232,663	0.04%	5.40%	5.30%	1.37%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.10%
Jul 2026	$248,314	0.28%	6.05%	1.62%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.95%
Aug 2026	$271,672	1.71%	2.77%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.48%
Sep 2026	$102,705	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$429,559	0.72%	5.25%	4.33%	3.75%	3.58%	3.52%	3.09%	3.07%	2.71%	3.44%	2.58%	1.66%	1.31%	39.02%

Finance written each month, by city

The same layout as the manual debt sheet, so the two can be read side by side. Florida is MIAMI on that sheet and New York is NYC. Atlanta (Icon Studio + Soul Studios) wrote nothing after 2024 — the studios are closed, and the rows are kept because the debt is still on the book.

Month written	MIAMI	Orlando	NYC	Dallas	Houston	Boston	Nashville	Chicago	Atlanta	Total
Jan 2019	$124,389	—	—	—	—	—	—	—	—	$124,389
Feb 2019	$120,417	—	—	—	—	—	—	—	—	$120,417
Mar 2019	$163,208	—	$9,470	—	—	—	—	—	—	$172,678
Apr 2019	$114,021	—	$143,405	—	—	—	—	—	—	$257,426
May 2019	$87,475	—	$229,109	—	—	—	—	—	—	$316,584
Jun 2019	$119,950	—	$215,396	—	—	—	—	—	—	$335,346
Jul 2019	$86,021	—	$208,051	—	—	—	—	—	—	$294,072
Aug 2019	$124,899	—	$244,117	—	—	—	—	—	—	$369,016
Sep 2019	$114,062	—	$206,776	—	—	—	—	—	—	$320,838
Oct 2019	$163,147	—	$206,392	—	—	—	—	—	—	$369,539
Nov 2019	$129,144	—	$220,648	—	—	—	—	—	—	$349,792
Dec 2019	$92,850	—	$192,471	—	—	—	—	—	—	$285,321
Jan 2020	$120,837	—	$308,933	—	—	—	—	—	—	$429,770
Feb 2020	$179,391	—	$400,341	—	—	—	—	—	—	$579,732
Mar 2020	$58,675	—	$248,040	—	—	—	—	—	—	$306,715
Jun 2020	$157,085	—	—	—	—	—	—	—	—	$157,085
Jul 2020	$202,700	—	$255,955	—	—	—	—	—	—	$458,655
Aug 2020	$249,973	—	$546,795	—	—	$950	—	—	—	$797,718
Sep 2020	$241,308	—	$585,278	—	—	—	—	—	—	$826,586
Oct 2020	$243,200	—	$519,856	—	—	—	—	—	—	$763,056
Nov 2020	$214,116	—	$508,061	—	—	—	—	—	—	$722,177
Dec 2020	$218,602	—	$370,228	—	—	—	—	—	—	$588,830
Jan 2021	$228,832	—	$404,703	—	—	—	—	—	—	$633,535
Feb 2021	$235,725	—	$455,654	—	—	—	—	—	—	$691,379
Mar 2021	$339,689	—	$638,372	—	—	—	—	—	—	$978,061
Apr 2021	$327,854	—	$703,317	—	—	—	—	—	—	$1,031,171
May 2021	$315,138	—	$1,241,915	—	—	—	—	—	—	$1,557,052
Jun 2021	$331,725	—	$1,373,515	—	—	—	—	—	—	$1,705,240
Jul 2021	$303,510	—	$1,387,107	—	—	—	—	—	$213,560	$1,904,177
Aug 2021	$311,970	—	$1,320,437	—	—	—	—	—	$303,827	$1,936,234
Sep 2021	$195,230	—	$1,065,171	—	—	—	—	—	$404,063	$1,664,464
Oct 2021	$347,290	—	$1,185,382	—	—	—	—	—	$459,636	$1,992,308
Nov 2021	$348,790	—	$1,112,977	—	—	—	—	—	$444,420	$1,906,187
Dec 2021	$235,320	—	$890,998	—	—	—	—	—	$439,360	$1,565,678
Jan 2022	$247,705	—	$921,967	—	—	—	—	—	$368,683	$1,538,355
Feb 2022	$264,630	—	$1,193,781	—	—	—	—	—	$431,733	$1,890,144
Mar 2022	$317,050	—	$1,246,293	—	—	—	—	—	$424,268	$1,987,611
Apr 2022	$257,895	—	$1,083,223	—	—	—	—	—	$466,209	$1,807,327
May 2022	$250,757	—	$981,392	—	—	—	—	—	$609,891	$1,842,039
Jun 2022	$221,029	—	$743,787	—	—	—	—	—	$478,007	$1,442,823
Jul 2022	$233,455	—	$1,115,392	—	—	—	—	—	$433,158	$1,782,005
Aug 2022	$255,779	—	$912,027	—	—	—	—	—	$454,692	$1,622,498
Sep 2022	$209,165	—	$937,149	—	—	—	—	—	$451,095	$1,597,409
Oct 2022	$282,679	—	$949,854	—	—	—	—	—	$501,952	$1,734,485
Nov 2022	$209,232	—	$861,528	—	—	—	—	—	$418,698	$1,489,458
Dec 2022	$182,210	—	$672,149	—	—	—	—	—	$311,109	$1,165,468
Jan 2023	$180,230	—	$839,342	$214,959	—	—	—	—	$350,890	$1,585,421
Feb 2023	$195,979	—	$689,432	$322,435	$65,460	—	—	—	$369,176	$1,642,482
Mar 2023	$223,507	—	$715,872	$371,444	$379,941	—	—	—	$444,555	$2,135,319
Apr 2023	$175,566	—	$540,467	$350,726	$431,430	—	—	—	$456,271	$1,954,460
May 2023	$206,455	—	$523,938	$319,017	$331,273	—	—	—	$316,170	$1,696,853
Jun 2023	$200,402	—	$533,556	$264,105	$314,829	—	—	—	$370,870	$1,683,762
Jul 2023	$177,007	—	$491,227	$258,148	$249,635	$169,275	—	—	$254,207	$1,599,499
Aug 2023	$129,330	—	$532,078	$254,995	$219,821	$233,420	—	—	$273,053	$1,642,697
Sep 2023	$138,429	—	$546,456	$256,997	$230,128	$204,240	—	—	$215,812	$1,592,062
Oct 2023	$141,773	—	$521,691	$258,925	$215,140	$247,579	—	—	$287,285	$1,672,393
Nov 2023	$204,320	—	$469,175	$319,718	$193,080	$146,720	—	—	$340,491	$1,673,504
Dec 2023	$172,515	—	$301,825	$336,531	$206,715	$200,800	—	—	$375,766	$1,594,152
Jan 2024	$200,187	—	$447,312	$281,842	$235,204	$185,690	—	—	$406,197	$1,756,431
Feb 2024	$172,600	—	$451,945	$282,711	$274,761	$183,580	—	—	$405,912	$1,771,509
Mar 2024	$296,315	—	$557,325	$385,411	$255,795	$219,545	—	—	$437,625	$2,152,016
Apr 2024	$275,965	—	$525,559	$312,130	$210,933	$183,720	—	—	$412,405	$1,920,712
May 2024	$193,540	—	$573,675	$244,455	$254,811	$158,281	—	—	$342,911	$1,767,673
Jun 2024	$221,214	—	$555,709	$256,255	$196,828	$153,910	—	—	$303,106	$1,687,022
Jul 2024	$182,580	—	$554,533	$311,688	$183,806	$196,612	—	—	$277,856	$1,707,075
Aug 2024	$202,440	—	$574,796	$340,445	$260,630	$144,531	—	—	$214,762	$1,737,604
Sep 2024	$227,571	—	$508,385	$282,235	$201,420	$207,946	$212,110	—	$140,532	$1,780,199
Oct 2024	$183,740	—	$563,751	$258,405	$231,215	$192,880	$257,118	—	$75,553	$1,762,662
Nov 2024	$242,424	—	$529,900	$228,595	$202,550	$223,809	$212,640	—	$44,250	$1,684,167
Dec 2024	$247,340	—	$501,116	$220,485	$255,245	$145,177	$198,953	—	—	$1,568,316
Jan 2025	$324,820	—	$528,069	$247,675	$250,364	$149,662	$210,917	—	—	$1,711,507
Feb 2025	$292,530	—	$595,634	$384,748	$288,845	$259,639	$215,862	—	—	$2,037,258
Mar 2025	$346,126	—	$595,260	$405,770	$271,370	$294,555	$246,223	—	—	$2,159,304
Apr 2025	$272,922	—	$580,535	$301,520	$298,440	$286,515	$262,798	—	—	$2,002,730
May 2025	$324,843	—	$529,080	$277,987	$305,195	$277,364	$296,165	—	—	$2,010,634
Jun 2025	$331,414	—	$485,822	$305,460	$334,364	$242,510	$243,820	—	—	$1,943,390
Jul 2025	$284,653	—	$423,281	$329,177	$279,511	$170,895	$223,942	—	—	$1,711,459
Aug 2025	$253,960	—	$502,667	$361,208	$307,410	$168,745	$278,875	$182,534	—	$2,055,398
Sep 2025	$185,010	—	$412,983	$393,301	$239,520	$149,650	$217,051	$247,025	—	$1,844,540
Oct 2025	$248,320	—	$418,918	$291,669	$254,835	$110,690	$201,775	$275,209	—	$1,801,416
Nov 2025	$222,315	—	$480,766	$307,255	$225,940	$193,310	$224,965	$286,510	—	$1,941,061
Dec 2025	$207,623	—	$397,009	$274,526	$280,530	$169,877	$214,185	$217,627	—	$1,761,377
Jan 2026	$295,595	—	$388,969	$281,710	$260,445	$205,667	$215,630	$268,360	—	$1,916,376
Feb 2026	$194,485	$210,095	$284,980	$321,314	$295,830	$179,203	$301,701	$259,319	—	$2,046,927
Mar 2026	$222,577	$314,676	$347,803	$348,041	$397,220	$182,750	$218,135	$347,145	—	$2,378,347
Apr 2026	$205,304	$217,260	$352,631	$228,417	$281,605	$148,926	$204,641	$323,880	—	$1,962,664
May 2026	$227,117	$357,256	$306,799	$274,333	$356,393	$166,357	$252,520	$294,020	—	$2,234,795
Jun 2026	$239,968	$394,878	$272,907	$270,979	$304,740	$216,392	$204,375	$232,663	—	$2,136,902
Jul 2026	$233,920	$374,840	$329,892	$246,552	$337,955	$266,800	$207,889	$248,314	—	$2,246,162
Aug 2026	$164,130	$385,455	$309,363	$216,217	$329,260	$288,685	$210,935	$271,672	—	$2,175,717
Sep 2026	$77,984	$128,735	$96,588	$108,145	$152,425	$121,545	$80,585	$112,005	—	$878,012
TOTAL	$19,725,172	$2,383,195	$50,706,433	$13,108,660	$11,652,847	$7,648,401	$5,613,809	$3,566,283	$14,730,015	$129,134,814

Every city, all months combined

City	Agreements	Finance written	Collected	Written off	Still outstanding
Florida	9,115	$19,725,172	$9,488,716 48.1%	$3,017,918 15.3%	$7,219,482 36.6%
Orlando	995	$2,383,195	$284,525 11.9%	$98,366 4.1%	$2,000,307 83.9%
New York	22,821	$50,706,433	$22,449,442 44.3%	$11,979,545 23.6%	$16,280,245 32.1%
Dallas	6,160	$13,108,660	$5,183,050 39.5%	$1,315,722 10.0%	$6,610,661 50.4%
Houston	5,527	$11,652,847	$4,419,616 37.9%	$1,120,367 9.6%	$6,113,324 52.5%
Boston	4,051	$7,648,401	$3,613,151 47.2%	$557,264 7.3%	$3,478,185 45.5%
Nashville	2,805	$5,613,809	$1,986,393 35.4%	$209,124 3.7%	$3,418,333 60.9%
Chicago	1,721	$3,566,283	$849,402 23.8%	$110,945 3.1%	$2,606,008 73.1%
Atlanta	7,589	$14,730,015	$6,426,002 43.6%	$3,081,713 20.9%	$5,223,259 35.5%
TOTAL	60,784	$129,134,814	$54,700,296 42.4%	$21,490,964 16.6%	$52,949,803 41.0%

Florida — 9,115 agreements, $19,725,172 of finance written

Finance written

$19,725,172

Collected

$9,488,716 48.1%

Written off

$3,017,918 15.3%

Still outstanding

$7,219,482 36.6%

Deposit taken

$5,098,457

Sale value

$24,823,629

Every month of sales — what we wrote, what came in, what we lost, what is left

Rows are cohorts: an agreement belongs to the month it was written, and every dollar collected against it counts back to that month whenever it arrived. Check proves the row adds up — collected + written off + outstanding must equal finance written. Faded rows are under 12 months old and have not had time to pay out, so their collected % is not comparable with a settled month.

