Total revenue — Studio 1

Every month of sales — all revenue, not just the financed part

What this is. One row per month of sales. Everything sold that month, what has been banked against it, and what is still out.
How it is worked out. Sales and prices come from the CRM daily sales report; deposits are its Total Deposit column. Instalments are the dated payment lines on each booking’s finance schedule, matched by Reference. Written off and still owed come from the Debtor Ledger. Revenue = banked + written off + overdue + not yet due, and the Check column proves it on every row.
Watch out. This tab counts every sale including ones of $300 or less. The Deposit and KIDS X tabs exclude those.

This is the one report that includes customers who paid in full on the day. They never create a finance agreement, so they are absent from the Debtor Ledger and from /finance-cohort entirely — 8,372 sales worth $18,170,483 since Jan 2024. Here the denominator is all revenue booked and the clock starts at day 1 with the deposit already in. Check proves each row adds up: banked + written off + still owed must equal revenue booked. Faded rows are under 12 months old and have not had time to pay out.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	1,238	303 24.5%	$2,921,321	$1,166,234 39.9%	$851,859 29.2%	$2,018,094 69.1%	$207 0.0%	$696,331 23.8%	$207,195 7.1%	31	ok
Feb 2024	1,196	275 23.0%	$2,847,559	$1,076,820 37.8%	$864,397 30.4%	$1,941,217 68.2%	$0 0.0%	$725,475 25.5%	$183,443 6.4%	30	$-2,577
Mar 2024	1,323	270 20.4%	$3,282,240	$1,128,164 34.4%	$1,002,401 30.5%	$2,130,565 64.9%	$2,094 0.1%	$961,761 29.3%	$186,173 5.7%	29	$1,647
Apr 2024	1,208	264 21.9%	$2,960,795	$1,041,818 35.2%	$919,107 31.0%	$1,960,925 66.2%	$0 0.0%	$843,718 28.5%	$155,383 5.2%	28	ok
May 2024	1,202	287 23.9%	$2,851,730	$1,084,532 38.0%	$887,730 31.1%	$1,972,262 69.2%	$0 0.0%	$737,922 25.9%	$140,837 4.9%	27	ok
Jun 2024	1,167	288 24.7%	$2,738,119	$1,052,133 38.4%	$882,738 32.2%	$1,934,871 70.7%	$0 0.0%	$680,046 24.8%	$125,389 4.6%	26	$-2,186
Jul 2024	1,170	268 22.9%	$2,652,115	$952,679 35.9%	$873,759 32.9%	$1,826,438 68.9%	$135 0.0%	$681,954 25.7%	$140,668 5.3%	25	$2,919
Aug 2024	1,218	287 23.6%	$2,738,180	$1,011,519 36.9%	$834,430 30.5%	$1,845,949 67.4%	$590 0.0%	$763,768 27.9%	$127,161 4.6%	24	ok
Sep 2024	1,195	290 24.3%	$2,789,528	$1,011,414 36.3%	$917,557 32.9%	$1,928,971 69.2%	$0 0.0%	$706,530 25.3%	$149,041 5.3%	23	$4,985
Oct 2024	1,130	242 21.4%	$2,662,736	$902,851 33.9%	$860,486 32.3%	$1,763,337 66.2%	$0 0.0%	$766,462 28.8%	$128,011 4.8%	22	$4,926
Nov 2024	1,050	248 23.6%	$2,620,698	$932,541 35.6%	$829,253 31.6%	$1,761,794 67.2%	$450 0.0%	$726,514 27.7%	$129,842 5.0%	21	$2,099
Dec 2024	923	184 19.9%	$2,321,045	$750,579 32.3%	$758,781 32.7%	$1,509,360 65.0%	$2,532 0.1%	$701,809 30.2%	$102,827 4.4%	20	$4,517
Jan 2025	1,045	218 20.9%	$2,561,048	$848,992 33.2%	$882,101 34.4%	$1,731,093 67.6%	$1,500 0.1%	$709,135 27.7%	$112,102 4.4%	19	$7,217