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Jan 2019	90	$154,299	$29,910	$124,389	$77,414 62.2%	$18,175 14.6%	$28,800 23.2%	ok
Feb 2019	95	$148,084	$27,667	$120,417	$67,725 56.2%	$4,938 4.1%	$47,759 39.7%	ok
Mar 2019	109	$203,606	$40,398	$163,208	$92,067 56.4%	$17,954 11.0%	$53,175 32.6%	ok
Apr 2019	73	$138,349	$24,328	$114,021	$47,387 41.6%	$11,028 9.7%	$55,606 48.8%	ok
May 2019	69	$112,045	$24,570	$87,475	$32,631 37.3%	$13,880 15.9%	$40,965 46.8%	ok
Jun 2019	76	$152,646	$32,696	$119,950	$67,240 56.1%	$5,345 4.5%	$47,364 39.5%	ok
Jul 2019	71	$113,170	$27,149	$86,021	$66,415 77.2%	$3,828 4.5%	$15,776 18.3%	ok
Aug 2019	81	$150,619	$25,720	$124,899	$73,175 58.6%	$18,547 14.8%	$33,172 26.6%	ok
Sep 2019	59	$139,387	$25,325	$114,062	$51,970 45.6%	$11,561 10.1%	$50,531 44.3%	ok
Oct 2019	91	$203,482	$40,335	$163,147	$107,165 65.7%	$7,820 4.8%	$48,177 29.5%	ok
Nov 2019	79	$153,667	$24,523	$129,144	$75,771 58.7%	$16,460 12.7%	$36,920 28.6%	ok
Dec 2019	52	$111,310	$18,460	$92,850	$51,736 55.7%	$13,686 14.7%	$27,433 29.5%	ok
Jan 2020	89	$151,359	$30,523	$120,837	$70,859 58.6%	$17,018 14.1%	$32,962 27.3%	ok
Feb 2020	84	$219,771	$40,380	$179,391	$86,623 48.3%	$28,433 15.8%	$64,334 35.9%	ok
Mar 2020	33	$76,340	$17,665	$58,675	$32,688 55.7%	$12,447 21.2%	$13,537 23.1%	ok
Jun 2020	66	$189,420	$32,335	$157,085	$91,796 58.4%	$26,930 17.1%	$38,368 24.4%	ok
Jul 2020	89	$253,700	$51,000	$202,700	$108,214 53.4%	$36,838 18.2%	$57,653 28.4%	ok
Aug 2020	107	$311,508	$61,535	$249,973	$133,383 53.4%	$40,025 16.0%	$76,565 30.6%	ok
Sep 2020	106	$297,100	$55,792	$241,308	$118,891 49.3%	$49,387 20.5%	$73,037 30.3%	ok
Oct 2020	119	$309,460	$66,260	$243,200	$128,603 52.9%	$54,394 22.4%	$60,206 24.8%	ok
Nov 2020	110	$285,489	$71,373	$214,116	$111,362 52.0%	$64,620 30.2%	$38,149 17.8%	ok
Dec 2020	114	$275,314	$56,712	$218,602	$135,227 61.9%	$40,925 18.7%	$42,447 19.4%	ok
Jan 2021	113	$279,982	$51,150	$228,832	$129,606 56.6%	$61,193 26.7%	$38,035 16.6%	ok
Feb 2021	113	$292,170	$56,445	$235,725	$142,706 60.5%	$36,839 15.6%	$56,191 23.8%	ok
Mar 2021	150	$432,233	$92,544	$339,689	$174,754 51.4%	$70,700 20.8%	$94,287 27.8%	ok
Apr 2021	133	$407,649	$79,795	$327,854	$166,776 50.9%	$65,530 20.0%	$95,572 29.2%	ok
May 2021	120	$385,600	$70,463	$315,138	$160,301 50.9%	$62,761 19.9%	$92,108 29.2%	ok
Jun 2021	126	$411,850	$80,125	$331,725	$182,418 55.0%	$57,822 17.4%	$91,547 27.6%	ok
Jul 2021	126	$370,215	$66,705	$303,510	$158,354 52.2%	$72,433 23.9%	$72,764 24.0%	ok
Aug 2021	132	$386,200	$74,230	$311,970	$175,585 56.3%	$58,999 18.9%	$77,388 24.8%	ok
Sep 2021	95	$239,440	$44,210	$195,230	$89,748 46.0%	$40,033 20.5%	$65,476 33.5%	ok
Oct 2021	138	$411,450	$64,160	$347,290	$194,120 55.9%	$60,812 17.5%	$92,380 26.6%	ok
Nov 2021	135	$415,500	$66,710	$348,790	$170,193 48.8%	$64,036 18.4%	$114,604 32.9%	ok
Dec 2021	90	$286,550	$51,230	$235,320	$136,546 58.0%	$51,888 22.1%	$46,896 19.9%	ok
Jan 2022	98	$298,639	$50,934	$247,705	$125,659 50.7%	$73,253 29.6%	$48,800 19.7%	ok
Feb 2022	101	$318,040	$53,410	$264,630	$128,588 48.6%	$55,471 21.0%	$80,604 30.5%	ok
Mar 2022	124	$391,160	$74,110	$317,050	$159,806 50.4%	$87,831 27.7%	$69,448 21.9%	ok
Apr 2022	103	$321,020	$63,125	$257,895	$127,316 49.4%	$60,260 23.4%	$70,328 27.3%	ok
May 2022	102	$307,127	$56,370	$250,757	$106,275 42.4%	$89,088 35.5%	$55,404 22.1%	ok
Jun 2022	97	$287,704	$66,675	$221,029	$106,172 48.0%	$66,152 29.9%	$48,710 22.0%	ok
Jul 2022	96	$285,905	$52,450	$233,455	$108,730 46.6%	$59,991 25.7%	$64,701 27.7%	ok
Aug 2022	115	$318,902	$63,123	$255,779	$104,495 40.9%	$59,532 23.3%	$91,752 35.9%	ok
Sep 2022	89	$253,149	$43,984	$209,165	$107,169 51.2%	$45,858 21.9%	$56,134 26.8%	ok
Oct 2022	125	$353,169	$70,490	$282,679	$150,340 53.2%	$69,660 24.6%	$62,714 22.2%	ok
Nov 2022	96	$260,450	$51,218	$209,232	$92,303 44.1%	$62,637 29.9%	$54,294 25.9%	ok
Dec 2022	76	$223,000	$40,790	$182,210	$90,580 49.7%	$38,750 21.3%	$52,929 29.0%	$49
Jan 2023	77	$219,025	$38,795	$180,230	$107,032 59.4%	$43,424 24.1%	$29,786 16.5%	ok
Feb 2023	81	$231,149	$35,170	$195,979	$90,259 46.1%	$62,857 32.1%	$42,870 21.9%	ok
Mar 2023	87	$270,680	$47,173	$223,507	$101,521 45.4%	$53,780 24.1%	$68,236 30.5%	ok
Apr 2023	81	$212,650	$37,084	$175,566	$88,321 50.3%	$34,755 19.8%	$52,522 29.9%	ok
May 2023	88	$248,249	$41,794	$206,455	$112,502 54.5%	$48,310 23.4%	$45,669 22.1%	ok
Jun 2023	81	$241,320	$40,918	$200,402	$98,968 49.4%	$38,914 19.4%	$62,545 31.2%	ok
Jul 2023	89	$216,340	$39,333	$177,007	$91,528 51.7%	$38,034 21.5%	$47,477 26.8%	ok
Aug 2023	67	$163,995	$34,665	$129,330	$64,876 50.2%	$36,705 28.4%	$27,763 21.5%	ok
Sep 2023	84	$177,200	$38,771	$138,429	$74,093 53.5%	$22,195 16.0%	$42,117 30.4%	ok
Oct 2023	85	$178,665	$36,892	$141,773	$58,564 41.3%	$25,285 17.8%	$57,934 40.9%	ok
Nov 2023	103	$264,300	$59,980	$204,320	$116,226 56.9%	$22,731 11.1%	$65,404 32.0%	$41
Dec 2023	97	$221,625	$49,110	$172,515	$93,066 53.9%	$21,733 12.6%	$57,752 33.5%	$36
Jan 2024	111	$265,995	$65,808	$200,187	$107,401 53.7%	$28,428 14.2%	$64,385 32.2%	ok
Feb 2024	96	$229,085	$56,485	$172,600	$107,716 62.4%	$23,590 13.7%	$41,317 23.9%	ok
Mar 2024	158	$386,280	$89,965	$296,315	$153,008 51.6%	$25,567 8.6%	$117,788 39.8%	ok
Apr 2024	141	$350,030	$74,065	$275,965	$157,089 56.9%	$27,767 10.1%	$91,139 33.0%	ok
May 2024	101	$246,316	$52,776	$193,540	$103,668 53.6%	$19,358 10.0%	$70,500 36.4%	ok
Jun 2024	118	$281,699	$60,485	$221,214	$132,072 59.7%	$18,602 8.4%	$70,564 31.9%	ok
Jul 2024	95	$240,150	$57,570	$182,580	$93,409 51.2%	$21,543 11.8%	$67,623 37.0%	ok
Aug 2024	109	$259,300	$56,860	$202,440	$99,432 49.1%	$16,158 8.0%	$86,850 42.9%	ok
Sep 2024	109	$297,425	$69,854	$227,571	$107,164 47.1%	$19,450 8.5%	$100,957 44.4%	ok
Oct 2024	83	$230,750	$47,010	$183,740	$92,067 50.1%	$21,840 11.9%	$69,833 38.0%	ok
Nov 2024	106	$312,532	$70,108	$242,424	$132,778 54.8%	$19,470 8.0%	$90,176 37.2%	ok
Dec 2024	104	$313,953	$66,613	$247,340	$119,595 48.4%	$19,686 8.0%	$108,068 43.7%	ok
Jan 2025	148	$436,900	$112,080	$324,820	$164,173 50.5%	$29,289 9.0%	$131,368 40.4%	ok
Feb 2025	120	$371,749	$79,219	$292,530	$168,332 57.5%	$21,138 7.2%	$103,063 35.2%	ok
Mar 2025	155	$454,200	$108,074	$346,126	$170,722 49.3%	$27,471 7.9%	$147,926 42.7%	ok
Apr 2025	129	$361,250	$88,328	$272,922	$135,061 49.5%	$24,058 8.8%	$113,796 41.7%	ok
May 2025	144	$417,949	$93,106	$324,843	$128,683 39.6%	$28,384 8.7%	$167,783 51.7%	ok
Jun 2025	139	$426,500	$95,086	$331,414	$154,539 46.6%	$22,480 6.8%	$154,419 46.6%	ok
Jul 2025	128	$366,050	$81,397	$284,653	$128,926 45.3%	$25,145 8.8%	$130,578 45.9%	ok
Aug 2025	109	$338,900	$84,940	$253,960	$114,428 45.1%	$19,682 7.8%	$119,861 47.2%	ok
Sep 2025	87	$243,850	$58,840	$185,010	$78,066 42.2%	$9,775 5.3%	$97,169 52.5%	ok
Oct 2025 ·11mo	108	$323,699	$75,379	$248,320	$104,532 42.1%	$18,625 7.5%	$125,163 50.4%	ok
Nov 2025 ·10mo	96	$283,150	$60,835	$222,315	$104,052 46.8%	$3,700 1.7%	$114,563 51.5%	ok
Dec 2025 ·9mo	79	$260,398	$52,775	$207,623	$69,812 33.6%	$6,367 3.1%	$131,445 63.3%	ok
Jan 2026 ·8mo	121	$392,232	$96,637	$295,595	$98,327 33.3%	$23,450 7.9%	$173,818 58.8%	ok
Feb 2026 ·7mo	79	$249,100	$54,615	$194,485	$64,048 32.9%	$3,200 1.6%	$127,237 65.4%	ok
Mar 2026 ·6mo	93	$285,850	$63,273	$222,577	$54,126 24.3%	$10,400 4.7%	$158,051 71.0%	ok
Apr 2026 ·5mo	81	$260,060	$54,756	$205,304	$41,827 20.4%	$6,250 3.0%	$157,227 76.6%	ok
May 2026 ·4mo	96	$286,650	$59,533	$227,117	$38,879 17.1%	$8,050 3.5%	$180,188 79.3%	ok
Jun 2026 ·3mo	99	$311,600	$71,632	$239,968	$27,123 11.3%	$14,279 6.0%	$198,567 82.7%	ok
Jul 2026 ·2mo	95	$300,650	$66,730	$233,920	$20,968 9.0%	$5,700 2.4%	$207,252 88.6%	ok
Aug 2026 ·1mo	71	$207,450	$43,320	$164,130	$2,857 1.7%	$14,525 8.8%	$146,749 89.4%	ok
Sep 2026 ·0mo	32	$99,500	$21,516	$77,984	$0 0.0%	$0 0.0%	$77,984 100.0%	ok
TOTAL	9115	$24,823,629	$5,098,457	$19,725,172	$9,488,716 48.1%	$3,017,918 15.3%	$7,219,482 36.6%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 9,112 of 9,115 agreements' finance schedules (3 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jan 2019	$124,389	9.19%	13.20%	13.63%	4.95%	4.44%	3.46%	2.87%	1.83%	1.06%	1.06%	0.63%	1.58%	5.03%	62.92%
Feb 2019	$120,417	8.69%	13.54%	5.85%	4.31%	3.11%	3.05%	4.28%	2.78%	1.31%	1.37%	1.09%	0.82%	6.15%	56.35%
Mar 2019	$163,208	5.08%	8.73%	6.56%	4.45%	5.41%	5.35%	4.01%	4.00%	3.10%	2.09%	1.81%	1.62%	4.25%	56.45%
Apr 2019	$114,021	9.10%	7.52%	3.73%	3.09%	3.00%	2.57%	2.83%	1.48%	2.00%	1.22%	2.80%	0.90%	1.61%	41.87%
May 2019	$87,475	3.88%	10.81%	6.52%	5.07%	3.50%	2.06%	1.59%	0.50%	0.92%	0.86%	0.46%	0.48%	1.70%	38.36%
Jun 2019	$119,950	10.61%	9.82%	3.53%	4.67%	3.79%	7.37%	3.30%	2.90%	2.37%	1.52%	0.72%	0.93%	4.77%	56.31%
Jul 2019	$86,021	3.69%	24.15%	9.46%	7.54%	7.08%	5.24%	4.45%	4.03%	2.36%	1.69%	3.47%	2.30%	4.47%	79.93%
Aug 2019	$124,899	6.85%	8.67%	5.54%	5.94%	5.07%	6.91%	5.23%	2.36%	1.85%	2.04%	1.68%	1.59%	5.64%	59.37%
Sep 2019	$114,062	6.76%	9.39%	5.73%	5.82%	3.84%	4.24%	4.10%	0.77%	0.79%	0.39%	0.39%	0.46%	4.12%	46.79%
Oct 2019	$163,147	10.58%	9.46%	7.74%	6.18%	5.30%	5.55%	3.56%	2.68%	3.00%	2.17%	2.11%	1.40%	6.62%	66.35%
Nov 2019	$129,144	7.25%	8.30%	6.62%	6.83%	5.02%	3.16%	3.06%	4.22%	2.12%	2.10%	3.17%	1.91%	5.73%	59.49%
Dec 2019	$92,850	3.96%	10.30%	7.72%	9.34%	6.25%	3.48%	5.29%	1.57%	1.23%	1.09%	0.97%	0.73%	4.72%	56.64%
Jan 2020	$120,837	6.93%	13.14%	8.20%	6.19%	3.22%	5.13%	4.69%	3.59%	1.81%	1.45%	0.80%	1.03%	5.47%	61.65%
Feb 2020	$179,391	13.71%	6.40%	2.48%	3.89%	1.98%	2.54%	1.23%	1.39%	1.60%	1.98%	1.65%	1.80%	9.04%	49.69%
Mar 2020	$58,675	2.95%	6.34%	19.89%	3.40%	3.73%	2.49%	3.70%	4.09%	2.73%	2.03%	0.94%	0.17%	4.08%	56.55%
Jun 2020	$157,085	1.97%	12.26%	9.25%	5.60%	4.87%	6.69%	5.41%	2.77%	1.51%	1.69%	2.15%	2.56%	1.97%	58.71%
Jul 2020	$202,700	10.06%	12.82%	5.62%	4.22%	3.72%	3.49%	2.84%	1.42%	1.09%	1.62%	0.98%	0.99%	4.58%	53.46%
Aug 2020	$249,973	11.88%	9.36%	4.78%	4.09%	3.26%	5.49%	3.12%	2.40%	0.75%	0.86%	0.94%	1.19%	5.53%	53.65%
Sep 2020	$241,308	7.06%	11.68%	5.69%	4.97%	3.65%	4.72%	3.02%	0.90%	0.79%	1.96%	0.61%	0.48%	4.75%	50.27%
Oct 2020	$243,200	6.64%	8.04%	6.70%	5.88%	4.79%	4.90%	5.01%	3.05%	2.57%	2.12%	0.61%	0.69%	2.44%	53.45%
Nov 2020	$214,116	5.13%	9.40%	10.20%	7.02%	3.23%	3.86%	3.16%	1.91%	1.65%	0.99%	1.34%	1.17%	3.66%	52.73%
Dec 2020	$218,602	7.83%	14.67%	11.10%	7.96%	4.01%	3.86%	3.79%	1.24%	1.59%	1.05%	1.01%	0.39%	3.88%	62.39%
Jan 2021	$228,832	7.90%	13.24%	7.29%	8.53%	4.74%	3.08%	2.36%	1.59%	1.73%	1.29%	1.13%	1.03%	3.34%	57.25%
Feb 2021	$235,725	6.09%	13.27%	9.79%	5.68%	5.04%	4.09%	2.94%	2.58%	1.84%	2.13%	1.68%	1.53%	4.43%	61.08%
Mar 2021	$339,689	9.49%	13.36%	5.23%	5.06%	4.08%	2.82%	2.82%	2.02%	1.54%	1.05%	1.03%	0.83%	2.56%	51.91%
Apr 2021	$327,854	3.50%	12.61%	9.02%	5.78%	5.59%	3.14%	2.69%	2.76%	1.68%	1.18%	1.33%	0.67%	1.91%	51.86%
May 2021	$315,138	5.11%	13.04%	9.62%	4.19%	3.26%	2.49%	2.42%	1.73%	1.83%	1.46%	1.80%	1.10%	3.50%	51.54%
Jun 2021	$331,725	5.02%	12.64%	6.82%	4.19%	4.59%	5.05%	3.49%	2.59%	2.51%	2.01%	2.34%	1.62%	3.09%	55.96%
Jul 2021	$303,510	2.47%	11.49%	8.82%	4.29%	4.15%	3.52%	3.60%	2.68%	2.00%	2.65%	1.54%	1.39%	4.56%	53.15%
Aug 2021	$311,970	8.86%	11.29%	7.61%	4.70%	3.44%	4.18%	3.11%	2.66%	2.43%	1.69%	1.75%	1.23%	4.07%	57.03%
Sep 2021	$195,230	4.23%	10.28%	3.77%	4.25%	6.84%	3.94%	2.49%	2.97%	0.90%	0.89%	0.98%	1.28%	3.31%	46.12%
Oct 2021	$347,290	3.49%	11.30%	6.12%	5.36%	6.19%	4.62%	3.98%	4.17%	2.47%	2.81%	2.31%	1.50%	3.58%	57.90%
Nov 2021	$348,790	4.24%	7.10%	8.48%	5.86%	6.61%	4.15%	2.52%	1.88%	1.64%	1.21%	1.66%	0.73%	3.72%	49.80%
Dec 2021	$235,320	7.16%	10.62%	6.76%	5.72%	4.54%	5.12%	3.04%	2.69%	1.85%	2.22%	2.44%	1.33%	5.17%	58.66%
Jan 2022	$247,705	3.19%	7.24%	8.88%	7.95%	5.87%	4.03%	3.14%	2.59%	2.40%	2.17%	0.71%	1.12%	4.11%	53.41%
Feb 2022	$264,630	5.65%	10.83%	6.56%	5.21%	2.57%	2.78%	4.51%	2.11%	1.71%	2.08%	1.51%	0.70%	3.11%	49.34%
Mar 2022	$317,050	6.34%	11.62%	8.38%	5.45%	3.74%	3.14%	2.58%	2.58%	1.26%	1.34%	1.08%	0.72%	3.06%	51.29%
Apr 2022	$257,895	5.70%	13.50%	7.77%	4.18%	5.86%	3.50%	2.46%	1.64%	1.64%	0.74%	1.14%	0.44%	1.92%	50.47%
May 2022	$250,757	8.97%	10.02%	3.83%	3.22%	2.32%	3.96%	2.20%	1.27%	0.99%	1.07%	1.02%	1.63%	2.47%	42.98%
Jun 2022	$221,029	7.05%	8.25%	6.46%	3.34%	3.82%	4.29%	3.18%	2.14%	2.49%	1.57%	1.87%	1.44%	5.32%	51.22%
Jul 2022	$233,455	4.84%	12.80%	4.93%	4.25%	4.88%	3.17%	3.22%	3.09%	2.21%	1.58%	1.05%	1.10%	0.88%	48.01%
Aug 2022	$255,779	5.20%	9.13%	6.78%	4.62%	3.17%	3.99%	2.98%	1.70%	1.27%	0.92%	1.32%	0.35%	0.83%	42.24%
Sep 2022	$209,165	3.71%	12.95%	6.72%	6.13%	4.66%	3.36%	4.07%	3.04%	2.06%	2.30%	1.38%	1.00%	0.86%	52.25%
Oct 2022	$282,679	4.63%	12.61%	7.09%	6.08%	3.99%	3.73%	3.35%	2.87%	2.74%	1.65%	1.45%	1.07%	2.79%	54.05%
Nov 2022	$209,232	3.97%	10.04%	5.83%	4.05%	4.36%	3.90%	5.37%	2.10%	2.43%	1.91%	0.99%	0.90%	1.50%	47.36%
Dec 2022	$182,210	5.03%	6.55%	7.23%	5.36%	5.43%	2.68%	4.58%	2.92%	2.32%	3.04%	1.84%	0.80%	3.41%	51.20%
Jan 2023	$180,230	3.04%	13.02%	6.34%	4.17%	8.18%	3.16%	4.32%	3.15%	3.03%	3.08%	2.69%	1.73%	4.87%	60.77%
Feb 2023	$195,979	2.60%	10.98%	6.84%	6.39%	4.48%	3.31%	3.05%	2.17%	1.85%	1.30%	1.24%	0.71%	2.45%	47.36%
Mar 2023	$223,507	5.48%	9.05%	5.91%	5.96%	2.90%	3.10%	2.98%	1.76%	1.90%	1.48%	1.51%	1.33%	3.26%	46.62%
Apr 2023	$175,566	6.00%	8.65%	7.07%	5.20%	3.52%	3.63%	2.17%	2.05%	2.39%	2.12%	2.79%	1.30%	3.42%	50.31%
May 2023	$206,455	5.11%	10.18%	8.30%	3.62%	3.90%	3.39%	3.15%	3.61%	3.33%	3.13%	2.47%	1.91%	5.28%	57.37%
Jun 2023	$200,402	7.84%	9.98%	5.72%	4.57%	5.97%	3.81%	2.08%	2.91%	1.43%	1.51%	1.50%	1.01%	2.74%	51.07%
Jul 2023	$177,007	7.62%	7.16%	7.40%	6.56%	5.29%	3.72%	2.72%	2.33%	1.93%	2.35%	1.57%	1.54%	2.97%	53.17%
Aug 2023	$129,330	5.59%	15.15%	5.01%	5.99%	3.46%	2.62%	1.62%	3.17%	2.33%	1.13%	3.74%	1.14%	2.00%	52.96%
Sep 2023	$138,429	9.90%	12.40%	5.32%	5.02%	3.63%	3.90%	2.37%	1.90%	2.67%	1.33%	2.00%	0.97%	3.54%	54.95%
Oct 2023	$141,773	7.05%	8.07%	4.58%	4.98%	3.28%	2.84%	2.60%	1.89%	1.48%	1.28%	0.89%	0.40%	2.67%	42.02%
Nov 2023	$204,320	0.97%	5.97%	6.75%	5.19%	5.91%	4.58%	3.94%	3.49%	3.70%	3.60%	2.94%	2.58%	8.09%	57.73%
Dec 2023	$172,515	2.10%	6.33%	6.39%	5.12%	5.25%	4.75%	4.71%	2.85%	3.12%	2.68%	2.63%	2.39%	6.06%	54.39%
Jan 2024	$200,187	0.52%	6.60%	5.10%	6.20%	5.56%	4.10%	4.96%	4.37%	2.94%	2.43%	2.15%	2.30%	7.28%	54.49%
Feb 2024	$172,600	0.78%	8.24%	6.87%	6.24%	4.24%	3.97%	4.36%	4.60%	4.57%	3.53%	3.15%	3.44%	8.29%	62.30%
Mar 2024	$296,315	2.81%	6.81%	5.98%	4.69%	4.01%	4.50%	3.44%	3.24%	3.14%	3.00%	2.86%	2.35%	5.72%	52.55%
Apr 2024	$275,965	0.72%	7.82%	4.96%	4.69%	4.74%	4.93%	4.39%	3.84%	3.49%	4.08%	3.36%	2.88%	6.98%	56.89%
May 2024	$193,540	0.65%	7.97%	5.82%	4.76%	4.15%	4.40%	4.38%	3.97%	4.25%	4.01%	3.89%	1.50%	4.05%	53.80%
Jun 2024	$221,214	3.97%	7.59%	7.66%	5.41%	5.27%	5.72%	5.37%	3.70%	3.47%	3.32%	3.32%	2.06%	3.11%	59.96%
Jul 2024	$182,580	0.00%	7.53%	5.52%	5.03%	4.80%	4.44%	4.65%	4.38%	4.10%	3.00%	2.84%	1.75%	4.19%	52.22%
Aug 2024	$202,440	0.24%	7.60%	7.68%	5.64%	4.64%	4.25%	4.01%	2.96%	3.17%	2.12%	2.59%	1.17%	3.39%	49.46%
Sep 2024	$227,571	1.91%	6.66%	4.68%	5.17%	3.49%	3.75%	3.35%	4.26%	1.70%	2.60%	2.90%	1.46%	5.05%	46.99%
Oct 2024	$183,740	0.05%	7.44%	5.97%	5.09%	4.89%	4.13%	5.51%	2.27%	2.94%	2.82%	2.75%	1.51%	3.09%	48.45%
Nov 2024	$242,424	0.35%	8.29%	6.25%	5.50%	5.30%	4.71%	3.60%	3.51%	3.55%	3.17%	2.65%	2.52%	6.31%	55.72%
Dec 2024	$247,340	0.00%	6.74%	5.71%	5.26%	4.71%	4.08%	3.69%	3.47%	3.00%	3.35%	2.92%	1.38%	3.90%	48.19%
Jan 2025	$324,820	0.75%	6.98%	4.93%	5.21%	3.50%	4.29%	3.69%	3.40%	4.00%	3.99%	3.08%	1.32%	5.13%	50.26%
Feb 2025	$292,530	0.56%	8.15%	6.67%	6.14%	5.36%	5.74%	4.56%	4.37%	4.44%	3.58%	3.89%	1.08%	3.76%	58.30%
Mar 2025	$346,126	0.04%	6.92%	6.02%	4.13%	4.70%	4.16%	3.71%	3.98%	3.11%	3.71%	2.71%	1.60%	4.08%	48.86%
Apr 2025	$272,922	3.33%	6.25%	5.33%	5.27%	5.37%	4.30%	3.76%	3.80%	3.41%	2.99%	3.06%	0.91%	3.00%	50.79%
May 2025	$324,843	0.31%	5.84%	5.37%	4.49%	3.48%	4.16%	2.98%	2.72%	3.15%	2.25%	2.54%	1.00%	1.98%	40.25%
Jun 2025	$331,414	0.00%	6.00%	5.66%	5.05%	4.61%	4.04%	3.64%	3.71%	3.27%	3.29%	3.02%	1.52%	3.21%	47.02%
Jul 2025	$284,653	1.04%	6.11%	5.31%	4.35%	4.17%	3.78%	3.55%	4.19%	4.07%	2.90%	2.93%	1.88%	1.79%	46.06%
Aug 2025	$253,960	0.67%	5.89%	6.10%	4.70%	5.32%	4.21%	3.11%	2.89%	3.47%	3.33%	2.80%	2.05%	1.52%	46.06%
Sep 2025	$185,010	0.00%	5.43%	5.62%	5.07%	4.50%	4.53%	4.17%	3.64%	4.87%	1.95%	2.06%	0.83%	0.40%	43.08%
Oct 2025	$248,320	1.13%	5.88%	5.78%	5.30%	4.13%	4.04%	3.91%	3.65%	3.84%	2.96%	2.48%	0.71%	0.00%	43.81%
Nov 2025	$222,315	0.79%	6.65%	6.43%	5.09%	5.56%	5.34%	4.82%	3.98%	3.86%	3.22%	0.98%	0.00%	0.00%	46.72%
Dec 2025	$207,623	0.65%	5.42%	5.37%	5.96%	3.45%	3.54%	2.71%	3.07%	2.54%	0.55%	0.00%	0.00%	0.00%	33.25%
Jan 2026	$295,595	3.16%	6.51%	5.17%	4.47%	3.68%	4.42%	3.01%	2.22%	0.78%	0.00%	0.00%	0.00%	0.00%	33.44%
Feb 2026	$194,485	2.24%	6.13%	4.82%	4.93%	6.02%	3.87%	3.30%	0.80%	0.00%	0.00%	0.00%	0.00%	0.00%	32.12%
Mar 2026	$222,577	0.27%	6.31%	5.27%	3.93%	3.88%	3.39%	1.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	24.11%
Apr 2026	$205,304	0.61%	5.10%	5.32%	3.58%	4.28%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	19.64%
May 2026	$227,117	0.73%	7.30%	4.85%	3.79%	0.49%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.15%
Jun 2026	$239,968	0.15%	5.19%	4.38%	1.73%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.44%
Jul 2026	$233,920	1.91%	5.65%	0.80%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.36%
Aug 2026	$164,130	0.98%	1.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.19%
Sep 2026	$69,109	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$17,185,834	4.47%	9.58%	6.66%	5.21%	4.49%	4.05%	3.48%	2.80%	2.42%	2.16%	1.98%	1.32%	3.79%	52.42%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 79 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $683,564 (46% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $672,863 against an actual $805,235 — -16.4%, so the model runs slightly conservative. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$90,912 20.3%
Nov 2026	+2	$74,491 16.7%
Dec 2026	+3	$61,583 13.8%
Jan 2027	+4	$51,135 11.4%
Feb 2027	+5	$41,673 9.3%
Mar 2027	+6	$33,963 7.6%
Apr 2027	+7	$27,323 6.1%
May 2027	+8	$21,697 4.9%
Jun 2027	+9	$16,640 3.7%
Jul 2027	+10	$12,283 2.7%
Aug 2027	+11	$8,942 2.0%
Sep 2027	+12	$6,607 1.5%
NEXT 12 MONTHS		$447,251 6.2% of the $7,219,482 outstanding

Is the collection and outreach effort working?

A young cohort cannot be judged on its lifetime total — it has not had the months. So each month is measured against the baseline at its own age. Index 100 = collecting exactly what cohorts of that age normally had by now; above 100 = ahead of the historical curve, below = behind. This is the number that moves when collection or outreach changes, and it is comparable across months in a way the raw % never is.

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$239,968	$23,317 9.7%	$49,688 20.7%	47	$-26,371
May 2026	3	$227,117	$37,847 16.7%	$58,849 25.9%	64	$-21,002
Apr 2026	4	$205,304	$38,793 18.9%	$62,423 30.4%	62	$-23,630
Mar 2026	5	$222,577	$51,295 23.0%	$76,680 34.5%	67	$-25,386
Feb 2026	6	$194,485	$60,920 31.3%	$73,770 37.9%	83	$-12,851
Jan 2026	7	$295,595	$96,515 32.7%	$120,406 40.7%	80	$-23,891
Dec 2025	8	$207,623	$67,898 32.7%	$89,605 43.2%	76	$-21,707
Nov 2025	9	$222,315	$101,695 45.7%	$100,758 45.3%	101	+$936
Oct 2025	10	$248,320	$107,027 43.1%	$117,466 47.3%	91	$-10,439
Sep 2025	11	$185,010	$78,964 42.7%	$89,968 48.6%	88	$-11,004
Aug 2025	12	$253,960	$116,738 46.0%	$126,173 49.7%	93	$-9,435
Jul 2025	13	$284,653	$131,098 46.1%	$143,027 50.2%	92	$-11,929
Jun 2025	14	$331,414	$155,701 47.0%	$167,880 50.7%	93	$-12,179
May 2025	15	$324,843	$130,570 40.2%	$165,620 51.0%	79	$-35,050
Apr 2025	16	$272,922	$138,623 50.8%	$139,754 51.2%	99	$-1,131
Mar 2025	17	$346,126	$168,370 48.6%	$177,889 51.4%	95	$-9,519
Feb 2025	18	$292,530	$170,550 58.3%	$150,758 51.5%	113	+$19,792
Jan 2025	19	$324,820	$163,246 50.3%	$167,797 51.7%	97	$-4,551
Dec 2024	20	$247,340	$119,201 48.2%	$127,955 51.7%	93	$-8,754
Nov 2024	21	$242,424	$135,076 55.7%	$125,595 51.8%	108	+$9,481
Oct 2024	22	$183,740	$89,018 48.4%	$95,329 51.9%	93	$-6,311
Sep 2024	23	$227,571	$106,939 47.0%	$118,199 51.9%	90	$-11,260
Aug 2024	24	$202,440	$100,120 49.5%	$105,227 52.0%	95	$-5,107
Jul 2024	25	$182,580	$95,347 52.2%	$94,950 52.0%	100	+$397
Jun 2024	26	$221,214	$132,640 60.0%	$115,149 52.1%	115	+$17,491
May 2024	27	$193,540	$104,129 53.8%	$100,829 52.1%	103	+$3,300
Apr 2024	28	$275,965	$157,005 56.9%	$143,819 52.1%	109	+$13,187
Mar 2024	29	$296,315	$155,715 52.6%	$154,480 52.1%	101	+$1,235
Feb 2024	30	$172,600	$107,527 62.3%	$89,999 52.1%	119	+$17,528
Jan 2024	31	$200,187	$109,091 54.5%	$104,421 52.2%	104	+$4,669

Chargebacks and refunds — netted out here, not in the curve

Money that came in and then went back out. Kept off the cash-in curve deliberately. Check proves gross − reversals equals the ledger's own net collected for that month, which is what ties this tab to the monthly one. Top 24 months by amount reversed.

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
Jun 2022	$221,029	$113,209 51.2%	$7,038 6.2%	$106,172	$106,172	ok
Oct 2021	$347,290	$201,068 57.9%	$6,950 3.5%	$194,118	$194,120	ok
Nov 2022	$209,232	$99,094 47.4%	$6,791 6.9%	$92,303	$92,303	ok
Jan 2022	$247,705	$132,288 53.4%	$6,629 5.0%	$125,659	$125,659	ok
May 2023	$206,455	$118,442 57.4%	$5,940 5.0%	$112,502	$112,502	ok
Apr 2025	$272,922	$138,623 50.8%	$5,815 4.2%	$132,808	$135,061	$-2,253
Oct 2025	$248,320	$108,782 43.8%	$4,975 4.6%	$103,807	$104,532	$-725
Jan 2025	$324,820	$163,246 50.3%	$4,264 2.6%	$158,982	$164,173	$-5,191
Nov 2024	$242,424	$135,076 55.7%	$4,145 3.1%	$130,932	$132,778	$-1,846
Feb 2025	$292,530	$170,550 58.3%	$4,083 2.4%	$166,467	$168,332	$-1,865
Mar 2024	$296,315	$155,715 52.6%	$3,678 2.4%	$152,037	$153,008	$-971
Jan 2020	$120,837	$74,501 61.7%	$3,642 4.9%	$70,859	$70,859	ok
Aug 2023	$129,330	$68,497 53.0%	$3,621 5.3%	$64,876	$64,876	ok
Aug 2022	$255,779	$108,040 42.2%	$3,545 3.3%	$104,495	$104,495	ok
Nov 2021	$348,790	$173,714 49.8%	$3,522 2.0%	$170,193	$170,193	ok
Jun 2023	$200,402	$102,348 51.1%	$3,380 3.3%	$98,968	$98,968	ok
Jul 2022	$233,455	$112,082 48.0%	$3,352 3.0%	$108,730	$108,730	ok
Apr 2021	$327,854	$170,014 51.9%	$3,238 1.9%	$166,776	$166,776	ok
Jun 2021	$331,725	$185,618 56.0%	$3,200 1.7%	$182,418	$182,418	ok
Jul 2021	$303,510	$161,330 53.2%	$2,977 1.8%	$158,354	$158,354	ok
Jul 2025	$284,653	$131,098 46.1%	$2,973 2.3%	$128,126	$128,926	$-800
Apr 2022	$257,895	$130,168 50.5%	$2,853 2.2%	$127,316	$127,316	ok
Oct 2020	$243,200	$129,999 53.5%	$2,839 2.2%	$127,160	$128,603	$-1,443
Mar 2022	$317,050	$162,629 51.3%	$2,823 1.7%	$159,806	$159,806	ok
ALL MONTHS	$19,716,297	$9,635,733 48.9%	$193,766 2.0%	$9,441,967

Orlando — 995 agreements, $2,383,195 of finance written

Finance written

$2,383,195

Collected

$284,525 11.9%

Written off

$98,366 4.1%

Still outstanding

$2,000,307 83.9%

Deposit taken

$561,695

Sale value

$2,944,890

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Feb 2026 ·7mo	81	$257,350	$47,255	$210,095	$48,928 23.3%	$500 0.2%	$160,667 76.5%	ok
Mar 2026 ·6mo	133	$387,875	$73,199	$314,676	$68,770 21.9%	$12,281 3.9%	$233,627 74.2%	ok
Apr 2026 ·5mo	92	$262,000	$44,740	$217,260	$31,890 14.7%	$7,600 3.5%	$177,770 81.8%	ok
May 2026 ·4mo	151	$442,785	$85,529	$357,256	$50,244 14.1%	$23,410 6.6%	$283,602 79.4%	ok
Jun 2026 ·3mo	155	$490,920	$96,042	$394,878	$43,218 10.9%	$30,875 7.8%	$320,785 81.2%	ok
Jul 2026 ·2mo	153	$458,050	$83,210	$374,840	$35,679 9.5%	$9,250 2.5%	$329,911 88.0%	ok
Aug 2026 ·1mo	173	$487,460	$102,005	$385,455	$5,795 1.5%	$14,450 3.7%	$365,210 94.7%	ok
Sep 2026 ·0mo	57	$158,450	$29,715	$128,735	$0 0.0%	$0 0.0%	$128,735 100.0%	ok
TOTAL	995	$2,944,890	$561,695	$2,383,195	$284,525 11.9%	$98,366 4.1%	$2,000,307 83.9%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 991 of 995 agreements' finance schedules (4 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Feb 2026	$210,095	0.00%	6.05%	4.16%	3.33%	3.71%	3.03%	2.61%	0.16%	0.00%	0.00%	0.00%	0.00%	0.00%	23.05%
Mar 2026	$314,676	0.10%	5.22%	5.24%	3.63%	3.28%	2.75%	1.26%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	21.47%
Apr 2026	$217,260	0.27%	4.83%	4.09%	3.42%	2.73%	0.42%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.76%
May 2026	$357,256	1.29%	6.66%	3.25%	3.47%	0.22%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.89%
Jun 2026	$394,878	1.29%	5.19%	3.36%	0.54%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.38%
Jul 2026	$374,840	1.14%	6.76%	1.38%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	9.29%
Aug 2026	$385,455	0.31%	0.65%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.96%
Sep 2026	$118,835	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$0	—	—	—	—	—	—	—	—	—	—	—	—	—	—

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 0 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
May 2026	$357,256	$53,199 14.9%	$4,186 7.9%	$49,014	$50,244	$-1,231
Apr 2026	$217,260	$34,242 15.8%	$2,988 8.7%	$31,254	$31,890	$-636
Jul 2026	$374,840	$34,804 9.3%	$2,163 6.2%	$32,642	$35,679	$-3,037
Feb 2026	$210,095	$48,427 23.0%	$583 1.2%	$47,843	$48,928	$-1,085
Aug 2026	$385,455	$3,710 1.0%	$550 14.8%	$3,160	$5,795	$-2,635
Mar 2026	$314,676	$67,562 21.5%	$550 0.8%	$67,012	$68,770	$-1,758
Jun 2026	$394,878	$40,976 10.4%	$498 1.2%	$40,479	$43,218	$-2,739
ALL MONTHS	$2,373,295	$282,920 11.9%	$11,516 4.1%	$271,403

New York — 22,821 agreements, $50,706,433 of finance written

Finance written

$50,706,433

Collected

$22,449,442 44.3%

Written off

$11,979,545 23.6%

Still outstanding

$16,280,245 32.1%

Deposit taken

$11,237,351

Sale value

$61,943,784

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Mar 2019	6	$11,320	$1,850	$9,470	$5,030 53.1%	$4,140 43.7%	$300 3.2%	ok
Apr 2019	141	$181,812	$38,407	$143,405	$76,842 53.6%	$38,654 27.0%	$27,907 19.5%	ok
May 2019	169	$282,841	$53,733	$229,109	$123,533 53.9%	$48,356 21.1%	$57,238 25.0%	ok
Jun 2019	166	$269,372	$53,976	$215,396	$132,948 61.7%	$35,606 16.5%	$46,843 21.7%	ok
Jul 2019	164	$264,249	$56,199	$208,051	$130,466 62.7%	$28,108 13.5%	$49,470 23.8%	ok
Aug 2019	203	$316,101	$71,984	$244,117	$170,274 69.8%	$43,680 17.9%	$30,173 12.4%	ok
Sep 2019	166	$270,846	$64,070	$206,776	$138,303 66.9%	$33,861 16.4%	$34,636 16.8%	ok
Oct 2019	172	$269,298	$62,906	$206,392	$125,558 60.8%	$39,660 19.2%	$41,161 19.9%	ok
Nov 2019	183	$288,405	$67,757	$220,648	$150,919 68.4%	$38,028 17.2%	$31,708 14.4%	ok
Dec 2019	164	$262,221	$69,751	$192,471	$124,755 64.8%	$39,953 20.8%	$27,751 14.4%	ok
Jan 2020	223	$393,221	$84,288	$308,933	$192,128 62.2%	$69,813 22.6%	$47,044 15.2%	ok
Feb 2020	331	$526,138	$125,797	$400,341	$269,917 67.4%	$72,324 18.1%	$58,121 14.5%	ok
Mar 2020	171	$321,954	$73,915	$248,040	$176,145 71.0%	$31,387 12.7%	$40,543 16.3%	ok
Jul 2020	156	$337,292	$81,337	$255,955	$160,588 62.7%	$30,539 11.9%	$64,853 25.3%	ok
Aug 2020	299	$695,417	$148,622	$546,795	$323,497 59.2%	$86,991 15.9%	$136,310 24.9%	ok
Sep 2020	279	$742,371	$157,093	$585,278	$319,124 54.5%	$125,986 21.5%	$140,174 23.9%	ok
Oct 2020	260	$678,661	$158,805	$519,856	$339,129 65.2%	$86,047 16.6%	$94,684 18.2%	ok
Nov 2020	244	$622,595	$114,534	$508,061	$268,162 52.8%	$107,134 21.1%	$132,779 26.1%	ok
Dec 2020	212	$461,771	$91,543	$370,228	$225,662 61.0%	$67,761 18.3%	$76,805 20.7%	ok
Jan 2021	234	$518,760	$114,057	$404,703	$255,000 63.0%	$78,754 19.5%	$70,951 17.5%	ok
Feb 2021	219	$559,774	$104,120	$455,654	$269,745 59.2%	$100,759 22.1%	$85,151 18.7%	ok
Mar 2021	280	$793,941	$155,569	$638,372	$292,569 45.8%	$189,373 29.7%	$156,455 24.5%	ok
Apr 2021	316	$866,811	$163,494	$703,317	$331,158 47.1%	$199,663 28.4%	$172,482 24.5%	ok
May 2021	497	$1,510,985	$269,070	$1,241,915	$577,607 46.5%	$376,535 30.3%	$287,809 23.2%	ok
Jun 2021	550	$1,688,063	$314,548	$1,373,515	$564,478 41.1%	$458,900 33.4%	$350,205 25.5%	ok
Jul 2021	564	$1,684,674	$297,567	$1,387,107	$591,304 42.6%	$433,804 31.3%	$362,049 26.1%	ok
Aug 2021	536	$1,589,197	$268,760	$1,320,437	$609,667 46.2%	$402,622 30.5%	$308,212 23.3%	ok
Sep 2021	437	$1,308,374	$243,203	$1,065,171	$527,874 49.6%	$309,690 29.1%	$227,694 21.4%	ok
Oct 2021	470	$1,445,567	$260,185	$1,185,382	$572,850 48.3%	$363,921 30.7%	$248,657 21.0%	ok
Nov 2021	405	$1,340,399	$227,422	$1,112,977	$496,080 44.6%	$368,786 33.1%	$248,180 22.3%	ok
Dec 2021	356	$1,069,340	$178,342	$890,998	$369,375 41.5%	$306,932 34.4%	$214,714 24.1%	ok
Jan 2022	369	$1,130,473	$208,506	$921,967	$458,364 49.7%	$269,886 29.3%	$193,735 21.0%	ok
Feb 2022	442	$1,420,145	$226,364	$1,193,781	$496,515 41.6%	$411,081 34.4%	$286,303 24.0%	ok
Mar 2022	443	$1,489,494	$243,201	$1,246,293	$499,645 40.1%	$446,395 35.8%	$300,348 24.1%	ok
Apr 2022	392	$1,317,918	$234,696	$1,083,223	$395,207 36.5%	$416,129 38.4%	$271,989 25.1%	ok
May 2022	355	$1,165,509	$184,117	$981,392	$319,589 32.6%	$419,819 42.8%	$242,072 24.7%	ok
Jun 2022	272	$891,350	$147,563	$743,787	$265,719 35.7%	$307,820 41.4%	$170,310 22.9%	ok
Jul 2022	392	$1,325,650	$210,258	$1,115,392	$448,098 40.2%	$446,335 40.0%	$221,069 19.8%	ok
Aug 2022	351	$1,089,880	$177,853	$912,027	$404,597 44.4%	$342,968 37.6%	$164,492 18.0%	ok
Sep 2022	363	$1,121,539	$184,390	$937,149	$360,212 38.4%	$372,974 39.8%	$204,005 21.8%	ok
Oct 2022	369	$1,143,093	$193,239	$949,854	$402,559 42.4%	$323,503 34.1%	$223,798 23.6%	ok
Nov 2022	338	$1,032,939	$171,411	$861,528	$355,979 41.3%	$286,301 33.2%	$219,323 25.5%	ok
Dec 2022	282	$801,769	$129,620	$672,149	$288,782 43.0%	$229,219 34.1%	$154,207 22.9%	ok
Jan 2023	335	$1,006,274	$166,932	$839,342	$384,923 45.9%	$265,975 31.7%	$188,487 22.5%	ok
Feb 2023	261	$815,675	$126,243	$689,432	$272,667 39.5%	$232,166 33.7%	$184,645 26.8%	ok
Mar 2023	281	$863,245	$147,373	$715,872	$324,972 45.4%	$223,214 31.2%	$167,757 23.4%	ok
Apr 2023	226	$662,589	$122,122	$540,467	$229,007 42.4%	$171,579 31.7%	$139,947 25.9%	ok
May 2023	217	$638,798	$114,860	$523,938	$219,874 42.0%	$172,668 33.0%	$131,448 25.1%	ok
Jun 2023	227	$657,388	$123,832	$533,556	$235,910 44.2%	$165,785 31.1%	$131,923 24.7%	ok
Jul 2023	212	$587,699	$96,472	$491,227	$217,264 44.2%	$154,565 31.5%	$119,463 24.3%	ok
Aug 2023	221	$646,599	$114,521	$532,078	$239,154 44.9%	$137,760 25.9%	$155,264 29.2%	ok
Sep 2023	227	$651,660	$105,204	$546,456	$226,514 41.5%	$178,130 32.6%	$141,870 26.0%	ok
Oct 2023	241	$641,750	$120,059	$521,691	$251,048 48.1%	$121,558 23.3%	$149,119 28.6%	ok
Nov 2023	212	$570,700	$101,525	$469,175	$175,050 37.3%	$142,955 30.5%	$151,193 32.2%	ok
Dec 2023	162	$361,450	$59,625	$301,825	$132,237 43.8%	$95,474 31.6%	$74,151 24.6%	ok
Jan 2024	224	$564,371	$117,059	$447,312	$229,232 51.2%	$59,089 13.2%	$159,083 35.6%	$93
Feb 2024	234	$564,749	$112,804	$451,945	$210,394 46.6%	$45,277 10.0%	$196,341 43.4%	ok
Mar 2024	258	$691,550	$134,225	$557,325	$282,457 50.7%	$49,409 8.9%	$225,509 40.5%	ok
Apr 2024	248	$641,177	$115,618	$525,559	$246,985 47.0%	$40,938 7.8%	$237,647 45.2%	ok
May 2024	288	$709,050	$135,375	$573,675	$288,470 50.3%	$45,857 8.0%	$239,416 41.7%	ok
Jun 2024	261	$678,300	$122,591	$555,709	$293,522 52.8%	$36,388 6.5%	$225,827 40.6%	ok
Jul 2024	266	$681,249	$126,716	$554,533	$296,314 53.4%	$46,663 8.4%	$211,571 38.2%	ok
Aug 2024	287	$700,059	$125,263	$574,796	$268,130 46.6%	$47,275 8.2%	$259,463 45.1%	ok
Sep 2024	248	$624,349	$115,965	$508,385	$272,838 53.7%	$46,327 9.1%	$189,227 37.2%	ok
Oct 2024	274	$688,099	$124,348	$563,751	$265,975 47.2%	$36,820 6.5%	$260,981 46.3%	ok
Nov 2024	242	$648,680	$118,780	$529,900	$264,815 50.0%	$38,756 7.3%	$226,372 42.7%	ok
Dec 2024	229	$599,650	$98,534	$501,116	$243,963 48.7%	$38,460 7.7%	$218,748 43.7%	ok
Jan 2025	255	$640,348	$112,279	$528,069	$273,853 51.9%	$32,137 6.1%	$222,102 42.1%	ok
Feb 2025	272	$721,196	$125,562	$595,634	$275,908 46.3%	$38,029 6.4%	$281,719 47.3%	ok
Mar 2025	287	$716,599	$121,339	$595,260	$224,874 37.8%	$52,459 8.8%	$317,981 53.4%	ok
Apr 2025	264	$697,799	$117,264	$580,535	$262,577 45.2%	$26,533 4.6%	$291,419 50.2%	ok
May 2025	266	$638,150	$109,070	$529,080	$204,684 38.7%	$44,133 8.3%	$280,276 53.0%	ok
Jun 2025	230	$600,869	$115,047	$485,822	$196,637 40.5%	$24,136 5.0%	$265,078 54.6%	ok
Jul 2025	210	$522,149	$98,868	$423,281	$158,998 37.6%	$21,420 5.1%	$242,874 57.4%	ok
Aug 2025	243	$619,849	$117,182	$502,667	$185,682 36.9%	$25,149 5.0%	$291,838 58.1%	ok
Sep 2025	210	$511,146	$98,163	$412,983	$154,196 37.3%	$20,853 5.0%	$237,949 57.6%	ok
Oct 2025 ·11mo	221	$520,124	$101,206	$418,918	$161,018 38.4%	$6,984 1.7%	$250,905 59.9%	ok
Nov 2025 ·10mo	224	$603,750	$122,984	$480,766	$155,950 32.4%	$51,763 10.8%	$273,051 56.8%	ok
Dec 2025 ·9mo	168	$479,223	$82,214	$397,009	$116,245 29.3%	$31,705 8.0%	$249,065 62.7%	ok
Jan 2026 ·8mo	168	$472,199	$83,230	$388,969	$125,425 32.2%	$18,225 4.7%	$245,327 63.1%	ok
Feb 2026 ·7mo	129	$344,850	$59,870	$284,980	$59,628 20.9%	$11,665 4.1%	$213,687 75.0%	ok
Mar 2026 ·6mo	146	$416,298	$68,495	$347,803	$57,362 16.5%	$15,600 4.5%	$274,843 79.0%	ok
Apr 2026 ·5mo	145	$424,349	$71,718	$352,631	$53,835 15.3%	$15,900 4.5%	$282,896 80.2%	ok
May 2026 ·4mo	140	$374,100	$67,301	$306,799	$44,765 14.6%	$14,150 4.6%	$247,884 80.8%	ok
Jun 2026 ·3mo	120	$343,600	$70,693	$272,907	$29,994 11.0%	$14,775 5.4%	$228,138 83.6%	ok
Jul 2026 ·2mo	137	$405,699	$75,807	$329,892	$24,303 7.4%	$8,600 2.6%	$296,989 90.0%	ok
Aug 2026 ·1mo	129	$374,649	$65,286	$309,363	$5,838 1.9%	$15,700 5.1%	$287,825 93.0%	ok
Sep 2026 ·0mo	35	$120,199	$23,611	$96,588	$0 0.0%	$6,350 6.6%	$90,238 93.4%	ok
TOTAL	22821	$61,943,784	$11,237,351	$50,706,433	$22,449,442 44.3%	$11,979,545 23.6%	$16,280,245 32.1%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 22,819 of 22,821 agreements' finance schedules (2 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Mar 2019	$9,470	0.00%	4.70%	4.91%	6.18%	3.85%	3.85%	3.85%	3.85%	3.85%	3.85%	3.85%	3.85%	6.49%	53.12%
Apr 2019	$143,405	5.82%	11.66%	9.23%	4.65%	5.09%	3.14%	2.57%	2.05%	1.42%	1.32%	0.47%	1.49%	4.88%	53.78%
May 2019	$229,109	5.18%	10.29%	8.76%	7.90%	4.39%	2.69%	2.52%	1.41%	1.93%	2.11%	1.43%	1.02%	7.29%	56.92%
Jun 2019	$215,396	8.19%	12.62%	7.84%	4.92%	4.55%	4.13%	2.27%	3.69%	1.46%	2.58%	1.95%	2.13%	5.23%	61.55%
Jul 2019	$208,051	7.66%	12.96%	7.27%	5.65%	5.22%	3.37%	2.95%	2.72%	2.18%	1.55%	1.84%	2.62%	6.98%	62.96%
Aug 2019	$244,117	8.71%	18.33%	10.07%	6.19%	4.34%	4.18%	4.25%	2.62%	2.10%	2.21%	1.80%	1.13%	4.37%	70.30%
Sep 2019	$206,776	11.26%	16.28%	7.94%	5.17%	5.50%	4.34%	2.92%	3.01%	2.99%	1.85%	1.74%	1.23%	4.09%	68.33%
Oct 2019	$206,392	7.29%	13.73%	9.06%	6.84%	3.65%	2.83%	3.95%	2.71%	2.56%	2.47%	1.95%	1.44%	3.49%	61.97%
Nov 2019	$220,648	11.90%	12.97%	9.08%	7.36%	4.18%	3.99%	3.11%	4.25%	2.46%	1.92%	1.37%	1.79%	4.24%	68.62%
Dec 2019	$192,471	5.43%	14.92%	12.76%	7.03%	5.75%	4.31%	2.48%	2.19%	1.59%	1.73%	1.70%	1.13%	5.55%	66.58%
Jan 2020	$308,933	9.74%	14.24%	7.49%	4.85%	6.41%	4.70%	3.63%	2.03%	2.00%	1.91%	1.22%	1.10%	3.66%	62.98%
Feb 2020	$400,341	5.73%	14.86%	7.80%	8.35%	8.02%	5.03%	3.69%	2.62%	2.04%	1.52%	1.38%	1.41%	6.51%	68.94%
Mar 2020	$248,040	8.00%	14.71%	11.37%	8.58%	5.64%	4.90%	3.30%	2.92%	1.84%	2.45%	1.66%	0.58%	5.94%	71.89%
Jul 2020	$255,955	8.68%	17.70%	7.10%	6.07%	4.53%	2.88%	4.24%	2.70%	2.23%	1.77%	1.16%	0.85%	3.10%	63.00%
Aug 2020	$546,795	7.66%	11.46%	8.97%	6.34%	4.29%	3.97%	3.45%	3.74%	1.93%	1.52%	1.65%	1.26%	3.98%	60.22%
Sep 2020	$585,278	6.09%	13.03%	6.49%	6.44%	5.11%	3.97%	3.73%	2.16%	2.07%	1.33%	1.22%	0.94%	3.18%	55.76%
Oct 2020	$519,856	8.96%	10.77%	8.69%	9.87%	6.98%	4.74%	3.89%	2.43%	2.66%	1.54%	0.76%	1.01%	4.59%	66.89%
Nov 2020	$508,061	6.29%	11.52%	7.54%	5.99%	5.85%	4.18%	2.72%	2.07%	1.47%	1.22%	1.62%	0.52%	2.45%	53.43%
Dec 2020	$370,228	9.82%	16.02%	10.00%	6.21%	3.07%	2.68%	2.75%	1.65%	1.61%	1.16%	0.75%	0.71%	4.71%	61.15%
Jan 2021	$404,703	7.23%	14.57%	14.13%	6.05%	5.98%	3.73%	2.06%	2.16%	1.30%	0.99%	0.82%	0.78%	4.59%	64.39%
Feb 2021	$455,654	6.74%	16.79%	8.58%	5.50%	4.81%	2.95%	3.65%	1.59%	1.14%	2.08%	1.26%	1.00%	3.86%	59.95%
Mar 2021	$638,372	7.26%	8.84%	6.29%	4.40%	4.87%	2.55%	2.87%	1.59%	1.54%	1.41%	1.34%	1.02%	3.06%	47.06%
Apr 2021	$703,317	4.60%	10.47%	6.30%	5.80%	4.10%	2.95%	2.27%	2.31%	2.07%	1.57%	1.23%	0.85%	3.58%	48.09%
May 2021	$1,241,915	6.93%	9.59%	6.10%	5.08%	3.41%	3.21%	2.52%	1.76%	1.60%	1.33%	1.25%	0.78%	3.96%	47.52%
Jun 2021	$1,373,515	4.41%	10.56%	5.84%	4.92%	2.91%	2.14%	2.20%	1.51%	1.48%	1.14%	0.96%	0.78%	3.37%	42.21%
Jul 2021	$1,387,107	3.74%	9.69%	5.61%	4.86%	3.41%	2.75%	2.56%	1.81%	2.05%	1.33%	1.29%	0.58%	4.14%	43.83%
Aug 2021	$1,320,437	4.55%	8.89%	5.68%	5.43%	3.71%	2.91%	2.83%	2.11%	1.99%	1.67%	1.26%	0.98%	5.55%	47.56%
Sep 2021	$1,065,171	4.56%	9.54%	7.76%	5.38%	4.15%	4.52%	3.67%	2.85%	2.10%	1.46%	1.15%	0.59%	3.66%	51.37%
Oct 2021	$1,185,382	6.08%	9.98%	6.75%	4.83%	4.27%	3.61%	3.47%	2.24%	1.70%	1.23%	0.99%	0.65%	3.56%	49.37%
Nov 2021	$1,112,977	5.67%	7.31%	5.47%	4.21%	4.47%	3.22%	2.45%	2.46%	1.74%	1.55%	1.34%	1.02%	4.66%	45.55%
Dec 2021	$890,998	4.46%	9.03%	5.68%	4.91%	3.66%	2.37%	2.49%	1.52%	1.70%	1.35%	1.05%	0.63%	4.03%	42.87%
Jan 2022	$921,967	7.61%	8.99%	7.14%	6.25%	3.78%	3.13%	3.38%	2.16%	1.80%	1.42%	0.93%	0.98%	3.82%	51.38%
Feb 2022	$1,193,781	4.47%	10.26%	5.77%	4.64%	3.33%	2.95%	2.60%	1.78%	1.62%	1.16%	1.22%	0.78%	2.31%	42.90%
Mar 2022	$1,246,293	4.89%	9.46%	5.55%	4.26%	3.02%	2.22%	1.72%	2.03%	1.47%	1.46%	1.24%	1.04%	3.05%	41.41%
Apr 2022	$1,083,223	3.42%	9.16%	4.77%	3.76%	2.81%	2.55%	2.39%	1.50%	1.41%	1.55%	0.95%	1.04%	3.32%	38.62%
May 2022	$981,392	3.28%	8.62%	5.26%	3.16%	2.17%	2.29%	1.76%	1.38%	1.26%	1.18%	1.20%	0.92%	1.87%	34.36%
Jun 2022	$743,787	5.04%	6.48%	4.21%	3.26%	3.02%	2.77%	1.89%	2.05%	1.59%	1.54%	1.17%	0.84%	2.80%	36.66%
Jul 2022	$1,115,392	4.03%	7.76%	6.31%	5.20%	2.84%	2.41%	1.98%	2.06%	2.18%	1.59%	1.23%	0.83%	2.84%	41.23%
Aug 2022	$912,027	3.91%	9.36%	6.11%	5.11%	4.26%	3.41%	2.81%	2.57%	1.94%	1.45%	1.62%	0.60%	2.45%	45.60%
Sep 2022	$937,149	5.10%	7.75%	5.71%	3.81%	3.55%	1.82%	2.35%	1.67%	1.50%	1.55%	1.15%	0.83%	3.55%	40.34%
Oct 2022	$949,854	4.14%	7.48%	6.62%	4.30%	3.77%	3.15%	3.36%	2.32%	1.69%	1.54%	1.28%	0.83%	2.87%	43.36%
Nov 2022	$861,528	5.34%	9.06%	5.65%	4.54%	3.80%	2.93%	2.45%	1.70%	1.29%	1.88%	0.95%	0.73%	3.09%	43.43%
Dec 2022	$672,149	2.98%	8.18%	6.19%	5.16%	4.68%	3.04%	3.14%	2.49%	1.98%	1.68%	1.22%	0.90%	2.74%	44.38%
Jan 2023	$839,342	4.63%	9.06%	7.95%	4.45%	3.85%	3.38%	2.94%	1.82%	2.24%	1.45%	1.15%	0.69%	3.03%	46.64%
Feb 2023	$689,432	4.17%	7.79%	6.40%	5.19%	4.06%	2.32%	2.03%	1.57%	1.73%	0.89%	0.92%	0.60%	2.60%	40.26%
Mar 2023	$715,872	5.50%	8.89%	7.51%	4.62%	4.60%	3.58%	2.55%	2.19%	1.31%	1.27%	1.00%	1.17%	2.66%	46.86%
Apr 2023	$540,467	4.29%	10.16%	5.29%	3.68%	3.17%	2.68%	1.85%	1.87%	1.66%	1.25%	1.09%	1.10%	5.30%	43.39%
May 2023	$523,938	3.78%	7.37%	4.23%	3.87%	4.50%	3.37%	3.03%	2.14%	2.01%	1.62%	1.42%	1.38%	4.22%	42.93%
Jun 2023	$533,556	4.97%	9.40%	6.05%	4.54%	3.92%	2.48%	2.51%	2.25%	1.73%	1.60%	1.36%	0.87%	3.30%	44.98%
Jul 2023	$491,227	2.28%	8.89%	4.57%	4.33%	3.57%	4.41%	3.30%	2.48%	2.19%	1.98%	1.44%	1.31%	4.07%	44.82%
Aug 2023	$532,078	3.05%	8.37%	6.16%	4.27%	4.12%	3.62%	3.27%	1.61%	1.83%	2.87%	1.63%	1.49%	4.26%	46.56%
Sep 2023	$546,456	4.41%	9.53%	4.78%	3.93%	3.56%	3.59%	2.36%	2.32%	1.16%	1.11%	1.12%	0.98%	3.60%	42.45%
Oct 2023	$521,691	2.24%	9.31%	7.99%	5.13%	6.55%	4.57%	3.11%	1.95%	1.42%	2.12%	0.95%	0.71%	2.59%	48.64%
Nov 2023	$469,175	2.41%	7.75%	4.02%	3.77%	2.67%	2.33%	2.73%	1.53%	2.04%	1.49%	1.50%	1.22%	4.13%	37.60%
Dec 2023	$301,825	2.20%	7.22%	6.02%	4.61%	4.63%	2.46%	2.94%	2.46%	2.12%	1.67%	1.93%	1.65%	4.08%	44.00%
Jan 2024	$447,312	0.87%	7.77%	4.82%	5.02%	4.37%	3.79%	3.78%	2.96%	3.21%	2.49%	2.72%	2.23%	7.94%	51.97%
Feb 2024	$451,945	0.35%	6.11%	5.03%	4.63%	3.84%	3.78%	3.15%	3.15%	3.37%	3.36%	2.22%	2.04%	5.92%	46.96%
Mar 2024	$557,325	0.31%	6.90%	5.61%	4.48%	4.72%	4.42%	3.81%	3.76%	2.99%	2.71%	2.73%	2.27%	6.74%	51.45%
Apr 2024	$525,559	1.02%	5.93%	4.70%	4.54%	3.65%	3.60%	3.48%	3.27%	2.81%	3.06%	2.36%	2.73%	6.73%	47.89%
May 2024	$573,675	1.33%	6.81%	6.00%	4.84%	4.41%	4.65%	3.47%	3.59%	3.52%	2.96%	3.03%	1.69%	5.03%	51.34%
Jun 2024	$555,709	0.16%	6.43%	5.45%	5.60%	5.21%	5.14%	4.47%	3.86%	4.02%	4.08%	3.58%	1.58%	3.63%	53.21%
Jul 2024	$554,533	0.48%	6.13%	5.30%	5.52%	4.90%	4.56%	4.99%	4.14%	3.55%	3.62%	4.06%	1.46%	5.27%	53.98%
Aug 2024	$574,796	0.31%	7.42%	5.86%	5.36%	4.46%	4.45%	3.60%	3.43%	2.62%	3.07%	2.69%	0.99%	3.08%	47.33%
Sep 2024	$508,385	0.18%	7.24%	6.00%	5.14%	4.87%	4.72%	4.70%	4.09%	4.25%	3.55%	3.76%	1.49%	4.39%	54.36%
Oct 2024	$563,751	0.16%	7.40%	5.29%	4.97%	4.46%	4.39%	3.94%	3.21%	3.29%	3.38%	2.63%	1.23%	3.37%	47.71%
Nov 2024	$529,900	1.23%	6.90%	5.82%	4.98%	5.04%	4.56%	4.01%	3.52%	2.97%	3.14%	2.87%	1.44%	4.53%	51.02%
Dec 2024	$501,116	0.23%	7.22%	5.42%	5.15%	4.20%	4.38%	3.57%	3.97%	3.73%	3.11%	2.96%	1.97%	3.76%	49.68%
Jan 2025	$528,069	0.56%	5.75%	7.08%	5.05%	4.29%	4.15%	4.17%	4.37%	3.06%	3.45%	3.05%	2.07%	5.51%	52.56%
Feb 2025	$595,634	0.22%	7.21%	5.58%	4.97%	4.18%	3.87%	3.46%	3.20%	3.09%	2.54%	2.88%	1.50%	3.68%	46.39%
Mar 2025	$595,260	0.76%	5.58%	3.96%	4.24%	4.30%	2.62%	2.88%	3.39%	2.28%	2.16%	2.01%	1.49%	3.49%	39.17%
Apr 2025	$580,535	0.71%	6.92%	5.56%	5.10%	3.62%	3.82%	3.39%	3.16%	2.79%	2.86%	2.54%	1.66%	4.05%	46.18%
May 2025	$529,080	0.15%	4.95%	5.03%	4.09%	3.94%	3.34%	2.81%	2.69%	3.03%	2.56%	2.43%	1.59%	2.87%	39.47%
Jun 2025	$485,822	0.47%	5.91%	4.41%	4.24%	4.35%	3.56%	3.51%	2.72%	2.86%	2.66%	2.83%	1.25%	2.87%	41.65%
Jul 2025	$423,281	0.59%	4.91%	4.14%	4.18%	3.47%	3.68%	3.23%	2.69%	2.42%	2.50%	2.53%	1.24%	2.36%	37.95%
Aug 2025	$502,667	1.09%	6.13%	4.34%	3.77%	3.23%	3.87%	2.99%	2.77%	2.66%	2.38%	2.29%	1.18%	1.52%	38.21%
Sep 2025	$412,983	0.11%	6.34%	4.45%	3.96%	3.91%	3.35%	3.61%	2.96%	2.43%	2.33%	2.45%	1.55%	0.19%	37.65%
Oct 2025	$418,918	0.75%	4.92%	4.82%	4.48%	3.91%	4.02%	3.46%	3.30%	3.27%	3.20%	2.50%	0.36%	0.00%	38.98%
Nov 2025	$480,766	0.22%	5.74%	4.50%	4.35%	3.23%	2.89%	2.69%	2.46%	2.60%	2.26%	0.88%	0.00%	0.00%	31.82%
Dec 2025	$397,009	0.00%	4.27%	4.43%	4.62%	4.19%	3.21%	2.83%	3.19%	2.11%	0.63%	0.00%	0.00%	0.00%	29.48%
Jan 2026	$388,969	0.09%	6.49%	5.44%	4.38%	4.53%	3.75%	4.11%	3.08%	0.61%	0.00%	0.00%	0.00%	0.00%	32.48%
Feb 2026	$284,980	0.16%	4.22%	4.20%	4.24%	2.87%	2.87%	2.20%	0.53%	0.00%	0.00%	0.00%	0.00%	0.00%	21.29%
Mar 2026	$347,803	0.83%	4.14%	3.27%	3.09%	2.43%	2.57%	0.24%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.57%
Apr 2026	$352,631	1.24%	3.46%	3.95%	3.48%	2.92%	0.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.77%
May 2026	$306,799	0.02%	4.69%	4.80%	3.94%	0.63%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.08%
Jun 2026	$272,907	2.47%	4.17%	4.21%	0.60%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.46%
Jul 2026	$329,892	1.14%	4.32%	1.51%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.96%
Aug 2026	$309,363	0.47%	0.73%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.20%
Sep 2026	$90,088	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$46,719,808	4.07%	9.04%	6.21%	4.94%	4.05%	3.34%	2.95%	2.39%	2.08%	1.85%	1.59%	1.09%	3.76%	47.36%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 76 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $963,055 (42% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $1,089,495 against an actual $1,316,191 — -17.2%, so the model runs slightly conservative. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$126,569 20.5%
Nov 2026	+2	$102,228 16.5%
Dec 2026	+3	$83,430 13.5%
Jan 2027	+4	$68,892 11.1%
Feb 2027	+5	$56,434 9.1%
Mar 2027	+6	$46,055 7.4%
Apr 2027	+7	$37,396 6.0%
May 2027	+8	$30,160 4.9%
Jun 2027	+9	$23,810 3.8%
Jul 2027	+10	$18,421 3.0%
Aug 2027	+11	$14,303 2.3%
Sep 2027	+12	$11,073 1.8%
NEXT 12 MONTHS		$618,769 3.8% of the $16,280,245 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$272,907	$29,627 10.9%	$52,702 19.3%	56	$-23,074
May 2026	3	$306,799	$41,268 13.5%	$74,415 24.3%	55	$-33,147
Apr 2026	4	$352,631	$53,070 15.0%	$99,822 28.3%	53	$-46,752
Mar 2026	5	$347,803	$56,803 16.3%	$110,066 31.6%	52	$-53,263
Feb 2026	6	$284,980	$59,157 20.8%	$98,601 34.6%	60	$-39,444
Jan 2026	7	$388,969	$123,979 31.9%	$143,862 37.0%	86	$-19,883
Dec 2025	8	$397,009	$114,537 28.9%	$155,088 39.1%	74	$-40,551
Nov 2025	9	$480,766	$148,727 30.9%	$196,697 40.9%	76	$-47,970
Oct 2025	10	$418,918	$161,782 38.6%	$178,067 42.5%	91	$-16,285
Sep 2025	11	$412,983	$154,681 37.5%	$180,044 43.6%	86	$-25,363
Aug 2025	12	$502,667	$190,497 37.9%	$223,866 44.5%	85	$-33,370
Jul 2025	13	$423,281	$158,976 37.6%	$190,840 45.1%	83	$-31,865
Jun 2025	14	$485,822	$201,677 41.5%	$221,057 45.5%	91	$-19,380
May 2025	15	$529,080	$208,533 39.4%	$242,423 45.8%	86	$-33,890
Apr 2025	16	$580,535	$267,937 46.2%	$267,305 46.0%	100	+$632
Mar 2025	17	$595,260	$232,307 39.0%	$275,207 46.2%	84	$-42,900
Feb 2025	18	$595,634	$276,119 46.4%	$276,244 46.4%	100	$-125
Jan 2025	19	$528,069	$277,421 52.5%	$245,571 46.5%	113	+$31,849
Dec 2024	20	$501,116	$248,972 49.7%	$233,564 46.6%	107	+$15,408
Nov 2024	21	$529,900	$270,251 51.0%	$247,375 46.7%	109	+$22,876
Oct 2024	22	$563,751	$268,883 47.7%	$263,614 46.8%	102	+$5,269
Sep 2024	23	$508,385	$276,069 54.3%	$238,109 46.8%	116	+$37,960
Aug 2024	24	$574,796	$271,993 47.3%	$269,536 46.9%	101	+$2,457
Jul 2024	25	$554,533	$299,015 53.9%	$260,301 46.9%	115	+$38,714
Jun 2024	26	$555,709	$295,712 53.2%	$261,027 47.0%	113	+$34,685
May 2024	27	$573,675	$294,521 51.3%	$269,739 47.0%	109	+$24,782
Apr 2024	28	$525,559	$251,364 47.8%	$247,302 47.1%	102	+$4,062
Mar 2024	29	$557,325	$286,742 51.4%	$262,412 47.1%	109	+$24,330
Feb 2024	30	$451,945	$212,242 47.0%	$212,862 47.1%	100	$-620
Jan 2024	31	$447,312	$232,490 52.0%	$210,754 47.1%	110	+$21,736