Feb 2025	1,142	221 19.4%	$3,003,291	$963,833 32.1%	$942,532 31.4%	$1,906,365 63.5%	$65 0.0%	$938,889 31.3%	$152,722 5.1%	18	$5,251
Mar 2025	1,264	231 18.3%	$3,213,827	$1,056,893 32.9%	$911,540 28.4%	$1,968,433 61.2%	$0 0.0%	$1,069,672 33.3%	$168,909 5.3%	17	$6,813
Apr 2025	1,116	177 15.9%	$2,880,321	$879,176 30.5%	$859,610 29.8%	$1,738,786 60.4%	$338 0.0%	$1,013,595 35.2%	$124,072 4.3%	16	$3,531
May 2025	1,129	194 17.2%	$2,886,906	$877,442 30.4%	$786,676 27.2%	$1,664,118 57.6%	$330 0.0%	$1,093,971 37.9%	$128,003 4.4%	15	ok
Jun 2025	1,062	180 16.9%	$2,849,535	$908,430 31.9%	$787,733 27.6%	$1,696,163 59.5%	$996 0.0%	$1,026,882 36.0%	$124,770 4.4%	14	ok
Jul 2025	1,012	192 19.0%	$2,557,060	$844,582 33.0%	$706,996 27.6%	$1,551,578 60.7%	$627 0.0%	$901,198 35.2%	$101,097 4.0%	13	$2,560
Aug 2025	1,220	244 20.0%	$3,106,442	$1,047,398 33.7%	$812,519 26.2%	$1,859,917 59.9%	$3,292 0.1%	$1,133,932 36.5%	$108,153 3.5%	12	ok
Sep 2025	1,100	199 18.1%	$2,666,709	$819,924 30.7%	$750,622 28.1%	$1,570,546 58.9%	$6,484 0.2%	$1,015,622 38.1%	$69,563 2.6%	11	$4,494
Oct 2025	1,137	255 22.4%	$2,867,779	$1,069,008 37.3%	$719,289 25.1%	$1,788,297 62.4%	$57,687 2.0%	$960,519 33.5%	$56,004 2.0%	10	$5,272
Nov 2025	1,117	215 19.2%	$2,926,193	$980,227 33.5%	$706,876 24.2%	$1,687,102 57.7%	$166,652 5.7%	$966,846 33.0%	$93,645 3.2%	9	$11,948
Dec 2025	1,043	241 23.1%	$2,757,877	$1,001,546 36.3%	$561,791 20.4%	$1,563,336 56.7%	$331,972 12.0%	$785,485 28.5%	$70,991 2.6%	8	$6,093
Jan 2026	1,129	299 26.5%	$3,049,939	$1,135,208 37.2%	$602,716 19.8%	$1,737,924 57.0%	$505,459 16.6%	$699,650 22.9%	$96,138 3.2%	7	$10,768
Feb 2026	1,162	265 22.8%	$3,168,601	$1,122,828 35.4%	$534,637 16.9%	$1,657,466 52.3%	$727,171 22.9%	$722,232 22.8%	$52,053 1.6%	6	$9,679
Mar 2026	1,293	286 22.1%	$3,542,272	$1,165,980 32.9%	$481,743 13.6%	$1,647,723 46.5%	$1,021,667 28.8%	$769,863 21.7%	$91,095 2.6%	5	$11,924
Apr 2026	1,080	225 20.8%	$2,993,405	$1,035,821 34.6%	$313,897 10.5%	$1,349,718 45.1%	$1,010,690 33.8%	$546,761 18.3%	$72,080 2.4%	4	$14,156
May 2026	1,353	365 27.0%	$3,611,684	$1,377,219 38.1%	$322,879 8.9%	$1,700,097 47.1%	$1,318,186 36.5%	$484,017 13.4%	$97,006 2.7%	3	$12,377
Jun 2026	1,281	348 27.2%	$3,449,513	$1,317,261 38.2%	$242,363 7.0%	$1,559,624 45.2%	$1,412,522 40.9%	$344,734 10.0%	$121,704 3.5%	2	$10,928
Jul 2026	1,316	363 27.6%	$3,601,209	$1,358,812 37.7%	$153,407 4.3%	$1,512,218 42.0%	$1,701,981 47.3%	$268,435 7.5%	$97,725 2.7%	1	$20,850
Aug 2026	1,278	322 25.2%	$3,409,109	$1,236,232 36.3%	$41,411 1.2%	$1,277,643 37.5%	$1,840,865 54.0%	$184,834 5.4%	$86,225 2.5%	0	$19,542
Sep 2026	492	126 25.6%	$1,337,589	$462,847 34.6%	$280 0.0%	$463,127 34.6%	$837,635 62.6%	$19,127 1.4%	$16,800 1.3%	part month	$900
TOTAL	37,791	8,372 22.2%	$95,826,372	$33,620,940 35.1%	$22,604,117 23.6%	$56,225,057 58.7%	$10,952,126 11.4%	$24,647,687 25.7%	$3,816,825 4.0%