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
Apr 2022	$1,083,223	$418,331 38.6%	$23,124 5.5%	$395,207	$395,207	ok
Sep 2021	$1,065,171	$547,203 51.4%	$19,328 3.5%	$527,874	$527,874	ok
Sep 2022	$937,149	$378,087 40.3%	$18,829 5.0%	$359,257	$360,212	$-954
Aug 2021	$1,320,437	$628,053 47.6%	$18,385 2.9%	$609,667	$609,667	ok
Nov 2022	$861,528	$374,174 43.4%	$18,195 4.9%	$355,979	$355,979	ok
May 2022	$981,392	$337,170 34.4%	$17,735 5.3%	$319,435	$319,589	ok
Jul 2021	$1,387,107	$607,946 43.8%	$17,093 2.8%	$590,854	$591,304	$-450
Mar 2022	$1,246,293	$516,114 41.4%	$16,470 3.2%	$499,645	$499,645	ok
Jan 2022	$921,967	$473,680 51.4%	$16,091 3.4%	$457,588	$458,364	$-776
Feb 2022	$1,193,781	$512,103 42.9%	$15,676 3.1%	$496,427	$496,515	ok
Jun 2021	$1,373,515	$579,811 42.2%	$15,333 2.6%	$564,478	$564,478	ok
Dec 2021	$890,998	$382,004 42.9%	$12,629 3.3%	$369,375	$369,375	ok
May 2021	$1,241,915	$590,150 47.5%	$12,544 2.1%	$577,607	$577,607	ok
Oct 2021	$1,185,382	$585,169 49.4%	$12,319 2.1%	$572,850	$572,850	ok
Jul 2022	$1,115,392	$459,875 41.2%	$11,777 2.6%	$448,098	$448,098	ok
Aug 2022	$912,027	$415,874 45.6%	$11,277 2.7%	$404,597	$404,597	ok
Nov 2021	$1,112,977	$506,996 45.6%	$10,916 2.2%	$496,080	$496,080	ok
Mar 2023	$715,872	$335,440 46.9%	$10,468 3.1%	$324,972	$324,972	ok
Oct 2022	$949,854	$411,874 43.4%	$9,979 2.4%	$401,895	$402,559	$-664
Mar 2025	$595,260	$233,164 39.2%	$9,648 4.1%	$223,516	$224,874	$-1,358
Dec 2022	$672,149	$298,314 44.4%	$9,532 3.2%	$288,782	$288,782	ok
Oct 2020	$519,856	$347,732 66.9%	$8,603 2.5%	$339,129	$339,129	ok
Aug 2023	$532,078	$247,733 46.6%	$8,579 3.5%	$239,154	$239,154	ok
Mar 2021	$638,372	$300,406 47.1%	$7,838 2.6%	$292,569	$292,569	ok
ALL MONTHS	$50,699,933	$22,961,092 45.3%	$541,667 2.4%	$22,419,425

Dallas — 6,160 agreements, $13,108,660 of finance written

Finance written

$13,108,660

Collected

$5,183,050 39.5%

Written off

$1,315,722 10.0%

Still outstanding

$6,610,661 50.4%

Deposit taken

$2,951,667

Sale value

$16,060,327

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Jan 2023	96	$264,319	$49,360	$214,959	$85,597 39.8%	$83,544 38.9%	$45,821 21.3%	ok
Feb 2023	142	$396,109	$73,674	$322,435	$163,395 50.7%	$65,948 20.5%	$93,132 28.9%	ok
Mar 2023	155	$445,160	$73,716	$371,444	$165,882 44.7%	$95,780 25.8%	$109,806 29.6%	ok
Apr 2023	156	$416,249	$65,523	$350,726	$151,874 43.3%	$93,753 26.7%	$105,177 30.0%	$78
May 2023	146	$390,699	$71,682	$319,017	$171,240 53.7%	$47,519 14.9%	$100,296 31.4%	ok
Jun 2023	144	$326,600	$62,495	$264,105	$140,802 53.3%	$44,598 16.9%	$78,732 29.8%	ok
Jul 2023	127	$316,600	$58,452	$258,148	$137,083 53.1%	$48,164 18.7%	$72,933 28.3%	ok
Aug 2023	138	$319,700	$64,705	$254,995	$123,980 48.6%	$45,973 18.0%	$85,063 33.4%	ok
Sep 2023	151	$329,650	$72,653	$256,997	$140,895 54.8%	$50,205 19.5%	$65,919 25.6%	ok
Oct 2023	152	$319,700	$60,775	$258,925	$128,285 49.5%	$57,601 22.2%	$73,047 28.2%	ok
Nov 2023	154	$391,228	$71,511	$319,718	$171,698 53.7%	$33,457 10.5%	$114,555 35.8%	ok
Dec 2023	160	$413,027	$76,496	$336,531	$167,077 49.6%	$45,127 13.4%	$124,334 36.9%	ok
Jan 2024	139	$344,887	$63,045	$281,842	$132,294 46.9%	$38,012 13.5%	$111,545 39.6%	ok
Feb 2024	140	$339,735	$57,024	$282,711	$128,880 45.6%	$33,493 11.8%	$120,340 42.6%	ok
Mar 2024	173	$470,247	$84,836	$385,411	$174,340 45.2%	$34,425 8.9%	$176,695 45.8%	ok
Apr 2024	139	$383,400	$71,270	$312,130	$151,397 48.5%	$16,603 5.3%	$144,140 46.2%	ok
May 2024	121	$306,000	$61,545	$244,455	$128,987 52.8%	$16,177 6.6%	$99,331 40.6%	ok
Jun 2024	142	$323,210	$66,955	$256,255	$144,275 56.3%	$20,597 8.0%	$91,416 35.7%	ok
Jul 2024	160	$386,598	$74,910	$311,688	$175,521 56.3%	$28,516 9.1%	$107,680 34.5%	ok
Aug 2024	172	$418,700	$78,255	$340,445	$175,723 51.6%	$13,264 3.9%	$151,502 44.5%	ok
Sep 2024	133	$344,750	$62,515	$282,235	$145,524 51.6%	$27,023 9.6%	$109,725 38.9%	ok
Oct 2024	118	$315,050	$56,645	$258,405	$119,180 46.1%	$22,262 8.6%	$116,975 45.3%	ok
Nov 2024	115	$278,950	$50,355	$228,595	$101,980 44.6%	$13,561 5.9%	$113,063 49.5%	ok
Dec 2024	108	$261,000	$40,515	$220,485	$94,833 43.0%	$12,129 5.5%	$113,530 51.5%	ok
Jan 2025	120	$307,050	$59,375	$247,675	$135,856 54.9%	$19,753 8.0%	$92,084 37.2%	ok
Feb 2025	163	$457,098	$72,350	$384,748	$137,704 35.8%	$41,721 10.8%	$205,357 53.4%	ok
Mar 2025	180	$497,000	$91,230	$405,770	$153,072 37.7%	$30,158 7.4%	$222,574 54.9%	ok
Apr 2025	141	$362,250	$60,730	$301,520	$111,215 36.9%	$17,640 5.9%	$172,695 57.3%	ok
May 2025	115	$327,825	$49,838	$277,987	$91,574 32.9%	$15,275 5.5%	$171,142 61.6%	ok
Jun 2025	131	$359,800	$54,340	$305,460	$90,479 29.6%	$18,120 5.9%	$196,869 64.4%	ok
Jul 2025	150	$393,850	$64,673	$329,177	$116,127 35.3%	$19,325 5.9%	$193,755 58.9%	ok
Aug 2025	165	$434,800	$73,592	$361,208	$125,210 34.7%	$21,400 5.9%	$214,634 59.4%	ok
Sep 2025	170	$469,780	$76,479	$393,301	$149,100 37.9%	$6,665 1.7%	$237,563 60.4%	ok
Oct 2025 ·11mo	145	$363,439	$71,770	$291,669	$101,663 34.9%	$12,640 4.3%	$177,369 60.8%	ok
Nov 2025 ·10mo	135	$374,675	$67,420	$307,255	$92,171 30.0%	$8,067 2.6%	$207,015 67.4%	ok
Dec 2025 ·9mo	124	$338,700	$64,174	$274,526	$83,664 30.5%	$14,904 5.4%	$175,948 64.1%	ok
Jan 2026 ·8mo	124	$345,150	$63,440	$281,710	$89,675 31.8%	$10,350 3.7%	$181,685 64.5%	ok
Feb 2026 ·7mo	134	$397,900	$76,586	$321,314	$80,531 25.1%	$7,045 2.2%	$233,738 72.7%	ok
Mar 2026 ·6mo	146	$417,127	$69,086	$348,041	$69,277 19.9%	$7,500 2.2%	$271,259 77.9%	ok
Apr 2026 ·5mo	109	$297,100	$68,683	$228,417	$44,871 19.6%	$7,854 3.4%	$175,692 76.9%	ok
May 2026 ·4mo	125	$351,390	$77,057	$274,333	$40,263 14.7%	$16,675 6.1%	$217,395 79.2%	ok
Jun 2026 ·3mo	130	$346,150	$75,171	$270,979	$30,251 11.2%	$17,750 6.6%	$222,978 82.3%	ok
Jul 2026 ·2mo	114	$312,075	$65,524	$246,552	$15,565 6.3%	$29,150 11.8%	$201,830 81.9%	ok
Aug 2026 ·1mo	108	$268,950	$52,733	$216,217	$4,040 1.9%	$6,000 2.8%	$206,177 95.4%	ok
Sep 2026 ·0mo	50	$136,650	$28,505	$108,145	$0 0.0%	$0 0.0%	$108,145 100.0%	ok
TOTAL	6160	$16,060,327	$2,951,667	$13,108,660	$5,183,050 39.5%	$1,315,722 10.0%	$6,610,661 50.4%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 6,150 of 6,160 agreements' finance schedules (10 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jan 2023	$214,959	1.80%	7.33%	6.12%	6.85%	3.19%	2.69%	2.49%	1.65%	1.48%	1.07%	0.96%	1.66%	3.16%	40.46%
Feb 2023	$322,435	4.18%	10.14%	5.72%	4.65%	3.99%	3.89%	3.30%	3.39%	2.18%	2.55%	1.92%	1.88%	3.79%	51.59%
Mar 2023	$371,444	2.99%	6.81%	5.10%	4.10%	3.20%	2.98%	3.75%	2.76%	1.85%	2.09%	2.52%	1.84%	5.66%	45.64%
Apr 2023	$350,726	4.54%	7.78%	3.90%	3.94%	3.00%	2.66%	2.32%	1.96%	1.77%	2.36%	2.90%	2.80%	4.04%	43.97%
May 2023	$319,017	5.22%	8.25%	5.64%	5.86%	4.19%	3.32%	3.05%	2.78%	2.81%	1.95%	2.03%	2.07%	6.93%	54.11%
Jun 2023	$264,105	4.13%	5.12%	6.77%	5.12%	3.96%	3.95%	3.88%	3.68%	3.46%	3.20%	3.03%	2.48%	5.42%	54.22%
Jul 2023	$258,148	5.42%	6.89%	5.79%	5.74%	5.52%	3.56%	3.32%	2.50%	3.53%	2.36%	2.63%	1.76%	4.56%	53.58%
Aug 2023	$254,995	5.25%	6.11%	4.59%	5.07%	4.33%	3.46%	4.44%	3.18%	3.77%	2.74%	1.45%	1.32%	4.00%	49.71%
Sep 2023	$256,997	5.26%	10.94%	9.65%	4.78%	4.37%	4.16%	3.08%	2.90%	2.25%	1.56%	2.01%	1.50%	3.91%	56.36%
Oct 2023	$258,925	3.37%	9.52%	5.13%	5.66%	5.29%	4.12%	3.45%	3.00%	2.10%	1.60%	1.55%	1.65%	3.98%	50.41%
Nov 2023	$319,718	2.14%	7.19%	5.79%	4.95%	5.83%	4.37%	3.96%	3.82%	3.65%	3.79%	2.93%	1.53%	4.87%	54.81%
Dec 2023	$336,531	0.07%	6.97%	5.69%	5.22%	4.26%	4.17%	3.79%	3.08%	3.00%	3.16%	2.44%	2.12%	6.10%	50.10%
Jan 2024	$281,842	1.67%	6.86%	5.37%	4.76%	3.75%	3.50%	2.98%	3.10%	3.34%	2.80%	2.50%	2.19%	4.53%	47.36%
Feb 2024	$282,711	0.84%	6.25%	5.43%	4.71%	4.60%	3.54%	3.68%	2.94%	2.75%	2.43%	2.88%	1.95%	4.26%	46.27%
Mar 2024	$385,411	0.19%	6.70%	5.09%	4.09%	4.11%	3.79%	3.05%	3.35%	2.73%	2.51%	2.88%	1.99%	4.99%	45.47%
Apr 2024	$312,130	0.86%	6.76%	5.29%	4.95%	3.86%	3.48%	3.75%	3.17%	2.96%	2.80%	2.35%	2.00%	6.38%	48.60%
May 2024	$244,455	0.86%	8.27%	6.10%	5.09%	5.05%	5.12%	4.99%	2.93%	2.95%	3.06%	3.96%	1.47%	3.16%	53.00%
Jun 2024	$256,255	0.00%	8.58%	6.34%	5.85%	5.32%	5.63%	4.57%	4.78%	4.04%	3.06%	2.56%	1.76%	4.20%	56.68%
Jul 2024	$311,688	0.85%	8.41%	5.94%	5.80%	4.81%	4.63%	4.90%	4.11%	3.91%	2.91%	2.82%	1.96%	5.32%	56.37%
Aug 2024	$340,445	1.47%	6.35%	5.77%	5.10%	4.91%	4.53%	3.57%	3.88%	3.17%	3.14%	2.80%	1.63%	5.40%	51.71%
Sep 2024	$282,235	1.87%	6.29%	5.92%	4.90%	5.09%	4.11%	4.60%	3.37%	2.97%	3.43%	2.46%	1.76%	5.37%	52.14%
Oct 2024	$258,405	0.00%	7.05%	5.03%	5.59%	4.00%	5.02%	3.30%	3.56%	2.70%	2.63%	1.95%	1.12%	4.24%	46.19%
Nov 2024	$228,595	1.11%	7.34%	5.47%	5.02%	4.10%	3.59%	3.28%	2.12%	2.98%	2.43%	1.94%	1.27%	4.03%	44.69%
Dec 2024	$220,485	1.64%	5.72%	4.88%	4.77%	4.14%	3.42%	3.85%	3.14%	2.97%	2.50%	2.05%	1.25%	3.24%	43.57%
Jan 2025	$247,675	1.43%	6.09%	5.92%	5.34%	5.38%	3.69%	4.28%	4.25%	3.75%	4.28%	3.31%	2.32%	4.43%	54.48%
Feb 2025	$384,748	1.21%	5.19%	4.43%	3.37%	3.85%	2.57%	3.15%	2.37%	2.28%	1.74%	1.44%	1.30%	3.12%	36.03%
Mar 2025	$405,770	0.75%	4.68%	4.30%	3.83%	3.98%	2.63%	2.52%	2.78%	2.39%	1.99%	1.86%	1.61%	4.77%	38.10%
Apr 2025	$301,520	1.03%	5.14%	4.03%	3.36%	3.63%	2.84%	2.72%	3.83%	2.47%	2.36%	1.96%	1.56%	2.21%	37.14%
May 2025	$277,987	0.83%	5.32%	3.30%	3.63%	2.82%	3.60%	2.24%	2.14%	1.95%	1.89%	1.81%	1.24%	2.87%	33.62%
Jun 2025	$305,460	0.00%	4.20%	3.86%	3.63%	2.82%	2.10%	1.93%	2.27%	1.70%	1.62%	1.78%	1.45%	2.59%	29.94%
Jul 2025	$329,177	1.00%	4.47%	3.64%	3.58%	2.84%	2.56%	3.09%	2.97%	2.43%	2.47%	1.78%	1.84%	2.58%	35.27%
Aug 2025	$361,208	0.76%	5.23%	4.28%	2.86%	2.93%	3.08%	2.56%	3.48%	2.39%	2.33%	2.28%	1.62%	1.56%	35.35%
Sep 2025	$393,301	0.59%	5.21%	4.48%	3.92%	3.46%	3.68%	3.09%	3.31%	3.05%	2.78%	2.38%	1.82%	0.28%	38.07%
Oct 2025	$291,669	0.21%	5.25%	5.06%	3.35%	3.79%	3.55%	3.14%	2.82%	2.52%	2.73%	1.82%	0.47%	0.00%	34.71%
Nov 2025	$307,255	2.05%	5.27%	4.11%	3.69%	2.84%	2.61%	2.89%	1.99%	2.20%	1.36%	0.97%	0.00%	0.00%	29.99%
Dec 2025	$274,526	0.23%	5.18%	5.89%	4.12%	3.93%	3.56%	2.90%	2.56%	1.90%	0.66%	0.00%	0.00%	0.00%	30.92%
Jan 2026	$281,710	2.54%	5.81%	4.81%	3.87%	4.30%	3.61%	3.97%	2.46%	0.96%	0.00%	0.00%	0.00%	0.00%	32.32%
Feb 2026	$321,314	0.38%	5.62%	4.65%	4.01%	3.62%	3.85%	3.03%	0.48%	0.00%	0.00%	0.00%	0.00%	0.00%	25.63%
Mar 2026	$348,041	0.32%	4.22%	4.55%	4.13%	3.90%	2.50%	0.76%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.38%
Apr 2026	$228,417	1.25%	5.19%	4.42%	4.01%	3.84%	1.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	19.73%
May 2026	$274,333	0.33%	5.07%	4.67%	4.00%	0.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	14.39%
Jun 2026	$270,979	0.27%	5.31%	4.14%	1.10%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.83%
Jul 2026	$246,552	0.46%	4.52%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.71%
Aug 2026	$216,217	0.23%	0.53%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.76%
Sep 2026	$82,195	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$9,939,503	1.86%	6.68%	5.22%	4.64%	4.09%	3.61%	3.38%	3.11%	2.75%	2.53%	2.31%	1.76%	4.12%	46.06%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 33 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $778,604 (53% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $775,069 against an actual $679,262 — +14.1%. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$108,775 18.8%
Nov 2026	+2	$92,781 16.0%
Dec 2026	+3	$79,290 13.7%
Jan 2027	+4	$67,238 11.6%
Feb 2027	+5	$56,500 9.8%
Mar 2027	+6	$46,779 8.1%
Apr 2027	+7	$37,677 6.5%
May 2027	+8	$30,029 5.2%
Jun 2027	+9	$23,107 4.0%
Jul 2027	+10	$16,848 2.9%
Aug 2027	+11	$11,944 2.1%
Sep 2027	+12	$8,084 1.4%
NEXT 12 MONTHS		$579,050 8.8% of the $6,610,661 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$270,979	$26,358 9.7%	$37,296 13.8%	71	$-10,938
May 2026	3	$274,333	$38,599 14.1%	$50,473 18.4%	76	$-11,875
Apr 2026	4	$228,417	$42,733 18.7%	$51,373 22.5%	83	$-8,641
Mar 2026	5	$348,041	$68,270 19.6%	$90,828 26.1%	75	$-22,558
Feb 2026	6	$321,314	$80,827 25.2%	$94,719 29.5%	85	$-13,892
Jan 2026	7	$281,710	$88,367 31.4%	$91,804 32.6%	96	$-3,437
Dec 2025	8	$274,526	$83,071 30.3%	$97,025 35.3%	86	$-13,953
Nov 2025	9	$307,255	$89,145 29.0%	$116,358 37.9%	77	$-27,213
Oct 2025	10	$291,669	$99,861 34.2%	$117,199 40.2%	85	$-17,337
Sep 2025	11	$393,301	$148,623 37.8%	$164,970 41.9%	90	$-16,347
Aug 2025	12	$361,208	$126,965 35.2%	$156,820 43.4%	81	$-29,854
Jul 2025	13	$329,177	$115,359 35.0%	$145,211 44.1%	79	$-29,853
Jun 2025	14	$305,460	$90,829 29.7%	$136,163 44.6%	67	$-45,334
May 2025	15	$277,987	$93,390 33.6%	$125,059 45.0%	75	$-31,669
Apr 2025	16	$301,520	$111,990 37.1%	$136,376 45.2%	82	$-24,386
Mar 2025	17	$405,770	$154,590 38.1%	$184,455 45.5%	84	$-29,864
Feb 2025	18	$384,748	$138,050 35.9%	$175,289 45.6%	79	$-37,239
Jan 2025	19	$247,675	$134,935 54.5%	$113,112 45.7%	119	+$21,823
Dec 2024	20	$220,485	$96,037 43.6%	$100,880 45.8%	95	$-4,843
Nov 2024	21	$228,595	$102,153 44.7%	$104,730 45.8%	98	$-2,577
Oct 2024	22	$258,405	$119,248 46.1%	$118,491 45.9%	101	+$757
Sep 2024	23	$282,235	$147,068 52.1%	$129,540 45.9%	114	+$17,528
Aug 2024	24	$340,445	$176,045 51.7%	$156,410 45.9%	113	+$19,636
Jul 2024	25	$311,688	$175,686 56.4%	$143,399 46.0%	123	+$32,287
Jun 2024	26	$256,255	$145,224 56.7%	$117,927 46.0%	123	+$27,297
May 2024	27	$244,455	$129,557 53.0%	$112,534 46.0%	115	+$17,023
Apr 2024	28	$312,130	$151,696 48.6%	$143,696 46.0%	106	+$8,000
Mar 2024	29	$385,411	$175,252 45.5%	$177,437 46.0%	99	$-2,185
Feb 2024	30	$282,711	$130,798 46.3%	$130,167 46.0%	100	+$631
Jan 2024	31	$281,842	$133,480 47.4%	$129,769 46.0%	103	+$3,711

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
Mar 2026	$348,041	$70,928 20.4%	$4,654 6.6%	$66,273	$69,277	$-3,004
Sep 2023	$256,997	$144,855 56.4%	$3,961 2.7%	$140,895	$140,895	ok
Feb 2026	$321,314	$82,368 25.6%	$3,793 4.6%	$78,574	$80,531	$-1,956
Mar 2023	$371,444	$169,536 45.6%	$3,654 2.2%	$165,882	$165,882	ok
Nov 2023	$319,718	$175,226 54.8%	$3,619 2.1%	$171,607	$171,698	$-91
Aug 2023	$254,995	$126,764 49.7%	$3,069 2.4%	$123,695	$123,980	$-285
Feb 2023	$322,435	$166,328 51.6%	$2,933 1.8%	$163,395	$163,395	ok
Jan 2026	$281,710	$91,057 32.3%	$2,817 3.1%	$88,240	$89,675	$-1,435
Dec 2025	$274,526	$84,893 30.9%	$2,701 3.2%	$82,192	$83,664	$-1,472
Feb 2025	$384,748	$138,635 36.0%	$2,605 1.9%	$136,030	$137,704	$-1,674
Aug 2025	$361,208	$127,690 35.4%	$2,605 2.0%	$125,085	$125,210	$-125
Oct 2024	$258,405	$119,348 46.2%	$2,579 2.2%	$116,769	$119,180	$-2,411
Mar 2025	$405,770	$154,590 38.1%	$2,455 1.6%	$152,136	$153,072	$-936
Jun 2023	$264,105	$143,185 54.2%	$2,383 1.7%	$140,802	$140,802	ok
Apr 2023	$350,726	$154,215 44.0%	$2,341 1.5%	$151,874	$151,874	ok
Oct 2023	$258,925	$130,532 50.4%	$2,247 1.7%	$128,285	$128,285	ok
Sep 2025	$393,301	$149,722 38.1%	$2,219 1.5%	$147,503	$149,100	$-1,597
Sep 2024	$282,235	$147,147 52.1%	$2,127 1.4%	$145,019	$145,524	$-504
Feb 2024	$282,711	$130,798 46.3%	$2,068 1.6%	$128,730	$128,880	$-150
May 2025	$277,987	$93,465 33.6%	$1,941 2.1%	$91,524	$91,574	ok
Mar 2024	$385,411	$175,252 45.5%	$1,905 1.1%	$173,347	$174,340	$-993
Dec 2023	$336,531	$168,587 50.1%	$1,854 1.1%	$166,732	$167,077	$-345
Jul 2024	$311,688	$175,686 56.4%	$1,759 1.0%	$173,927	$175,521	$-1,594
Dec 2024	$220,485	$96,067 43.6%	$1,680 1.7%	$94,387	$94,833	$-446
ALL MONTHS	$13,082,710	$5,230,415 40.0%	$83,040 1.6%	$5,147,375

Houston — 5,527 agreements, $11,652,847 of finance written

Finance written

$11,652,847

Collected

$4,419,616 37.9%

Written off

$1,120,367 9.6%

Still outstanding

$6,113,324 52.5%

Deposit taken

$2,840,026

Sale value

$14,492,873

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Feb 2023	27	$80,720	$15,260	$65,460	$35,662 54.5%	$16,978 25.9%	$12,815 19.6%	ok
Mar 2023	160	$458,549	$78,608	$379,941	$158,191 41.6%	$126,316 33.2%	$95,501 25.1%	ok
Apr 2023	165	$521,050	$89,620	$431,430	$193,906 44.9%	$115,315 26.7%	$122,227 28.3%	ok
May 2023	138	$401,470	$70,197	$331,273	$162,215 49.0%	$62,375 18.8%	$106,739 32.2%	ok
Jun 2023	132	$391,100	$76,271	$314,829	$161,269 51.2%	$57,975 18.4%	$95,645 30.4%	ok
Jul 2023	121	$300,250	$50,615	$249,635	$123,653 49.5%	$64,348 25.8%	$61,665 24.7%	ok
Aug 2023	96	$266,410	$46,589	$219,821	$106,299 48.4%	$39,758 18.1%	$73,783 33.6%	ok
Sep 2023	102	$285,750	$55,622	$230,128	$106,186 46.1%	$56,479 24.5%	$67,476 29.3%	ok
Oct 2023	107	$267,300	$52,160	$215,140	$88,737 41.2%	$62,867 29.2%	$63,538 29.5%	ok
Nov 2023	95	$252,900	$59,820	$193,080	$92,832 48.1%	$15,287 7.9%	$84,963 44.0%	ok
Dec 2023	120	$266,175	$59,460	$206,715	$96,188 46.5%	$22,054 10.7%	$88,484 42.8%	ok
Jan 2024	144	$304,799	$69,595	$235,204	$129,632 55.1%	$15,552 6.6%	$90,078 38.3%	$58
Feb 2024	146	$354,200	$79,439	$274,761	$153,414 55.8%	$21,193 7.7%	$100,176 36.5%	ok
Mar 2024	134	$343,550	$87,755	$255,795	$129,469 50.6%	$20,393 8.0%	$105,952 41.4%	ok
Apr 2024	122	$280,065	$69,132	$210,933	$103,442 49.0%	$11,888 5.6%	$95,605 45.3%	ok
May 2024	125	$341,650	$86,839	$254,811	$120,968 47.5%	$21,436 8.4%	$112,430 44.1%	ok
Jun 2024	104	$256,065	$59,237	$196,828	$110,801 56.3%	$12,830 6.5%	$73,206 37.2%	ok
Jul 2024	98	$240,995	$57,189	$183,806	$88,490 48.1%	$17,545 9.5%	$77,771 42.3%	ok
Aug 2024	155	$340,075	$79,445	$260,630	$118,353 45.4%	$21,120 8.1%	$121,162 46.5%	ok
Sep 2024	124	$264,975	$63,555	$201,420	$97,865 48.6%	$5,695 2.8%	$97,855 48.6%	ok
Oct 2024	126	$295,950	$64,735	$231,215	$103,997 45.0%	$10,844 4.7%	$116,374 50.3%	ok
Nov 2024	108	$261,100	$58,550	$202,550	$97,049 47.9%	$23,568 11.6%	$81,934 40.5%	ok
Dec 2024	128	$319,250	$64,005	$255,245	$107,030 41.9%	$15,180 5.9%	$133,036 52.1%	ok
Jan 2025	118	$313,200	$62,836	$250,364	$121,994 48.7%	$10,280 4.1%	$118,090 47.2%	ok
Feb 2025	137	$368,850	$80,005	$288,845	$138,176 47.8%	$17,530 6.1%	$133,144 46.1%	ok
Mar 2025	140	$341,800	$70,430	$271,370	$108,404 39.9%	$17,230 6.3%	$145,745 53.7%	ok
Apr 2025	141	$375,750	$77,310	$298,440	$108,261 36.3%	$16,800 5.6%	$173,383 58.1%	ok
May 2025	154	$391,400	$86,205	$305,195	$116,148 38.1%	$11,260 3.7%	$177,798 58.3%	ok
Jun 2025	151	$418,550	$84,186	$334,364	$120,521 36.0%	$22,027 6.6%	$191,833 57.4%	ok
Jul 2025	132	$350,650	$71,139	$279,511	$114,241 40.9%	$17,661 6.3%	$147,607 52.8%	ok
Aug 2025	153	$381,650	$74,240	$307,410	$125,390 40.8%	$11,520 3.7%	$170,509 55.5%	ok
Sep 2025	129	$299,850	$60,330	$239,520	$100,481 42.0%	$12,475 5.2%	$126,564 52.8%	ok
Oct 2025 ·11mo	124	$326,650	$71,815	$254,835	$89,823 35.2%	$1,950 0.8%	$163,062 64.0%	ok
Nov 2025 ·10mo	112	$280,850	$54,910	$225,940	$93,747 41.5%	$4,560 2.0%	$127,633 56.5%	ok
Dec 2025 ·9mo	132	$331,450	$50,920	$280,530	$85,507 30.5%	$6,550 2.3%	$188,473 67.2%	ok
Jan 2026 ·8mo	100	$309,200	$48,755	$260,445	$78,569 30.2%	$12,867 4.9%	$169,008 64.9%	ok
Feb 2026 ·7mo	135	$350,975	$55,145	$295,830	$73,667 24.9%	$12,650 4.3%	$209,513 70.8%	ok
Mar 2026 ·6mo	158	$465,850	$68,630	$397,220	$93,389 23.5%	$25,788 6.5%	$278,044 70.0%	ok
Apr 2026 ·5mo	124	$334,450	$52,845	$281,605	$47,286 16.8%	$12,250 4.4%	$222,069 78.9%	ok
May 2026 ·4mo	147	$425,650	$69,257	$356,393	$50,316 14.1%	$13,650 3.8%	$292,427 82.1%	ok
Jun 2026 ·3mo	128	$363,250	$58,510	$304,740	$40,047 13.1%	$10,700 3.5%	$253,993 83.3%	ok
Jul 2026 ·2mo	139	$395,800	$57,845	$337,955	$21,238 6.3%	$20,375 6.0%	$296,342 87.7%	ok
Aug 2026 ·1mo	134	$391,850	$62,590	$329,260	$6,563 2.0%	$21,450 6.5%	$301,247 91.5%	ok
Sep 2026 ·0mo	62	$180,850	$28,425	$152,425	$200 0.1%	$3,800 2.5%	$148,425 97.4%	ok
TOTAL	5527	$14,492,873	$2,840,026	$11,652,847	$4,419,616 37.9%	$1,120,367 9.6%	$6,113,324 52.5%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 5,516 of 5,527 agreements' finance schedules (11 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Feb 2023	$65,460	0.46%	14.93%	7.88%	5.02%	5.39%	4.25%	3.52%	5.06%	1.92%	1.24%	1.93%	1.32%	1.56%	54.48%
Mar 2023	$379,941	2.99%	9.03%	7.28%	3.96%	2.74%	2.37%	2.57%	2.22%	1.54%	1.24%	1.29%	1.16%	3.72%	42.12%
Apr 2023	$431,430	2.18%	12.90%	6.71%	3.57%	3.59%	3.59%	1.93%	2.03%	1.09%	1.01%	1.47%	1.17%	4.05%	45.29%
May 2023	$331,273	4.74%	8.52%	5.68%	6.09%	3.89%	3.27%	3.47%	2.56%	2.19%	1.92%	1.95%	1.59%	4.34%	50.20%
Jun 2023	$314,829	3.25%	11.56%	6.13%	4.59%	5.04%	3.72%	3.01%	2.44%	2.17%	2.33%	1.69%	2.36%	3.55%	51.87%
Jul 2023	$249,635	3.98%	10.99%	6.34%	4.11%	5.00%	3.25%	3.30%	2.57%	2.07%	2.07%	2.22%	1.38%	2.97%	50.24%
Aug 2023	$219,821	3.39%	9.96%	4.70%	4.59%	4.88%	3.02%	3.91%	3.48%	2.59%	2.12%	1.53%	1.34%	3.27%	48.81%
Sep 2023	$230,128	1.53%	11.37%	5.64%	4.99%	2.94%	3.29%	2.85%	2.08%	1.88%	2.67%	1.43%	1.12%	4.61%	46.39%
Oct 2023	$215,140	4.37%	9.06%	5.23%	4.58%	3.02%	3.35%	1.93%	2.03%	1.86%	1.40%	1.35%	1.25%	2.52%	41.94%
Nov 2023	$193,080	0.29%	5.06%	5.15%	4.85%	5.79%	3.57%	3.19%	3.29%	3.27%	2.89%	2.49%	2.66%	5.88%	48.38%
Dec 2023	$206,715	1.40%	7.47%	4.47%	4.61%	4.63%	3.69%	3.87%	2.88%	3.10%	2.37%	2.14%	2.21%	4.61%	47.45%
Jan 2024	$235,204	0.47%	5.88%	5.98%	5.39%	5.17%	3.86%	4.00%	3.47%	4.27%	2.94%	3.03%	2.34%	8.90%	55.68%
Feb 2024	$274,761	0.81%	5.73%	6.92%	4.90%	4.41%	4.87%	4.19%	3.64%	3.95%	3.86%	2.73%	3.05%	7.55%	56.61%
Mar 2024	$255,795	1.92%	6.30%	6.93%	5.48%	4.29%	4.51%	3.65%	3.49%	3.87%	2.75%	2.35%	1.54%	3.61%	50.69%
Apr 2024	$210,933	0.87%	8.75%	6.07%	3.63%	5.14%	4.26%	4.53%	3.16%	3.02%	2.19%	2.03%	1.74%	3.84%	49.23%
May 2024	$254,811	0.81%	7.27%	6.74%	4.33%	4.98%	3.77%	4.22%	3.34%	3.07%	2.82%	2.03%	1.30%	3.15%	47.81%
Jun 2024	$196,828	0.38%	9.24%	7.59%	5.06%	5.94%	4.62%	3.72%	3.56%	3.50%	3.73%	3.38%	1.21%	4.17%	56.10%
Jul 2024	$183,806	0.03%	7.34%	5.29%	4.73%	5.00%	4.48%	3.40%	4.10%	3.60%	2.49%	2.00%	0.95%	4.45%	47.86%
Aug 2024	$260,630	0.08%	6.07%	5.17%	4.94%	5.04%	3.31%	3.08%	2.85%	3.63%	3.39%	2.47%	1.21%	4.80%	46.03%
Sep 2024	$201,420	0.20%	6.42%	5.75%	4.60%	4.48%	4.70%	4.68%	4.01%	3.22%	2.93%	2.86%	1.41%	3.40%	48.66%
Oct 2024	$231,215	2.60%	6.47%	4.63%	4.66%	4.17%	3.85%	3.17%	3.68%	2.90%	2.82%	2.19%	1.32%	3.34%	45.81%
Nov 2024	$202,550	0.84%	5.87%	7.52%	4.95%	4.76%	3.82%	3.34%	2.76%	3.58%	2.89%	2.50%	1.41%	3.85%	48.09%
Dec 2024	$255,245	0.36%	4.77%	6.24%	5.16%	4.16%	3.58%	3.05%	2.80%	2.78%	2.29%	2.72%	0.97%	3.06%	41.94%
Jan 2025	$250,364	0.19%	6.93%	6.81%	6.45%	4.37%	3.80%	3.30%	4.90%	3.25%	3.14%	2.74%	0.63%	2.53%	49.02%
Feb 2025	$288,845	0.07%	7.75%	7.58%	6.02%	4.47%	4.06%	3.39%	3.18%	3.21%	3.30%	2.60%	1.39%	1.60%	48.62%
Mar 2025	$271,370	0.46%	6.98%	4.82%	3.30%	3.59%	3.42%	3.25%	2.71%	2.23%	2.30%	2.18%	1.10%	4.00%	40.34%
Apr 2025	$298,440	0.92%	6.34%	4.61%	3.54%	2.92%	2.73%	3.03%	2.50%	2.68%	1.95%	2.07%	0.55%	3.39%	37.24%
May 2025	$305,195	1.26%	6.07%	5.34%	3.09%	3.68%	2.67%	3.00%	2.21%	2.13%	1.88%	2.13%	1.09%	3.86%	38.42%
Jun 2025	$334,364	0.40%	5.64%	6.35%	3.57%	3.40%	2.78%	3.32%	2.69%	3.06%	2.27%	2.28%	0.65%	1.41%	37.81%
Jul 2025	$279,511	0.21%	6.69%	4.85%	4.62%	3.49%	3.40%	2.83%	3.64%	3.16%	2.98%	2.84%	1.25%	2.59%	42.53%
Aug 2025	$307,410	1.09%	6.09%	5.15%	3.57%	4.00%	3.13%	2.92%	3.35%	4.03%	2.37%	2.07%	2.11%	1.09%	40.96%
Sep 2025	$239,520	0.35%	6.02%	5.50%	4.67%	3.92%	4.23%	3.91%	3.31%	3.84%	3.15%	2.20%	1.28%	0.07%	42.45%
Oct 2025	$254,835	2.28%	5.38%	5.25%	4.00%	3.75%	3.26%	3.33%	2.39%	2.15%	1.73%	1.81%	0.26%	0.00%	35.60%
Nov 2025	$225,940	0.44%	6.04%	5.39%	4.96%	5.21%	4.12%	3.57%	4.88%	2.95%	3.19%	0.91%	0.00%	0.00%	41.67%
Dec 2025	$280,530	1.37%	4.86%	4.65%	4.81%	3.59%	3.18%	2.70%	2.60%	2.23%	0.50%	0.00%	0.00%	0.00%	30.47%
Jan 2026	$260,445	0.51%	3.94%	5.49%	4.94%	3.41%	3.43%	3.39%	3.17%	1.64%	0.00%	0.00%	0.00%	0.00%	29.93%
Feb 2026	$295,830	0.69%	4.87%	4.62%	5.26%	3.49%	3.02%	2.38%	0.64%	0.00%	0.00%	0.00%	0.00%	0.00%	24.98%
Mar 2026	$397,220	0.85%	5.75%	5.56%	4.24%	3.41%	2.99%	1.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	23.86%
Apr 2026	$281,605	0.50%	3.72%	4.96%	3.28%	3.00%	0.44%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.90%
May 2026	$356,393	0.37%	4.64%	4.64%	3.13%	1.20%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.97%
Jun 2026	$304,740	1.18%	6.30%	4.47%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.69%
Jul 2026	$337,955	0.55%	4.39%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.68%
Aug 2026	$329,260	0.65%	0.58%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.24%
Sep 2026	$126,850	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$8,175,669	1.44%	7.75%	5.97%	4.55%	4.20%	3.59%	3.29%	3.01%	2.84%	2.45%	2.18%	1.42%	3.61%	46.29%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 32 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $748,319 (54% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $672,460 against an actual $648,807 — +3.6%. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$125,476 18.9%
Nov 2026	+2	$105,300 15.9%
Dec 2026	+3	$89,993 13.6%
Jan 2027	+4	$76,835 11.6%
Feb 2027	+5	$64,643 9.8%
Mar 2027	+6	$54,300 8.2%
Apr 2027	+7	$43,873 6.6%
May 2027	+8	$34,772 5.2%
Jun 2027	+9	$26,266 4.0%
Jul 2027	+10	$18,946 2.9%
Aug 2027	+11	$13,331 2.0%
Sep 2027	+12	$9,145 1.4%
NEXT 12 MONTHS		$662,879 10.8% of the $6,113,324 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$304,740	$36,427 12.0%	$46,172 15.2%	79	$-9,745
May 2026	3	$356,393	$45,530 12.8%	$70,215 19.7%	65	$-24,685
Apr 2026	4	$281,605	$43,538 15.5%	$67,311 23.9%	65	$-23,773
Mar 2026	5	$397,220	$90,560 22.8%	$109,187 27.5%	83	$-18,627
Feb 2026	6	$295,830	$72,004 24.3%	$91,049 30.8%	79	$-19,046
Jan 2026	7	$260,445	$73,685 28.3%	$87,999 33.8%	84	$-14,314
Dec 2025	8	$280,530	$84,071 30.0%	$102,742 36.6%	82	$-18,671
Nov 2025	9	$225,940	$92,079 40.8%	$88,281 39.1%	104	+$3,798
Oct 2025	10	$254,835	$90,053 35.3%	$105,134 41.3%	86	$-15,081
Sep 2025	11	$239,520	$101,513 42.4%	$102,228 42.7%	99	$-714
Aug 2025	12	$307,410	$125,185 40.7%	$134,970 43.9%	93	$-9,785
Jul 2025	13	$279,511	$118,873 42.5%	$124,469 44.5%	96	$-5,596
Jun 2025	14	$334,364	$125,814 37.6%	$150,247 44.9%	84	$-24,433
May 2025	15	$305,195	$117,253 38.4%	$138,111 45.3%	85	$-20,857
Apr 2025	16	$298,440	$110,927 37.2%	$135,826 45.5%	82	$-24,899
Mar 2025	17	$271,370	$109,342 40.3%	$123,939 45.7%	88	$-14,597
Feb 2025	18	$288,845	$140,449 48.6%	$132,270 45.8%	106	+$8,180
Jan 2025	19	$250,364	$122,717 49.0%	$114,981 45.9%	107	+$7,736
Dec 2024	20	$255,245	$107,051 41.9%	$117,407 46.0%	91	$-10,356
Nov 2024	21	$202,550	$97,410 48.1%	$93,288 46.1%	104	+$4,122
Oct 2024	22	$231,215	$105,912 45.8%	$106,644 46.1%	99	$-732
Sep 2024	23	$201,420	$98,017 48.7%	$92,957 46.2%	105	+$5,061
Aug 2024	24	$260,630	$119,963 46.0%	$120,308 46.2%	100	$-345
Jul 2024	25	$183,806	$87,880 47.8%	$84,865 46.2%	104	+$3,015
Jun 2024	26	$196,828	$110,422 56.1%	$90,923 46.2%	121	+$19,499
May 2024	27	$254,811	$121,811 47.8%	$117,752 46.2%	103	+$4,059
Apr 2024	28	$210,933	$103,840 49.2%	$97,508 46.2%	106	+$6,332
Mar 2024	29	$255,795	$129,653 50.7%	$118,254 46.2%	110	+$11,399
Feb 2024	30	$274,761	$155,454 56.6%	$127,030 46.2%	122	+$28,425
Jan 2024	31	$235,204	$130,957 55.7%	$108,756 46.2%	120	+$22,201

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
Jun 2025	$334,364	$126,427 37.8%	$5,906 4.7%	$120,521	$120,521	ok
Jul 2025	$279,511	$118,873 42.5%	$4,840 4.1%	$114,033	$114,241	$-208
May 2023	$331,273	$166,293 50.2%	$4,078 2.5%	$162,215	$162,215	ok
Apr 2025	$298,440	$111,145 37.2%	$3,471 3.1%	$107,674	$108,261	$-587
Mar 2026	$397,220	$94,776 23.9%	$3,396 3.6%	$91,380	$93,389	$-2,009
Nov 2025	$225,940	$94,146 41.7%	$3,082 3.3%	$91,064	$93,747	$-2,682
Oct 2024	$231,215	$105,912 45.8%	$2,775 2.6%	$103,137	$103,997	$-860
Feb 2025	$288,845	$140,449 48.6%	$2,559 1.8%	$137,891	$138,176	$-285
Dec 2024	$255,245	$107,051 41.9%	$2,390 2.2%	$104,661	$107,030	$-2,368
Feb 2024	$274,761	$155,546 56.6%	$2,232 1.4%	$153,314	$153,414	$-100
Jun 2023	$314,829	$163,291 51.9%	$2,022 1.2%	$161,269	$161,269	ok
Jan 2024	$235,204	$130,957 55.7%	$1,924 1.5%	$129,033	$129,632	$-599
Dec 2023	$206,715	$98,088 47.5%	$1,900 1.9%	$96,188	$96,188	ok
Mar 2023	$379,941	$160,037 42.1%	$1,846 1.2%	$158,191	$158,191	ok
Jul 2023	$249,635	$125,407 50.2%	$1,754 1.4%	$123,653	$123,653	ok
Oct 2025	$254,835	$90,726 35.6%	$1,723 1.9%	$89,004	$89,823	$-819
May 2025	$305,195	$117,253 38.4%	$1,722 1.5%	$115,531	$116,148	$-617
Apr 2023	$431,430	$195,397 45.3%	$1,683 0.9%	$193,714	$193,906	$-192
May 2024	$254,811	$121,821 47.8%	$1,678 1.4%	$120,144	$120,968	$-824
Aug 2024	$260,630	$119,963 46.0%	$1,660 1.4%	$118,303	$118,353	ok
Oct 2023	$215,140	$90,237 41.9%	$1,500 1.7%	$88,737	$88,737	ok
Sep 2025	$239,520	$101,678 42.5%	$1,460 1.4%	$100,218	$100,481	$-262
Mar 2025	$271,370	$109,464 40.3%	$1,301 1.2%	$108,163	$108,404	$-241
Feb 2026	$295,830	$73,895 25.0%	$1,231 1.7%	$72,663	$73,667	$-1,004
ALL MONTHS	$11,627,272	$4,457,849 38.3%	$70,684 1.6%	$4,387,165

Boston — 4,051 agreements, $7,648,401 of finance written

Finance written

$7,648,401

Collected

$3,613,151 47.2%

Written off

$557,264 7.3%

Still outstanding

$3,478,185 45.5%

Deposit taken

$2,365,408

Sale value

$10,013,809

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Aug 2020	1	$1,500	$550	$950	$0 0.0%	$0 0.0%	$950 100.0%	ok
Jul 2023	93	$233,230	$63,955	$169,275	$109,447 64.7%	$7,753 4.6%	$52,094 30.8%	ok
Aug 2023	134	$321,650	$88,230	$233,420	$158,503 67.9%	$18,160 7.8%	$56,768 24.3%	ok
Sep 2023	122	$274,960	$70,720	$204,240	$131,845 64.6%	$27,263 13.3%	$45,160 22.1%	ok
Oct 2023	129	$343,050	$95,471	$247,579	$152,817 61.7%	$20,515 8.3%	$74,247 30.0%	ok
Nov 2023	85	$193,225	$46,505	$146,720	$94,452 64.4%	$22,358 15.2%	$29,901 20.4%	ok
Dec 2023	104	$264,200	$63,400	$200,800	$125,568 62.5%	$18,976 9.4%	$56,291 28.0%	ok
Jan 2024	106	$265,500	$79,810	$185,690	$97,173 52.3%	$30,692 16.5%	$57,827 31.1%	ok
Feb 2024	91	$250,900	$67,320	$183,580	$112,741 61.4%	$21,319 11.6%	$49,526 27.0%	ok
Mar 2024	116	$302,829	$83,284	$219,545	$137,314 62.5%	$15,682 7.1%	$66,568 30.3%	ok
Apr 2024	95	$247,800	$64,080	$183,720	$116,380 63.3%	$15,725 8.6%	$51,615 28.1%	ok
May 2024	85	$220,082	$61,801	$158,281	$94,070 59.4%	$16,088 10.2%	$48,138 30.4%	ok
Jun 2024	97	$217,900	$63,990	$153,910	$91,963 59.8%	$16,940 11.0%	$45,014 29.2%	ok
Jul 2024	135	$272,048	$75,436	$196,612	$125,387 63.8%	$13,183 6.7%	$58,033 29.5%	ok
Aug 2024	92	$200,222	$55,691	$144,531	$90,789 62.8%	$10,329 7.1%	$43,413 30.0%	ok
Sep 2024	112	$275,750	$67,804	$207,946	$129,475 62.3%	$19,092 9.2%	$59,363 28.5%	ok
Oct 2024	109	$258,445	$65,565	$192,880	$111,567 57.8%	$13,951 7.2%	$67,367 34.9%	ok
Nov 2024	109	$280,307	$56,499	$223,809	$110,282 49.3%	$19,176 8.6%	$94,350 42.2%	ok
Dec 2024	76	$181,756	$36,579	$145,177	$88,476 60.9%	$8,075 5.6%	$48,651 33.5%	ok
Jan 2025	94	$184,892	$35,230	$149,662	$80,308 53.7%	$10,548 7.0%	$58,805 39.3%	ok
Feb 2025	121	$320,523	$60,884	$259,639	$129,532 49.9%	$27,762 10.7%	$102,368 39.4%	ok
Mar 2025	151	$372,955	$78,400	$294,555	$150,882 51.2%	$25,877 8.8%	$117,799 40.0%	ok
Apr 2025	146	$365,275	$78,760	$286,515	$142,411 49.7%	$19,821 6.9%	$124,283 43.4%	ok
May 2025	153	$354,500	$77,136	$277,364	$133,253 48.0%	$11,881 4.3%	$132,240 47.7%	ok
Jun 2025	134	$314,459	$71,949	$242,510	$135,859 56.0%	$23,387 9.6%	$83,258 34.3%	ok
Jul 2025	108	$221,950	$51,055	$170,895	$101,750 59.5%	$2,795 1.6%	$66,359 38.8%	ok
Aug 2025	91	$218,800	$50,055	$168,745	$92,218 54.6%	$1,300 0.8%	$75,240 44.6%	ok
Sep 2025	81	$187,600	$37,950	$149,650	$76,493 51.1%	$1,754 1.2%	$71,405 47.7%	ok
Oct 2025 ·11mo	58	$141,400	$30,710	$110,690	$61,989 56.0%	$5,125 4.6%	$43,578 39.4%	ok
Nov 2025 ·10mo	97	$245,875	$52,565	$193,310	$84,812 43.9%	$8,925 4.6%	$99,573 51.5%	ok
Dec 2025 ·9mo	92	$215,450	$45,573	$169,877	$65,431 38.5%	$5,721 3.4%	$98,724 58.1%	ok
Jan 2026 ·8mo	95	$262,425	$56,758	$205,667	$67,401 32.8%	$13,230 6.4%	$125,036 60.8%	ok
Feb 2026 ·7mo	90	$238,162	$58,959	$179,203	$51,200 28.6%	$4,606 2.6%	$123,403 68.9%	ok
Mar 2026 ·6mo	77	$236,232	$53,482	$182,750	$41,999 23.0%	$10,007 5.5%	$130,744 71.5%	ok
Apr 2026 ·5mo	84	$197,582	$48,656	$148,926	$29,387 19.7%	$9,500 6.4%	$110,039 73.9%	ok
May 2026 ·4mo	84	$217,500	$51,143	$166,357	$26,959 16.2%	$15,700 9.4%	$123,698 74.4%	ok
Jun 2026 ·3mo	111	$278,975	$62,583	$216,392	$28,909 13.4%	$17,600 8.1%	$169,883 78.5%	ok
Jul 2026 ·2mo	119	$324,950	$58,150	$266,800	$18,107 6.8%	$16,700 6.3%	$231,994 87.0%	ok
Aug 2026 ·1mo	125	$360,800	$72,115	$288,685	$14,817 5.1%	$6,550 2.3%	$267,318 92.6%	ok
Sep 2026 ·0mo	49	$148,150	$26,605	$121,545	$1,180 1.0%	$3,200 2.6%	$117,165 96.4%	ok
TOTAL	4051	$10,013,809	$2,365,408	$7,648,401	$3,613,151 47.2%	$557,264 7.3%	$3,478,185 45.5%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 4,050 of 4,051 agreements' finance schedules (1 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Aug 2020	$950	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Jul 2023	$169,275	0.46%	8.88%	8.21%	7.86%	7.51%	6.12%	5.95%	4.90%	4.80%	3.73%	2.79%	0.95%	2.76%	64.92%
Aug 2023	$233,420	0.36%	10.33%	7.30%	7.52%	6.37%	6.42%	5.68%	5.39%	4.67%	4.38%	4.28%	0.68%	4.96%	68.34%
Sep 2023	$204,240	0.32%	7.42%	6.59%	6.05%	6.75%	5.78%	5.22%	4.20%	4.86%	4.30%	3.71%	1.93%	8.19%	65.33%
Oct 2023	$247,579	0.56%	7.32%	7.03%	5.94%	5.74%	5.55%	5.12%	4.17%	4.43%	4.39%	4.82%	1.37%	5.49%	61.93%
Nov 2023	$146,720	2.20%	6.15%	6.86%	5.61%	7.01%	5.11%	6.56%	5.33%	3.69%	4.47%	3.88%	1.62%	6.74%	65.25%
Dec 2023	$200,800	3.45%	7.92%	6.92%	7.01%	6.91%	4.49%	6.58%	3.53%	4.20%	3.52%	3.08%	1.35%	3.64%	62.62%
Jan 2024	$185,690	3.52%	7.57%	6.68%	7.28%	4.95%	4.38%	3.99%	3.46%	2.64%	2.59%	2.25%	1.23%	3.96%	54.50%
Feb 2024	$183,580	3.29%	9.31%	9.29%	7.61%	6.28%	3.69%	4.25%	4.37%	3.99%	2.93%	2.52%	0.88%	3.59%	61.99%
Mar 2024	$219,545	3.74%	7.98%	8.21%	6.15%	5.41%	4.95%	4.35%	4.92%	4.03%	3.97%	3.74%	2.57%	3.44%	63.47%
Apr 2024	$183,720	2.84%	8.87%	6.96%	6.78%	7.28%	5.52%	5.12%	3.89%	3.75%	3.91%	2.78%	1.82%	4.08%	63.60%
May 2024	$158,281	2.14%	10.44%	7.50%	7.83%	6.54%	5.36%	4.49%	3.75%	3.52%	3.17%	2.15%	1.90%	3.40%	62.17%
Jun 2024	$153,910	2.00%	10.52%	7.75%	6.33%	5.76%	4.72%	3.79%	4.09%	2.82%	2.99%	3.82%	1.36%	4.19%	60.13%
Jul 2024	$196,612	1.18%	9.11%	8.59%	7.34%	6.67%	5.62%	5.01%	4.30%	3.96%	4.29%	3.47%	1.68%	3.95%	65.19%
Aug 2024	$144,531	0.03%	10.02%	7.35%	6.53%	6.40%	4.69%	5.29%	5.23%	5.28%	3.55%	3.22%	1.58%	4.86%	64.04%
Sep 2024	$207,946	1.04%	10.15%	6.95%	5.83%	5.82%	6.26%	4.40%	3.95%	3.42%	3.37%	3.06%	2.38%	5.51%	62.13%
Oct 2024	$192,880	1.61%	7.75%	5.67%	5.97%	4.85%	5.23%	4.76%	3.71%	4.79%	3.13%	3.10%	2.23%	5.08%	57.87%
Nov 2024	$223,809	0.07%	7.26%	6.63%	4.73%	4.56%	3.61%	3.11%	3.60%	2.81%	3.86%	2.22%	0.70%	6.54%	49.69%
Dec 2024	$145,177	3.27%	10.83%	7.48%	6.72%	4.94%	5.67%	3.85%	4.39%	3.46%	2.52%	3.00%	1.51%	4.11%	61.76%
Jan 2025	$149,662	1.11%	6.84%	6.72%	6.34%	4.43%	4.26%	3.43%	3.44%	3.57%	3.45%	2.36%	1.74%	6.51%	54.20%
Feb 2025	$259,639	1.73%	6.42%	5.71%	5.23%	5.23%	4.37%	3.41%	3.46%	2.97%	2.60%	2.25%	1.74%	5.79%	50.92%
Mar 2025	$294,555	0.94%	5.99%	5.59%	5.41%	4.89%	5.15%	3.68%	4.07%	3.83%	3.61%	3.04%	1.56%	3.97%	51.72%
Apr 2025	$286,515	0.41%	7.03%	6.33%	3.91%	4.88%	4.07%	3.64%	3.87%	3.43%	3.72%	3.16%	2.01%	3.88%	50.34%
May 2025	$277,364	0.17%	6.86%	5.45%	4.05%	4.93%	3.96%	4.70%	3.53%	3.11%	3.31%	2.87%	1.80%	4.04%	48.78%
Jun 2025	$242,510	0.16%	6.48%	5.92%	7.13%	5.16%	5.06%	4.57%	4.50%	4.07%	4.20%	3.33%	3.11%	3.00%	56.70%
Jul 2025	$170,895	1.06%	8.74%	6.35%	5.99%	5.66%	4.85%	5.07%	5.37%	5.34%	3.90%	3.07%	1.82%	2.83%	60.02%
Aug 2025	$168,745	2.14%	6.43%	6.14%	5.42%	5.58%	3.80%	5.23%	3.80%	3.41%	2.73%	3.07%	5.42%	2.04%	55.21%
Sep 2025	$149,650	0.21%	6.33%	5.69%	7.51%	5.55%	4.99%	4.75%	4.60%	3.73%	3.35%	3.43%	1.21%	0.15%	51.49%
Oct 2025	$110,690	0.43%	7.64%	6.31%	8.15%	5.75%	5.04%	5.15%	5.14%	3.98%	3.48%	3.11%	0.55%	0.00%	54.75%
Nov 2025	$193,310	2.13%	6.09%	5.88%	4.80%	4.30%	4.40%	4.07%	4.15%	3.70%	3.14%	0.69%	0.00%	0.00%	43.32%
Dec 2025	$169,877	0.51%	6.10%	4.92%	6.67%	5.46%	4.12%	3.13%	3.80%	3.26%	0.71%	0.00%	0.00%	0.00%	38.68%
Jan 2026	$205,667	0.42%	6.07%	5.64%	4.44%	5.44%	4.17%	4.02%	2.89%	0.26%	0.00%	0.00%	0.00%	0.00%	33.34%
Feb 2026	$179,203	1.31%	5.95%	4.57%	4.70%	3.81%	3.65%	3.70%	0.55%	0.00%	0.00%	0.00%	0.00%	0.00%	28.24%
Mar 2026	$182,750	0.58%	4.83%	4.63%	3.98%	4.12%	3.96%	0.74%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	22.84%
Apr 2026	$148,926	0.22%	4.82%	4.91%	5.02%	4.02%	1.15%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.14%
May 2026	$166,357	1.32%	5.17%	5.05%	4.76%	0.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.83%
Jun 2026	$216,392	0.00%	6.30%	6.23%	0.95%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.48%
Jul 2026	$266,800	0.02%	4.81%	1.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.15%
Aug 2026	$288,685	2.77%	1.64%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.41%
Sep 2026	$120,345	0.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.07%
AVERAGE (settled months only)	$5,398,199	1.40%	7.97%	6.80%	6.17%	5.71%	4.93%	4.61%	4.18%	3.85%	3.58%	3.14%	1.78%	4.37%	58.50%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 28 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $545,154 (45% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $680,337 against an actual $679,740 — +0.1%. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$111,070 18.0%
Nov 2026	+2	$96,378 15.6%
Dec 2026	+3	$83,248 13.5%
Jan 2027	+4	$71,323 11.6%
Feb 2027	+5	$60,695 9.8%
Mar 2027	+6	$51,596 8.4%
Apr 2027	+7	$43,069 7.0%
May 2027	+8	$34,686 5.6%
Jun 2027	+9	$26,240 4.3%
Jul 2027	+10	$18,127 2.9%
Aug 2027	+11	$12,362 2.0%
Sep 2027	+12	$8,610 1.4%
NEXT 12 MONTHS		$617,405 17.8% of the $3,478,185 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$216,392	$27,113 12.5%	$34,989 16.2%	77	$-7,876
May 2026	3	$166,357	$27,126 16.3%	$37,159 22.3%	73	$-10,033
Apr 2026	4	$148,926	$28,273 19.0%	$41,772 28.0%	68	$-13,499
Mar 2026	5	$182,750	$40,387 22.1%	$60,273 33.0%	67	$-19,886
Feb 2026	6	$179,203	$49,615 27.7%	$67,367 37.6%	74	$-17,752
Jan 2026	7	$205,667	$68,033 33.1%	$85,908 41.8%	79	$-17,875
Dec 2025	8	$169,877	$64,497 38.0%	$77,499 45.6%	83	$-13,002
Nov 2025	9	$193,310	$82,412 42.6%	$95,112 49.2%	87	$-12,700
Oct 2025	10	$110,690	$59,995 54.2%	$57,941 52.3%	104	+$2,054
Sep 2025	11	$149,650	$76,833 51.3%	$81,002 54.1%	95	$-4,169
Aug 2025	12	$168,745	$92,855 55.0%	$93,587 55.5%	99	$-732
Jul 2025	13	$170,895	$102,575 60.0%	$96,378 56.4%	106	+$6,197
Jun 2025	14	$242,510	$137,449 56.7%	$138,217 57.0%	99	$-768
May 2025	15	$277,364	$134,147 48.4%	$159,034 57.3%	84	$-24,888
Apr 2025	16	$286,515	$143,668 50.1%	$165,099 57.6%	87	$-21,431
Mar 2025	17	$294,555	$152,348 51.7%	$170,323 57.8%	89	$-17,975
Feb 2025	18	$259,639	$132,216 50.9%	$150,395 57.9%	88	$-18,179
Jan 2025	19	$149,662	$81,040 54.1%	$86,909 58.1%	93	$-5,869
Dec 2024	20	$145,177	$89,659 61.8%	$84,426 58.2%	106	+$5,233
Nov 2024	21	$223,809	$111,217 49.7%	$130,276 58.2%	85	$-19,059
Oct 2024	22	$192,880	$111,626 57.9%	$112,386 58.3%	99	$-760
Sep 2024	23	$207,946	$129,197 62.1%	$121,344 58.4%	106	+$7,853
Aug 2024	24	$144,531	$92,556 64.0%	$84,371 58.4%	110	+$8,185
Jul 2024	25	$196,612	$128,170 65.2%	$114,830 58.4%	112	+$13,341
Jun 2024	26	$153,910	$92,543 60.1%	$89,918 58.4%	103	+$2,625
May 2024	27	$158,281	$98,410 62.2%	$92,497 58.4%	106	+$5,913
Apr 2024	28	$183,720	$116,842 63.6%	$107,375 58.4%	109	+$9,467
Mar 2024	29	$219,545	$139,339 63.5%	$128,328 58.5%	109	+$11,012
Feb 2024	30	$183,580	$113,800 62.0%	$107,314 58.5%	106	+$6,486
Jan 2024	31	$185,690	$101,196 54.5%	$108,557 58.5%	93	$-7,361

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
May 2024	$158,281	$98,410 62.2%	$4,340 4.4%	$94,070	$94,070	ok
Jan 2024	$185,690	$101,196 54.5%	$4,023 4.0%	$97,173	$97,173	ok
Feb 2025	$259,639	$132,216 50.9%	$3,367 2.5%	$128,850	$129,532	$-682
Jul 2024	$196,612	$128,170 65.2%	$3,029 2.4%	$125,142	$125,387	$-246
Jan 2026	$205,667	$68,564 33.3%	$2,639 3.8%	$65,925	$67,401	$-1,477
Apr 2026	$148,926	$29,988 20.1%	$2,195 7.3%	$27,793	$29,387	$-1,594
May 2025	$277,364	$135,294 48.8%	$2,112 1.6%	$133,183	$133,253	$-71
Apr 2025	$286,515	$144,246 50.3%	$2,029 1.4%	$142,216	$142,411	$-195
Mar 2024	$219,545	$139,339 63.5%	$2,025 1.5%	$137,314	$137,314	ok
May 2026	$166,357	$27,998 16.8%	$1,947 7.0%	$26,051	$26,959	$-908
Jun 2025	$242,510	$137,499 56.7%	$1,894 1.4%	$135,604	$135,859	$-255
Aug 2024	$144,531	$92,556 64.0%	$1,766 1.9%	$90,789	$90,789	ok
Aug 2023	$233,420	$159,513 68.3%	$1,723 1.1%	$157,790	$158,503	$-713
Sep 2023	$204,240	$133,437 65.3%	$1,593 1.2%	$131,845	$131,845	ok
Dec 2024	$145,177	$89,659 61.8%	$1,488 1.7%	$88,171	$88,476	$-305
Mar 2025	$294,555	$152,348 51.7%	$1,466 1.0%	$150,882	$150,882	ok
Nov 2023	$146,720	$95,732 65.2%	$1,280 1.3%	$94,452	$94,452	ok
Mar 2026	$182,750	$41,748 22.8%	$1,177 2.8%	$40,571	$41,999	$-1,427
Jun 2026	$216,392	$29,164 13.5%	$1,115 3.8%	$28,049	$28,909	$-860
Oct 2023	$247,579	$153,321 61.9%	$1,094 0.7%	$152,227	$152,817	$-590
Feb 2024	$183,580	$113,800 62.0%	$1,059 0.9%	$112,741	$112,741	ok
Aug 2025	$168,745	$93,163 55.2%	$1,045 1.1%	$92,118	$92,218	$-100
Nov 2024	$223,809	$111,217 49.7%	$985 0.9%	$110,232	$110,282	$-50
Jan 2025	$149,662	$81,120 54.2%	$962 1.2%	$80,158	$80,308	$-150
ALL MONTHS	$7,647,201	$3,645,032 47.7%	$52,366 1.4%	$3,592,666

Nashville — 2,805 agreements, $5,613,809 of finance written

Finance written

$5,613,809

Collected

$1,986,393 35.4%

Written off

$209,124 3.7%

Still outstanding

$3,418,333 60.9%

Deposit taken

$1,257,236

Sale value

$6,871,045

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Sep 2024	111	$263,900	$51,790	$212,110	$103,591 48.8%	$15,965 7.5%	$92,554 43.6%	ok
Oct 2024	137	$323,970	$66,853	$257,118	$142,922 55.6%	$13,107 5.1%	$101,087 39.3%	ok
Nov 2024	105	$263,650	$51,010	$212,640	$111,678 52.5%	$9,786 4.6%	$91,180 42.9%	ok
Dec 2024	99	$252,450	$53,497	$198,953	$110,628 55.6%	$9,298 4.7%	$79,024 39.7%	ok
Jan 2025	100	$265,180	$54,263	$210,917	$115,281 54.7%	$10,095 4.8%	$85,545 40.6%	ok
Feb 2025	110	$267,000	$51,138	$215,862	$99,541 46.1%	$6,542 3.0%	$109,779 50.9%	ok
Mar 2025	132	$301,550	$55,327	$246,223	$111,778 45.4%	$15,778 6.4%	$118,673 48.2%	ok
Apr 2025	129	$325,362	$62,564	$262,798	$105,817 40.3%	$19,283 7.3%	$137,702 52.4%	ok
May 2025	123	$357,550	$61,385	$296,165	$115,624 39.0%	$17,365 5.9%	$163,181 55.1%	ok
Jun 2025	109	$294,800	$50,980	$243,820	$91,993 37.7%	$14,620 6.0%	$137,216 56.3%	ok
Jul 2025	104	$278,940	$54,998	$223,942	$91,120 40.7%	$14,750 6.6%	$118,074 52.7%	ok
Aug 2025	143	$340,354	$61,480	$278,875	$108,393 38.9%	$14,676 5.3%	$155,807 55.9%	ok
Sep 2025	118	$259,439	$42,388	$217,051	$99,416 45.8%	$5,651 2.6%	$111,985 51.6%	ok
Oct 2025 ·11mo	112	$245,735	$43,960	$201,775	$93,055 46.1%	$2,080 1.0%	$106,641 52.9%	ok
Nov 2025 ·10mo	121	$273,500	$48,535	$224,965	$73,682 32.8%	$9,725 4.3%	$141,558 62.9%	ok
Dec 2025 ·9mo	115	$260,115	$45,930	$214,185	$69,106 32.3%	$2,828 1.3%	$142,252 66.4%	ok
Jan 2026 ·8mo	109	$262,425	$46,795	$215,630	$66,817 31.0%	$5,300 2.5%	$143,518 66.6%	ok
Feb 2026 ·7mo	137	$367,300	$65,599	$301,701	$107,341 35.6%	$5,000 1.7%	$189,365 62.8%	ok
Mar 2026 ·6mo	107	$265,625	$47,490	$218,135	$44,140 20.2%	$3,700 1.7%	$170,295 78.1%	ok
Apr 2026 ·5mo	103	$248,000	$43,359	$204,641	$33,482 16.4%	$6,251 3.1%	$164,909 80.6%	ok
May 2026 ·4mo	128	$302,600	$50,080	$252,520	$40,081 15.9%	$0 0.0%	$212,439 84.1%	ok
Jun 2026 ·3mo	97	$246,950	$42,575	$204,375	$26,489 13.0%	$2,825 1.4%	$175,061 85.7%	ok
Jul 2026 ·2mo	101	$251,950	$44,061	$207,889	$16,158 7.8%	$2,500 1.2%	$189,231 91.0%	ok
Aug 2026 ·1mo	111	$253,000	$42,065	$210,935	$8,060 3.8%	$2,000 0.9%	$200,875 95.2%	ok
Sep 2026 ·0mo	44	$99,700	$19,115	$80,585	$200 0.2%	$0 0.0%	$80,385 99.8%	ok
TOTAL	2805	$6,871,045	$1,257,236	$5,613,809	$1,986,393 35.4%	$209,124 3.7%	$3,418,333 60.9%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 2,801 of 2,805 agreements' finance schedules (4 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Sep 2024	$212,110	0.33%	6.82%	6.74%	4.73%	4.96%	4.34%	3.64%	3.14%	2.91%	3.35%	2.39%	1.52%	3.18%	48.06%
Oct 2024	$257,118	2.11%	7.87%	6.03%	7.68%	4.41%	4.13%	4.07%	4.04%	3.83%	3.36%	3.05%	1.81%	4.30%	56.66%
Nov 2024	$212,640	0.94%	7.75%	7.28%	5.34%	5.15%	3.90%	5.22%	3.87%	3.63%	3.51%	2.61%	1.19%	2.18%	52.57%
Dec 2024	$198,953	0.27%	6.91%	6.20%	5.37%	4.95%	4.58%	5.20%	4.60%	4.84%	3.53%	3.75%	1.38%	4.22%	55.80%
Jan 2025	$210,917	0.88%	7.99%	5.96%	5.54%	4.87%	4.73%	4.17%	4.81%	3.78%	3.79%	3.43%	1.35%	4.59%	55.88%
Feb 2025	$215,862	0.56%	6.36%	6.40%	4.60%	4.22%	3.99%	4.44%	3.53%	3.31%	2.67%	2.83%	0.65%	2.93%	46.49%
Mar 2025	$246,223	0.55%	6.85%	5.05%	4.42%	4.16%	3.76%	4.03%	3.92%	3.61%	2.34%	2.35%	1.02%	3.27%	45.34%
Apr 2025	$262,798	0.07%	6.07%	5.35%	4.76%	4.71%	3.28%	3.50%	2.66%	2.41%	2.23%	2.04%	0.95%	2.81%	40.83%
May 2025	$296,165	0.44%	5.76%	4.24%	4.09%	3.66%	3.21%	3.85%	2.61%	2.46%	2.76%	2.58%	1.46%	2.20%	39.33%
Jun 2025	$243,820	0.15%	5.43%	4.45%	3.81%	2.98%	2.99%	2.67%	2.53%	2.29%	2.17%	3.09%	1.71%	3.65%	37.92%
Jul 2025	$223,942	1.02%	5.12%	5.68%	4.00%	3.93%	3.66%	3.36%	3.50%	2.58%	2.35%	2.34%	2.31%	1.61%	41.46%
Aug 2025	$278,875	0.26%	5.65%	4.89%	4.01%	4.66%	3.59%	2.81%	2.43%	3.15%	3.07%	2.99%	1.04%	0.39%	38.94%
Sep 2025	$217,051	2.28%	5.83%	5.01%	5.23%	4.66%	4.28%	3.87%	3.62%	3.92%	3.03%	3.01%	1.27%	0.13%	46.14%
Oct 2025	$201,775	1.71%	5.98%	4.99%	5.38%	4.38%	4.73%	4.42%	3.91%	3.43%	3.45%	3.45%	0.23%	0.00%	46.07%
Nov 2025	$224,965	1.05%	7.45%	4.17%	3.76%	3.06%	3.07%	3.09%	2.63%	2.53%	1.98%	0.47%	0.00%	0.00%	33.26%
Dec 2025	$214,185	0.21%	5.23%	4.65%	4.80%	3.53%	3.37%	3.81%	3.04%	2.62%	0.56%	0.00%	0.00%	0.00%	31.81%
Jan 2026	$215,630	0.56%	5.94%	5.47%	4.15%	3.78%	3.60%	3.50%	2.88%	0.83%	0.00%	0.00%	0.00%	0.00%	30.72%
Feb 2026	$301,701	0.64%	8.13%	7.69%	4.95%	4.98%	4.09%	3.59%	1.05%	0.00%	0.00%	0.00%	0.00%	0.00%	35.12%
Mar 2026	$218,135	0.49%	6.42%	3.79%	3.18%	3.17%	2.67%	0.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	20.44%
Apr 2026	$204,641	0.03%	4.26%	3.58%	3.45%	3.32%	1.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.71%
May 2026	$252,520	1.24%	5.37%	4.44%	3.51%	0.68%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.24%
Jun 2026	$204,375	1.60%	5.06%	4.67%	0.53%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.86%
Jul 2026	$207,889	0.14%	4.74%	1.57%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.45%
Aug 2026	$210,935	1.17%	0.79%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.96%
Sep 2026	$72,865	0.27%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.27%
AVERAGE (settled months only)	$3,076,473	0.74%	6.45%	5.56%	4.87%	4.38%	3.84%	3.86%	3.42%	3.24%	2.91%	2.78%	1.36%	2.69%	46.09%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 13 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $645,795 (54% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $591,184 against an actual $561,011 — +5.4%. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$91,757 19.4%
Nov 2026	+2	$78,877 16.6%
Dec 2026	+3	$67,627 14.3%
Jan 2027	+4	$56,549 11.9%
Feb 2027	+5	$47,338 10.0%
Mar 2027	+6	$38,985 8.2%
Apr 2027	+7	$30,558 6.4%
May 2027	+8	$23,340 4.9%
Jun 2027	+9	$16,891 3.6%
Jul 2027	+10	$10,743 2.3%
Aug 2027	+11	$6,838 1.4%
Sep 2027	+12	$4,625 1.0%
NEXT 12 MONTHS		$474,128 13.9% of the $3,418,333 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$204,375	$23,141 11.3%	$26,069 12.8%	89	$-2,928
May 2026	3	$252,520	$36,773 14.6%	$44,498 17.6%	83	$-7,724
Apr 2026	4	$204,641	$29,962 14.6%	$45,018 22.0%	67	$-15,055
Mar 2026	5	$218,135	$43,021 19.7%	$56,352 25.8%	76	$-13,330
Feb 2026	6	$301,701	$102,779 34.1%	$89,589 29.7%	115	+$13,191
Jan 2026	7	$215,630	$64,449 29.9%	$71,406 33.1%	90	$-6,958
Dec 2025	8	$214,185	$66,938 31.3%	$77,866 36.4%	86	$-10,928
Nov 2025	9	$224,965	$73,754 32.8%	$88,331 39.3%	83	$-14,578
Oct 2025	10	$201,775	$92,498 45.8%	$84,845 42.0%	109	+$7,653
Sep 2025	11	$217,051	$99,871 46.0%	$94,216 43.4%	106	+$5,655
Aug 2025	12	$278,875	$108,356 38.9%	$123,374 44.2%	88	$-15,018
Jul 2025	13	$223,942	$92,232 41.2%	$100,599 44.9%	92	$-8,367
Jun 2025	14	$243,820	$92,459 37.9%	$110,429 45.3%	84	$-17,971
May 2025	15	$296,165	$116,475 39.3%	$134,805 45.5%	86	$-18,330
Apr 2025	16	$262,798	$107,232 40.8%	$120,089 45.7%	89	$-12,856
Mar 2025	17	$246,223	$111,634 45.3%	$112,757 45.8%	99	$-1,123
Feb 2025	18	$215,862	$100,191 46.4%	$99,140 45.9%	101	+$1,051
Jan 2025	19	$210,917	$117,850 55.9%	$96,983 46.0%	122	+$20,867
Dec 2024	20	$198,953	$111,015 55.8%	$91,568 46.0%	121	+$19,446
Nov 2024	21	$212,640	$111,791 52.6%	$98,003 46.1%	114	+$13,788
Oct 2024	22	$257,118	$145,676 56.7%	$118,511 46.1%	123	+$27,164
Sep 2024	23	$212,110	$101,861 48.0%	$97,766 46.1%	104	+$4,094

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
Oct 2024	$257,118	$145,676 56.7%	$2,754 1.9%	$142,922	$142,922	ok
Jan 2025	$210,917	$117,850 55.9%	$2,620 2.2%	$115,231	$115,281	$-50
Nov 2025	$224,965	$74,815 33.3%	$2,472 3.3%	$72,343	$73,682	$-1,340
Jan 2026	$215,630	$66,234 30.7%	$1,906 2.9%	$64,328	$66,817	$-2,489
Jul 2025	$223,942	$92,857 41.5%	$1,845 2.0%	$91,012	$91,120	$-108
Apr 2025	$262,798	$107,312 40.8%	$1,525 1.4%	$105,787	$105,817	ok
Mar 2025	$246,223	$111,634 45.3%	$1,056 0.9%	$110,578	$111,778	$-1,200
Mar 2026	$218,135	$44,596 20.4%	$940 2.1%	$43,656	$44,140	$-484
Sep 2025	$217,051	$100,152 46.1%	$919 0.9%	$99,233	$99,416	$-182
Jun 2025	$243,820	$92,459 37.9%	$862 0.9%	$91,597	$91,993	$-396
May 2025	$296,165	$116,475 39.3%	$851 0.7%	$115,624	$115,624	ok
Feb 2025	$215,862	$100,346 46.5%	$805 0.8%	$99,541	$99,541	ok
Feb 2026	$301,701	$105,957 35.1%	$746 0.7%	$105,211	$107,341	$-2,129
Aug 2025	$278,875	$108,590 38.9%	$575 0.5%	$108,015	$108,393	$-379
Dec 2024	$198,953	$111,015 55.8%	$387 0.3%	$110,628	$110,628	ok
Apr 2026	$204,641	$32,144 15.7%	$200 0.6%	$31,944	$33,482	$-1,538
Nov 2024	$212,640	$111,791 52.6%	$113 0.1%	$111,678	$111,678	ok
Sep 2024	$212,110	$101,937 48.1%	$111 0.1%	$101,826	$103,591	$-1,765
Dec 2025	$214,185	$68,140 31.8%	$92 0.1%	$68,049	$69,106	$-1,057
Oct 2025	$201,775	$92,965 46.1%	$56 0.1%	$92,910	$93,055	$-146
May 2026	$252,520	$38,489 15.2%	$25 0.1%	$38,464	$40,081	$-1,617
ALL MONTHS	$5,606,089	$1,983,399 35.4%	$20,857 1.1%	$1,962,542

Chicago — 1,721 agreements, $3,566,283 of finance written

Finance written

$3,566,283

Collected

$849,402 23.8%

Written off

$110,945 3.1%

Still outstanding

$2,606,008 73.1%

Deposit taken

$951,166

Sale value

$4,517,449

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Aug 2025	89	$226,600	$44,066	$182,534	$64,967 35.6%	$14,425 7.9%	$103,157 56.5%	ok
Sep 2025	121	$307,598	$60,573	$247,025	$99,180 40.1%	$12,591 5.1%	$135,286 54.8%	ok
Oct 2025 ·11mo	132	$345,499	$70,290	$275,209	$114,285 41.5%	$8,600 3.1%	$152,322 55.3%	ok
Nov 2025 ·10mo	134	$360,665	$74,155	$286,510	$116,962 40.8%	$7,030 2.5%	$162,523 56.7%	ok
Dec 2025 ·9mo	115	$283,830	$66,203	$217,627	$80,384 36.9%	$3,100 1.4%	$134,143 61.6%	ok
Jan 2026 ·8mo	129	$332,375	$64,015	$268,360	$89,122 33.2%	$12,716 4.7%	$166,524 62.1%	ok
Feb 2026 ·7mo	125	$321,674	$62,355	$259,319	$60,896 23.5%	$7,387 2.8%	$191,036 73.7%	ok
Mar 2026 ·6mo	174	$450,820	$103,675	$347,145	$66,868 19.3%	$5,900 1.7%	$274,386 79.0%	ok
Apr 2026 ·5mo	145	$408,675	$84,795	$323,880	$46,521 14.4%	$6,475 2.0%	$270,893 83.6%	ok
May 2026 ·4mo	132	$375,237	$81,217	$294,020	$45,197 15.4%	$5,371 1.8%	$243,452 82.8%	ok
Jun 2026 ·3mo	118	$305,157	$72,494	$232,663	$28,111 12.1%	$12,900 5.5%	$191,652 82.4%	ok
Jul 2026 ·2mo	118	$309,648	$61,334	$248,314	$23,323 9.4%	$5,450 2.2%	$219,541 88.4%	ok
Aug 2026 ·1mo	135	$347,721	$76,049	$271,672	$13,584 5.0%	$5,550 2.0%	$252,538 93.0%	ok
Sep 2026 ·0mo	54	$141,950	$29,945	$112,005	$0 0.0%	$3,450 3.1%	$108,555 96.9%	ok
TOTAL	1721	$4,517,449	$951,166	$3,566,283	$849,402 23.8%	$110,945 3.1%	$2,606,008 73.1%

Collection curve — how the cash came in, month by month after the sale

Each cell is the share of that month's finance written that arrived in month 1, 2, 3 … after it was written. Month 1 is the month of the sale itself; the first installment usually falls due the month after, which is why month 2 is normally the peak. This is cash in, gross — chargebacks and refunds are held out and reconciled in their own table below, so no cell reads below zero. Failed charges never count. Built from 1,717 of 1,721 agreements' finance schedules (4 not pulled yet).

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Aug 2025	$182,534	1.15%	5.00%	3.90%	3.03%	3.35%	3.08%	2.58%	2.44%	2.61%	4.22%	2.38%	1.69%	1.91%	37.34%
Sep 2025	$247,025	0.40%	5.43%	4.65%	4.27%	3.76%	3.83%	3.47%	3.54%	2.79%	2.87%	2.73%	1.64%	0.87%	40.26%
Oct 2025	$275,209	0.59%	4.58%	5.24%	4.71%	4.43%	4.35%	3.86%	3.79%	3.82%	3.46%	2.42%	0.45%	0.00%	41.71%
Nov 2025	$286,510	0.88%	5.56%	6.12%	5.23%	4.11%	5.70%	3.93%	3.17%	3.10%	2.31%	1.32%	0.00%	0.00%	41.44%
Dec 2025	$217,627	0.08%	5.41%	6.16%	5.15%	4.89%	4.53%	4.07%	3.31%	3.35%	1.23%	0.00%	0.00%	0.00%	38.17%
Jan 2026	$268,360	1.00%	6.02%	5.88%	4.61%	4.61%	4.36%	3.71%	2.73%	0.53%	0.00%	0.00%	0.00%	0.00%	33.45%
Feb 2026	$259,319	1.19%	5.09%	4.14%	3.38%	3.01%	2.77%	2.66%	1.07%	0.00%	0.00%	0.00%	0.00%	0.00%	23.31%
Mar 2026	$347,145	0.27%	4.49%	3.81%	3.23%	2.83%	3.15%	1.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	18.99%
Apr 2026	$323,880	0.35%	3.23%	3.01%	4.11%	2.83%	0.40%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.94%
May 2026	$294,020	0.85%	5.19%	5.00%	3.51%	0.95%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.50%
Jun 2026	$232,663	0.04%	5.40%	5.30%	1.37%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.10%
Jul 2026	$248,314	0.28%	6.05%	1.62%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.95%
Aug 2026	$271,672	1.71%	2.77%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.48%
Sep 2026	$102,705	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
AVERAGE (settled months only)	$429,559	0.72%	5.25%	4.33%	3.75%	3.58%	3.52%	3.09%	3.07%	2.71%	3.44%	2.58%	1.66%	1.31%	39.02%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 2 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $745,886 (92% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $69,642 against an actual $65,448 — +6.4%. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$96,024 18.8%
Nov 2026	+2	$83,365 16.4%
Dec 2026	+3	$73,371 14.4%
Jan 2027	+4	$63,895 12.5%
Feb 2027	+5	$53,608 10.5%
Mar 2027	+6	$43,667 8.6%
Apr 2027	+7	$34,255 6.7%
May 2027	+8	$26,323 5.2%
Jun 2027	+9	$17,818 3.5%
Jul 2027	+10	$10,403 2.0%
Aug 2027	+11	$5,242 1.0%
Sep 2027	+12	$1,591 0.3%
NEXT 12 MONTHS		$509,561 19.6% of the $2,606,008 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Jun 2026	2	$232,663	$24,976 10.7%	$23,970 10.3%	104	+$1,005
May 2026	3	$294,020	$42,774 14.5%	$41,305 14.0%	104	+$1,468
Apr 2026	4	$323,880	$43,845 13.5%	$57,100 17.6%	77	$-13,255
Mar 2026	5	$347,145	$61,731 17.8%	$73,407 21.1%	84	$-11,676
Feb 2026	6	$259,319	$57,672 22.2%	$62,843 24.2%	92	$-5,171
Jan 2026	7	$268,360	$88,328 32.9%	$73,271 27.3%	121	+$15,057
Dec 2025	8	$217,627	$80,393 36.9%	$65,326 30.0%	123	+$15,067
Nov 2025	9	$286,510	$114,967 40.1%	$95,870 33.5%	120	+$19,098
Oct 2025	10	$275,209	$113,558 41.3%	$99,193 36.0%	114	+$14,365
Sep 2025	11	$247,025	$97,286 39.4%	$93,136 37.7%	104	+$4,150
Aug 2025	12	$182,534	$67,548 37.0%	$70,959 38.9%	95	$-3,412

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
Aug 2025	$182,534	$68,160 37.3%	$3,559 5.2%	$64,601	$64,967	$-367
Jan 2026	$268,360	$89,755 33.4%	$2,761 3.1%	$86,994	$89,122	$-2,128
Dec 2025	$217,627	$83,078 38.2%	$2,693 3.2%	$80,384	$80,384	ok
May 2026	$294,020	$45,572 15.5%	$2,279 5.0%	$43,293	$45,197	$-1,904
Nov 2025	$286,510	$118,735 41.4%	$2,096 1.8%	$116,640	$116,962	$-323
Apr 2026	$323,880	$45,142 13.9%	$1,281 2.8%	$43,861	$46,521	$-2,661
Jun 2026	$232,663	$28,158 12.1%	$1,250 4.4%	$26,908	$28,111	$-1,203
Mar 2026	$347,145	$65,937 19.0%	$1,215 1.8%	$64,723	$66,868	$-2,146
Oct 2025	$275,209	$114,789 41.7%	$983 0.9%	$113,805	$114,285	$-479
Sep 2025	$247,025	$99,442 40.3%	$483 0.5%	$98,959	$99,180	$-221
ALL MONTHS	$3,556,983	$851,126 23.9%	$18,601 2.2%	$832,525

Atlanta — 7,589 agreements, $14,730,015 of finance written

Finance written

$14,730,015

Collected

$6,426,002 43.6%

Written off

$3,081,713 20.9%

Still outstanding

$5,223,259 35.5%

Deposit taken

$3,484,599

Sale value

$18,214,615

Every month of sales — what we wrote, what came in, what we lost, what is left

Month written	Agreements	Sale value	Deposit taken	Finance written	Collected	Written off	Still outstanding	Check
Jul 2021	108	$255,680	$42,120	$213,560	$97,960 45.9%	$47,638 22.3%	$67,973 31.8%	ok
Aug 2021	161	$373,814	$69,987	$303,827	$157,371 51.8%	$67,053 22.1%	$79,408 26.1%	ok
Sep 2021	187	$487,299	$83,236	$404,063	$199,090 49.3%	$64,654 16.0%	$140,353 34.7%	ok
Oct 2021	201	$561,115	$101,479	$459,636	$227,848 49.6%	$100,981 22.0%	$130,822 28.5%	ok
Nov 2021	184	$540,450	$96,030	$444,420	$215,349 48.5%	$116,072 26.1%	$113,015 25.4%	ok
Dec 2021	184	$517,166	$77,806	$439,360	$235,217 53.5%	$91,806 20.9%	$112,384 25.6%	ok
Jan 2022	163	$444,033	$75,350	$368,683	$196,191 53.2%	$73,579 20.0%	$98,963 26.8%	ok
Feb 2022	167	$512,050	$80,317	$431,733	$207,678 48.1%	$94,718 21.9%	$129,342 30.0%	ok
Mar 2022	174	$514,020	$89,752	$424,268	$140,519 33.1%	$123,588 29.1%	$160,161 37.7%	ok
Apr 2022	204	$577,960	$111,751	$466,209	$161,083 34.6%	$157,374 33.8%	$147,741 31.7%	ok
May 2022	308	$779,022	$169,132	$609,891	$281,493 46.2%	$180,460 29.6%	$147,987 24.3%	ok
Jun 2022	256	$599,594	$121,587	$478,007	$208,572 43.6%	$131,247 27.5%	$138,245 28.9%	ok
Jul 2022	240	$570,802	$137,644	$433,158	$193,001 44.6%	$107,764 24.9%	$132,420 30.6%	ok
Aug 2022	239	$574,943	$120,251	$454,692	$222,604 49.0%	$115,007 25.3%	$117,147 25.8%	ok
Sep 2022	217	$549,500	$98,405	$451,095	$214,472 47.5%	$113,488 25.2%	$123,184 27.3%	ok
Oct 2022	236	$616,853	$114,901	$501,952	$218,415 43.5%	$138,042 27.5%	$145,526 29.0%	ok
Nov 2022	217	$526,293	$107,595	$418,698	$183,640 43.9%	$92,243 22.0%	$142,836 34.1%	ok
Dec 2022	153	$382,499	$71,390	$311,109	$141,323 45.4%	$76,595 24.6%	$93,214 30.0%	ok
Jan 2023	183	$451,779	$100,889	$350,890	$148,486 42.3%	$83,588 23.8%	$118,834 33.9%	ok
Feb 2023	184	$455,799	$86,623	$369,176	$173,162 46.9%	$95,415 25.8%	$100,637 27.3%	ok
Mar 2023	219	$560,035	$115,480	$444,555	$203,627 45.8%	$102,699 23.1%	$138,252 31.1%	ok
Apr 2023	227	$552,206	$95,935	$456,271	$182,323 40.0%	$114,305 25.1%	$159,667 35.0%	ok
May 2023	171	$391,605	$75,435	$316,170	$144,993 45.9%	$74,588 23.6%	$96,644 30.6%	ok
Jun 2023	206	$458,416	$87,546	$370,870	$150,598 40.6%	$91,761 24.7%	$128,532 34.7%	ok
Jul 2023	127	$317,580	$63,373	$254,207	$97,061 38.2%	$87,327 34.4%	$69,833 27.5%	ok
Aug 2023	140	$325,660	$52,607	$273,053	$114,047 41.8%	$58,670 21.5%	$100,390 36.8%	ok
Sep 2023	131	$261,332	$45,520	$215,812	$96,501 44.7%	$34,643 16.1%	$84,684 39.2%	ok
Oct 2023	181	$358,282	$70,997	$287,285	$130,029 45.3%	$54,906 19.1%	$102,337 35.6%	ok
Nov 2023	199	$408,020	$67,529	$340,491	$134,235 39.4%	$63,459 18.6%	$142,810 41.9%	ok
Dec 2023	208	$453,913	$78,147	$375,766	$183,718 48.9%	$63,915 17.0%	$128,167 34.1%	ok
Jan 2024	227	$498,820	$92,623	$406,197	$157,868 38.9%	$35,848 8.8%	$212,535 52.3%	ok
Feb 2024	222	$515,695	$109,783	$405,912	$152,481 37.6%	$38,992 9.6%	$214,505 52.8%	ok
Mar 2024	216	$542,500	$104,875	$437,625	$128,512 29.4%	$40,697 9.3%	$268,402 61.3%	ok
Apr 2024	207	$508,354	$95,949	$412,405	$145,724 35.3%	$42,462 10.3%	$224,275 54.4%	ok
May 2024	203	$429,350	$86,439	$342,911	$153,527 44.8%	$22,072 6.4%	$167,314 48.8%	ok
Jun 2024	179	$394,890	$91,784	$303,106	$113,674 37.5%	$20,158 6.7%	$169,270 55.8%	ok
Jul 2024	208	$368,789	$90,933	$277,856	$104,223 37.5%	$13,593 4.9%	$160,044 57.6%	ok
Aug 2024	172	$270,598	$55,836	$214,762	$89,520 41.7%	$19,240 9.0%	$105,999 49.4%	ok
Sep 2024	96	$168,249	$27,717	$140,532	$70,321 50.0%	$16,095 11.5%	$54,126 38.5%	ok
Oct 2024	58	$89,200	$13,647	$75,553	$34,254 45.3%	$9,250 12.2%	$32,047 42.4%	ok
Nov 2024	26	$50,450	$6,200	$44,250	$15,294 34.6%	$5,725 12.9%	$23,235 52.5%	ok
TOTAL	7589	$18,214,615	$3,484,599	$14,730,015	$6,426,002 43.6%	$3,081,713 20.9%	$5,223,259 35.5%

Collection curve — how the cash came in, month by month after the sale

Month written	Finance written	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected
Jul 2021	$213,560	1.38%	6.44%	6.46%	7.40%	3.90%	3.28%	3.24%	3.12%	2.83%	2.25%	1.71%	1.31%	3.67%	46.99%
Aug 2021	$303,827	4.98%	11.74%	4.54%	4.96%	4.21%	4.77%	4.03%	2.48%	1.95%	1.09%	1.44%	1.26%	5.43%	52.88%
Sep 2021	$404,063	5.88%	8.22%	4.06%	4.69%	4.25%	4.35%	3.92%	2.62%	2.04%	1.66%	1.62%	1.58%	5.70%	50.58%
Oct 2021	$459,636	6.40%	11.74%	6.24%	4.97%	4.17%	3.47%	2.61%	2.21%	1.27%	1.21%	0.90%	0.83%	5.29%	51.32%
Nov 2021	$444,420	5.40%	9.58%	5.82%	6.72%	5.86%	4.10%	2.79%	1.74%	0.79%	0.89%	0.86%	1.14%	3.84%	49.53%
Dec 2021	$439,360	7.69%	5.99%	5.86%	6.69%	5.45%	4.55%	4.25%	2.04%	1.77%	2.31%	1.67%	1.33%	4.44%	54.04%
Jan 2022	$368,683	5.01%	12.97%	8.59%	4.75%	4.83%	4.03%	2.59%	1.48%	1.48%	1.28%	2.34%	2.22%	3.92%	55.49%
Feb 2022	$431,733	5.87%	13.73%	6.70%	4.63%	2.70%	3.10%	2.36%	1.58%	1.84%	1.96%	0.90%	0.86%	3.42%	49.65%
Mar 2022	$424,268	4.53%	8.42%	4.57%	3.61%	2.60%	2.00%	1.76%	1.08%	1.56%	0.86%	0.70%	0.64%	3.10%	35.44%
Apr 2022	$466,209	4.65%	6.90%	4.95%	3.48%	3.15%	2.31%	2.15%	1.48%	0.85%	1.45%	0.86%	0.87%	3.14%	36.23%
May 2022	$609,891	4.27%	8.87%	7.46%	5.55%	5.00%	3.40%	2.50%	1.99%	2.08%	2.15%	1.53%	0.83%	2.61%	48.22%
Jun 2022	$478,007	5.19%	10.41%	5.33%	4.31%	3.66%	2.48%	2.63%	2.14%	3.06%	1.21%	0.94%	0.85%	3.30%	45.49%
Jul 2022	$433,158	3.10%	12.45%	6.33%	4.74%	4.08%	2.84%	2.28%	2.35%	1.85%	1.58%	1.22%	0.90%	3.49%	47.21%
Aug 2022	$454,692	7.45%	9.39%	6.21%	4.62%	3.51%	3.96%	2.23%	2.02%	1.86%	2.19%	1.77%	1.06%	3.74%	50.01%
Sep 2022	$451,095	3.07%	9.16%	6.60%	4.64%	4.15%	3.77%	3.21%	2.32%	1.97%	2.59%	2.24%	1.11%	3.26%	48.08%
Oct 2022	$501,952	6.19%	5.93%	5.31%	3.56%	4.48%	3.81%	2.91%	2.48%	2.01%	2.14%	1.49%	1.51%	2.88%	44.70%
Nov 2022	$418,698	7.38%	6.81%	7.01%	5.60%	3.27%	2.66%	1.97%	2.02%	1.58%	2.12%	1.14%	1.26%	2.38%	45.21%
Dec 2022	$311,109	2.42%	7.71%	8.23%	4.97%	3.94%	3.57%	3.62%	2.18%	2.70%	1.85%	1.84%	0.81%	2.81%	46.66%
Jan 2023	$350,890	2.16%	8.90%	7.59%	5.03%	4.31%	3.04%	2.65%	2.01%	1.77%	1.42%	1.67%	0.92%	2.11%	43.58%
Feb 2023	$369,176	4.84%	8.37%	6.48%	4.73%	3.12%	3.94%	3.04%	2.32%	2.42%	1.18%	1.12%	1.90%	4.57%	48.03%
Mar 2023	$444,555	10.35%	8.67%	4.58%	5.10%	2.16%	2.44%	2.40%	2.03%	1.77%	1.62%	1.73%	1.05%	2.61%	46.51%
Apr 2023	$456,271	3.82%	6.26%	5.59%	4.31%	3.00%	2.48%	2.49%	1.99%	2.09%	1.49%	1.49%	1.42%	3.93%	40.35%
May 2023	$316,170	3.82%	8.36%	6.35%	4.22%	3.41%	2.57%	2.75%	2.51%	2.71%	2.15%	1.56%	1.15%	4.61%	46.17%
Jun 2023	$370,870	7.38%	5.64%	5.05%	4.28%	3.34%	2.50%	1.81%	1.82%	1.44%	1.80%	1.27%	0.75%	4.60%	41.67%
Jul 2023	$254,207	4.96%	6.03%	4.36%	3.94%	4.43%	3.40%	3.36%	2.60%	2.01%	1.16%	0.56%	1.43%	1.06%	39.28%
Aug 2023	$273,053	1.71%	7.16%	5.61%	4.10%	3.61%	3.04%	3.64%	3.05%	1.58%	1.78%	1.40%	1.07%	5.10%	42.85%
Sep 2023	$215,812	4.93%	7.24%	4.33%	5.19%	3.55%	2.89%	3.93%	1.91%	2.71%	2.22%	1.16%	0.91%	4.62%	45.59%
Oct 2023	$287,285	6.94%	6.67%	5.72%	4.39%	5.12%	2.86%	2.63%	2.79%	1.87%	1.52%	1.28%	1.07%	3.41%	46.26%
Nov 2023	$340,491	2.20%	6.74%	5.42%	6.92%	3.06%	2.97%	2.31%	1.64%	1.42%	1.13%	0.84%	0.95%	4.46%	40.06%
Dec 2023	$375,766	2.36%	9.84%	5.45%	5.57%	3.43%	3.58%	2.84%	3.05%	3.11%	2.66%	2.02%	1.67%	3.79%	49.37%
Jan 2024	$406,197	0.34%	6.94%	5.86%	4.01%	3.11%	2.60%	2.50%	2.28%	1.83%	1.95%	1.73%	1.39%	4.80%	39.35%
Feb 2024	$405,912	2.12%	5.91%	3.99%	3.56%	3.28%	2.96%	2.78%	2.31%	2.03%	1.87%	2.02%	1.57%	4.38%	38.77%
Mar 2024	$437,625	0.50%	4.16%	4.01%	2.78%	2.27%	2.19%	2.40%	1.48%	1.67%	1.58%	1.50%	1.18%	5.23%	30.96%
Apr 2024	$412,405	0.81%	5.62%	4.48%	3.44%	2.82%	3.31%	2.47%	2.26%	2.03%	1.69%	1.60%	1.50%	4.10%	36.14%
May 2024	$342,911	0.25%	5.67%	5.61%	4.48%	4.28%	3.51%	3.35%	3.78%	2.98%	2.47%	2.61%	1.07%	5.24%	45.29%
Jun 2024	$303,106	1.15%	6.38%	5.73%	3.88%	3.60%	2.96%	3.12%	1.98%	1.88%	2.18%	2.07%	0.91%	3.84%	39.69%
Jul 2024	$277,856	0.62%	6.00%	4.55%	4.05%	3.83%	2.79%	3.17%	2.06%	1.91%	1.88%	1.85%	0.85%	5.36%	38.91%
Aug 2024	$214,762	1.57%	7.07%	5.61%	5.53%	4.34%	3.58%	3.44%	3.24%	1.98%	1.23%	1.27%	0.87%	3.08%	42.82%
Sep 2024	$140,532	4.03%	16.54%	5.79%	3.99%	3.46%	2.45%	2.49%	2.51%	2.04%	2.91%	2.02%	0.59%	1.93%	50.75%
Oct 2024	$75,553	10.28%	6.52%	5.95%	4.15%	4.42%	5.69%	1.68%	2.27%	2.64%	1.50%	0.96%	0.15%	0.46%	46.67%
Nov 2024	$44,250	3.71%	4.86%	4.32%	4.67%	3.15%	3.11%	2.16%	1.65%	1.46%	2.86%	1.89%	0.33%	1.07%	35.24%
AVERAGE (settled months only)	$14,730,015	4.26%	8.18%	5.73%	4.68%	3.76%	3.21%	2.77%	2.17%	1.94%	1.75%	1.47%	1.15%	3.80%	44.86%

What should be coming in — next 12 months

The settled-month curve above, applied to every cohort's remaining months and laid out by calendar month. Baseline built from 41 settled cohorts, and each cohort is capped at what it still owes so nothing can be forecast to pay more than its outstanding balance.

Read this as a FLOOR, not the total. It is the run-off of the book already written — it contains nothing from agreements not yet sold. Over Sep 2025–Aug 2026, $0 (0% of all cash collected) came from agreements written inside that same window. Whatever gets sold from here lands on top of the figures below.

Backtested. Rewound to Sep 2025, projected only the cohorts that existed then, and compared with what they actually paid over the following 12 months: predicted $59,916 against an actual $56,983 — +5.1%. The baseline uses cohorts settled since, so this flatters itself a little; treat it as the right order of magnitude, not a guarantee.

Month	Months ahead	Expected in
Oct 2026	+1	$1,535 13.0%
Nov 2026	+2	$1,407 11.9%
Dec 2026	+3	$1,252 10.6%
Jan 2027	+4	$1,192 10.1%
Feb 2027	+5	$1,057 8.9%
Mar 2027	+6	$1,008 8.5%
Apr 2027	+7	$924 7.8%
May 2027	+8	$804 6.8%
Jun 2027	+9	$750 6.3%
Jul 2027	+10	$663 5.6%
Aug 2027	+11	$646 5.5%
Sep 2027	+12	$589 5.0%
NEXT 12 MONTHS		$11,825 0.2% of the $5,223,259 outstanding

Is the collection and outreach effort working?

Month written	Age (mo)	Finance written	Collected so far	Baseline at this age	Index	Ahead / behind
Nov 2024	21	$44,250	$15,594 35.2%	$19,594 44.3%	80	$-4,000
Oct 2024	22	$75,553	$35,259 46.7%	$33,500 44.3%	105	+$1,759
Sep 2024	23	$140,532	$71,323 50.8%	$62,361 44.4%	114	+$8,962
Aug 2024	24	$214,762	$91,953 42.8%	$95,448 44.4%	96	$-3,495
Jul 2024	25	$277,856	$108,013 38.9%	$123,568 44.5%	87	$-15,555
Jun 2024	26	$303,106	$120,289 39.7%	$134,863 44.5%	89	$-14,573
May 2024	27	$342,911	$155,240 45.3%	$152,621 44.5%	102	+$2,619
Apr 2024	28	$412,405	$149,041 36.1%	$183,621 44.5%	81	$-34,580
Mar 2024	29	$437,625	$135,483 31.0%	$194,977 44.6%	69	$-59,494
Feb 2024	30	$405,912	$157,392 38.8%	$180,885 44.6%	87	$-23,493
Jan 2024	31	$406,197	$159,821 39.3%	$181,075 44.6%	88	$-21,254
Dec 2023	32	$375,766	$185,517 49.4%	$167,631 44.6%	111	+$17,886
Nov 2023	33	$340,491	$136,406 40.1%	$152,073 44.7%	90	$-15,667
Oct 2023	34	$287,285	$132,897 46.3%	$128,348 44.7%	104	+$4,549
Sep 2023	35	$215,812	$98,389 45.6%	$96,431 44.7%	102	+$1,958
Aug 2023	36	$273,053	$117,005 42.9%	$122,022 44.7%	96	$-5,016
Jul 2023	37	$254,207	$99,857 39.3%	$113,603 44.7%	88	$-13,746
Jun 2023	38	$370,870	$154,540 41.7%	$165,751 44.7%	93	$-11,211
May 2023	39	$316,170	$145,976 46.2%	$141,322 44.7%	103	+$4,654
Apr 2023	40	$456,271	$184,106 40.4%	$204,068 44.7%	90	$-19,963
Mar 2023	41	$444,555	$206,754 46.5%	$198,922 44.7%	104	+$7,832
Feb 2023	42	$369,176	$177,324 48.0%	$165,201 44.7%	107	+$12,123
Jan 2023	43	$350,890	$152,929 43.6%	$157,115 44.8%	97	$-4,186
Dec 2022	44	$311,109	$145,163 46.7%	$139,310 44.8%	104	+$5,854
Nov 2022	45	$418,698	$189,281 45.2%	$187,557 44.8%	101	+$1,723
Oct 2022	46	$501,952	$224,389 44.7%	$224,965 44.8%	100	$-576
Sep 2022	47	$451,095	$216,908 48.1%	$202,206 44.8%	107	+$14,702
Aug 2022	48	$454,692	$227,409 50.0%	$203,962 44.9%	111	+$23,447
Jul 2022	48	$433,158	$204,475 47.2%	$194,302 44.9%	105	+$10,173
Jun 2022	48	$478,007	$217,450 45.5%	$214,420 44.9%	101	+$3,029

Chargebacks and refunds — netted out here, not in the curve

Month written	Finance written	Cash in (gross)	Charged back / refunded	Net	Ledger says	Check
May 2022	$609,891	$294,118 48.2%	$12,624 4.3%	$281,493	$281,493	ok
Jul 2022	$433,158	$204,475 47.2%	$11,475 5.6%	$193,001	$193,001	ok
Mar 2022	$424,268	$150,373 35.4%	$9,854 6.6%	$140,519	$140,519	ok
Jun 2022	$478,007	$217,450 45.5%	$8,877 4.1%	$208,572	$208,572	ok
Jan 2022	$368,683	$204,574 55.5%	$8,382 4.1%	$196,191	$196,191	ok
Oct 2021	$459,636	$235,875 51.3%	$8,052 3.4%	$227,823	$227,848	ok
Apr 2022	$466,209	$168,902 36.2%	$7,879 4.7%	$161,023	$161,083	ok
Mar 2024	$437,625	$135,483 31.0%	$7,051 5.2%	$128,432	$128,512	ok
Feb 2022	$431,733	$214,366 49.7%	$6,688 3.1%	$207,677	$207,678	ok
Jun 2024	$303,106	$120,289 39.7%	$6,615 5.5%	$113,674	$113,674	ok
Oct 2022	$501,952	$224,389 44.7%	$6,055 2.7%	$218,334	$218,415	ok
Nov 2022	$418,698	$189,281 45.2%	$5,641 3.0%	$183,640	$183,640	ok
Sep 2021	$404,063	$204,379 50.6%	$5,309 2.6%	$199,069	$199,090	ok
Feb 2024	$405,912	$157,392 38.8%	$5,011 3.2%	$152,381	$152,481	$-100
Aug 2022	$454,692	$227,409 50.0%	$4,805 2.1%	$222,604	$222,604	ok
Nov 2021	$444,420	$220,112 49.5%	$4,763 2.2%	$215,349	$215,349	ok
Jan 2023	$350,890	$152,929 43.6%	$4,444 2.9%	$148,486	$148,486	ok
Feb 2023	$369,176	$177,324 48.0%	$4,162 2.3%	$173,162	$173,162	ok
Jun 2023	$370,870	$154,540 41.7%	$3,942 2.6%	$150,598	$150,598	ok
Jul 2024	$277,856	$108,113 38.9%	$3,890 3.6%	$104,223	$104,223	ok
Dec 2022	$311,109	$145,163 46.7%	$3,840 2.6%	$141,323	$141,323	ok
Apr 2024	$412,405	$149,041 36.1%	$3,317 2.2%	$145,724	$145,724	ok
Aug 2021	$303,827	$160,668 52.9%	$3,298 2.1%	$157,371	$157,371	ok
Mar 2023	$444,555	$206,754 46.5%	$3,127 1.5%	$203,627	$203,627	ok
ALL MONTHS	$14,730,015	$6,607,470 44.9%	$182,690 2.8%	$6,424,780

Period	Contracts	Avg sale	On day 1 (deposit)	by month 3	by month 6	by month 12	by month 18	by month 24	Latest
2024 H1	5,708	$2,462	$525 21.3%	31.9%	42.2%	55.8%	59.1%	59.6%	59.8%
2024 H2	5,338	$2,406	$488 20.3%	31.2%	42.4%	56.6%	59.2%	—	59.9%
2025 H1	5,599	$2,630	$511 19.4%	29.0%	38.7%	51.8%	—	—	54.6%
2025 H2	5,383	$2,570	$505 19.6%	28.6%	38.2%	—	—	—	50.5%
2026 H1	5,625	$2,795	$542 19.4%	27.7%	—	—	—	—	35.3%

Month	NYC	FL	ATL	TX	BOS	TN	CHI	Total
Jan 2025	$281,983	$117,644	$80,272	$253,413	$109,441	$60,509	—	$903,263
Feb 2025	$269,472	$129,752	$62,612	$248,958	$97,798	$62,324	—	$870,917
Mar 2025	$311,301	$127,780	$65,470	$270,292	$104,994	$66,591	—	$946,428
Apr 2025	$275,187	$151,863	$46,757	$261,581	$110,772	$77,505	—	$923,665
May 2025	$278,596	$115,517	$34,511	$240,569	$106,624	$86,538	—	$862,356
Jun 2025	$248,974	$121,721	$34,036	$231,246	$115,025	$95,814	—	$846,816
Jul 2025	$253,940	$141,961	$24,004	$228,913	$108,632	$99,085	—	$856,536
Aug 2025	$226,949	$137,958	$18,565	$240,474	$120,846	$104,940	$1,750	$851,482
Sep 2025	$223,930	$129,199	$11,956	$224,743	$110,679	$105,300	$8,121	$813,927
Oct 2025	$226,563	$137,754	$7,349	$241,810	$103,273	$102,495	$21,642	$840,885
Nov 2025	$200,000	$125,933	$8,203	$220,313	$104,658	$98,661	$31,913	$789,680
Dec 2025	$211,199	$133,106	$5,511	$222,697	$106,978	$97,681	$46,822	$823,995
Jan 2026	$200,271	$130,739	$5,708	$224,138	$105,725	$89,277	$58,888	$814,745
Feb 2026	$196,094	$133,103	$4,509	$236,427	$107,311	$94,951	$72,894	$845,289
Mar 2026	$186,940	$140,887	$2,520	$245,767	$104,211	$105,836	$72,850	$859,011
Apr 2026	$176,235	$141,982	$3,831	$243,992	$93,329	$111,273	$90,444	$861,088
May 2026	$165,617	$148,505	$2,713	$242,684	$94,763	$99,048	$92,441	$845,770
Jun 2026	$172,129	$169,415	$2,619	$241,067	$81,979	$104,866	$92,575	$864,650
Jul 2026	$153,711	$163,926	$2,683	$240,000	$96,807	$93,344	$102,263	$852,735
Aug 2026	$139,429	$161,837	$161	$210,437	$93,422	$88,253	$102,230	$795,769
Sep 2026 · part month	$32,610	$39,374	$152	$54,561	$21,236	$20,834	$37,692	$206,458
TOTAL	$4,431,129	$2,799,955	$424,142	$4,824,082	$2,098,503	$1,865,126	$832,525	$17,275,463

Year	City	Finance written	Cash collected that year
2021	NYC	$11,779,547	$4,280,538 36.3%
2021	FL	$3,521,073	$1,648,560 46.8%
2021	ATL	$2,264,866	$444,818 19.6%
2022	NYC	$11,618,542	$5,022,029 43.2%
2022	FL	$2,931,586	$1,624,065 55.4%
2022	ATL	$5,349,495	$2,168,038 40.5%
2023	NYC	$6,705,060	$3,584,067 53.5%
2023	FL	$2,145,513	$1,136,810 53.0%
2023	ATL	$4,054,546	$1,899,231 46.8%
2023	TX	$6,365,451	$1,785,973 28.1%
2023	BOS	$1,202,034	$235,601 19.6%
2024	NYC	$6,344,005	$2,606,775 41.1%
2024	FL	$2,645,915	$1,159,163 43.8%
2024	ATL	$3,061,109	$1,488,552 48.6%
2024	TX	$6,167,855	$2,924,485 47.4%
2024	BOS	$2,195,681	$1,258,562 57.3%
2024	TN	$880,821	$97,416 11.1%
2025	NYC	$5,950,024	$3,008,094 50.6%
2025	FL	$3,294,536	$1,570,188 47.7%
2025	ATL	$0	$399,247 —
2025	TX	$7,216,620	$2,885,008 40.0%
2025	BOS	$2,473,412	$1,299,720 52.5%
2025	TN	$2,836,578	$1,057,445 37.3%
2025	CHI	$1,208,905	$110,248 9.1%
2026	NYC	$2,689,932	$1,423,035 52.9%
2026	FL	$4,244,275	$1,229,768 29.0%
2026	ATL	$0	$24,895 —
2026	TX	$5,011,580	$1,939,074 38.7%
2026	BOS	$1,776,325	$798,783 45.0%
2026	TN	$1,896,411	$807,682 42.6%
2026	CHI	$2,357,378	$722,277 30.6%

Year	City	Sheet — finance written	This report	Difference
2024	New York	$6,331,328.60	$6,344,005.20	$12,676.60 0.20%
2024	Florida	$2,656,516.00	$2,645,915.20	$-10,600.80 -0.40%
2024	TEXAS	$6,175,115.00	$6,167,855.00	$-7,260.00 -0.12%
2024	Boston	$2,196,800.00	$2,195,680.50	$-1,119.50 -0.05%
2025	New York	$5,944,140.19	$5,950,024.17	$5,883.98 0.10%
2025	Florida	$3,293,956.17	$3,294,536.17	$580.00 0.02%
2025	TEXAS	$6,851,841.10	$7,216,619.81	$364,778.71 5.32%
2025	Boston	$2,476,000.00	$2,473,412.00	$-2,588.00 -0.10%

City	2024 sheet	cash in 2024	diff	2025 sheet	cash in 2025	diff
NYC	$2,563,088	$2,606,679	+1.7%	$2,928,728	$3,007,914	+2.7%
Florida	$1,170,022	$1,159,163	−0.9%	$1,572,811	$1,570,454	−0.1%
TX	$2,913,280	$2,924,485	+0.4%	$3,130,565	$2,883,988	−7.9%
Boston	$1,262,618	$1,258,562	−0.3%	$1,393,841	$1,299,720	−6.8%

Finance written vs collected — by the month the sale was made

Debt pattern — the sheet's own layout, rebuilt from the CRM

NYC — New York · $50,706,433 written · 22,819 agreements

FL — Florida + Orlando · $22,108,367 written · 10,103 agreements

ATL — Atlanta · $14,730,015 written · 7,589 agreements

TX — Dallas + Houston · $24,761,506 written · 11,666 agreements

BOS — Boston · $7,648,401 written · 4,050 agreements

TN — Nashville · $5,613,809 written · 2,801 agreements

CHI — Chicago · $3,566,283 written · 1,717 agreements

Finance written each month, by city

Every city, all months combined

Florida — 9,115 agreements, $19,725,172 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Orlando — 995 agreements, $2,383,195 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

New York — 22,821 agreements, $50,706,433 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Dallas — 6,160 agreements, $13,108,660 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Houston — 5,527 agreements, $11,652,847 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Boston — 4,051 agreements, $7,648,401 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Nashville — 2,805 agreements, $5,613,809 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Chicago — 1,721 agreements, $3,566,283 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

Atlanta — 7,589 agreements, $14,730,015 of finance written

Every month of sales — what we wrote, what came in, what we lost, what is left

Collection curve — how the cash came in, month by month after the sale

What should be coming in — next 12 months

Is the collection and outreach effort working?

Chargebacks and refunds — netted out here, not in the curve

What share of the SALE do we actually bank?

Cash collected each month, by city

Written vs collected, per calendar year

Does this tie back?

Against the manual debt sheet ("DEBT Pattern MASTER")

Collected — it ties, once you compare the same thing