What every column means, and where the number comes from

Month of sale	CRM daily sales report	The month the sale was made. Every figure on the row belongs to the customers who bought that month, however long ago that was — so a row never changes because of what happened in a later month.
Sales	daily sales report, row count	How many sales were made. Anything at or below $300 is excluded everywhere on this page.
Paid in full	Total Deposit ≥ Package Price	Customers who handed over the whole price on the day and never created a finance agreement. They are invisible to the Debtor Ledger, which is why /finance-cohort cannot see them.
Revenue booked	sum of Package Price	The full value of what was sold that month, whether it has been paid or not. This is the denominator for every percentage on the row.
Banked on the day	sum of Total Deposit	Money taken at the point of sale — deposit, or the whole price for a paid-in-full customer. This is cash you already have.
Finance collected	booking payment schedules	Instalments actually taken since, added up from the dated payment lines on each booking. Declined attempts are not counted; chargebacks and refunds are subtracted.
TOTAL BANKED	day 1 + finance collected	Everything in the bank from that month's sales. The percentage is of revenue booked, so it answers "how much of what we sold have we actually got".
Still live (not due yet)	ledger balance, split by term	Money owed whose instalment has not fallen due yet. Worked out per contract from its first due date and the number of payments. A recent month is mostly this, and that is normal, not failure.
Overdue	balance less still-live	Money that was due and did not arrive. This is the number to read on recent months, not "still owed".
Written off	Credits Applied, Debtor Ledger	Debt cancelled outright — discounts, write-offs, settlements. Gone, not merely late.
Age (mo)	calculated	Complete months since the sale. Used to pick the right comparison; the part-elapsed current month never counts.
Check	arithmetic proof	Revenue booked minus banked, written off, overdue and still-live. Should read ok. A few hundred dollars is the CRM rounding each contract to the cent; thousands would mean a contract is being double counted or dropped.

How we are doing compared with how we used to

What this is. The share of all revenue that has been banked, quarter by quarter, so recent quarters can be compared with older ones fairly.
How it is worked out. Each quarter is measured at a matched age: a column only appears once every month in that quarter has that many complete months behind it. That is why the recent quarters have fewer columns rather than worse-looking numbers.
Watch out. The Latest column is NOT comparable across rows — an old quarter has had years and a new one has had weeks. Compare down a single column instead. Ad spend is advertising only — no payroll, no studio costs, no contractors — so “collected per $1” is a marketing return, NOT whether the business made money. And the spend feed stopped after 2026 Q1 when the cost logins lapsed, which is why the newest quarters read “no data” rather than zero.

Share of all revenue booked that has been banked, measured at a matched age so nothing is flattered by extra time. A column only appears once every month in that period is old enough for it.

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	3,757	22.6%	$2,409	37.2%	45.4%	53.3%	63.8%	66.6%	67.1%	67.3%	$6,089,876	0.0%	26.3%	$1,279,695	$4.76
2024 Q2	3,577	23.5%	$2,390	37.2%	45.8%	54.5%	65.8%	68.1%	68.5%	68.6%	$5,868,058	0.0%	26.5%	$1,281,745	$4.58
2024 Q3	3,583	23.6%	$2,283	36.4%	45.1%	54.1%	65.7%	67.8%	68.4%	68.5%	$5,601,359	0.0%	26.3%	$1,398,238	$4.01
2024 Q4	3,103	21.7%	$2,451	34.0%	43.0%	52.1%	63.6%	65.8%	—	66.2%	$5,034,490	0.0%	28.9%	$1,352,373	$3.72
2025 Q1	3,451	19.4%	$2,544	32.7%	41.1%	49.7%	61.2%	63.7%	—	63.9%	$5,605,891	0.0%	31.0%	$1,117,898	$5.01
2025 Q2	3,307	16.7%	$2,606	30.9%	38.7%	46.5%	57.2%	—	—	59.2%	$5,099,066	0.0%	36.4%	$1,021,555	$4.99
2025 Q3	3,332	19.1%	$2,500	32.6%	40.0%	47.8%	58.9%	—	—	59.8%	$4,982,041	0.1%	36.6%	$1,054,768	$4.72
2025 Q4	3,297	21.6%	$2,594	35.7%	42.9%	50.8%	—	—	—	58.9%	$5,038,735	6.5%	31.7%	$1,294,259	$3.89
2026 Q1	3,584	23.7%	$2,723	35.1%	42.1%	49.3%	—	—	—	51.7%	$5,043,113	23.1%	22.5%	partial	—
2026 Q2	3,714	25.3%	$2,707	37.1%	43.3%	—	—	—	—	45.8%	$4,609,439	37.2%	13.7%	no data	—
2026 Q3	3,086	26.3%	$2,705	36.6%	—	—	—	—	—	39.0%	$3,252,988	52.5%	5.7%	no data	—

The same thing per city

New York

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	928	23.6%	$2,331	32.7%	41.1%	49.6%	61.5%	65.2%	65.8%	66.1%	$1,428,829	0.0%	26.9%	$1,279,695	$1.12
2024 Q2	1,007	21.1%	$2,388	31.1%	39.6%	49.0%	62.1%	64.8%	65.3%	65.5%	$1,576,406	0.0%	29.4%	$1,281,745	$1.23
2024 Q3	1,006	21.9%	$2,343	30.6%	39.5%	49.4%	63.2%	65.3%	66.0%	66.1%	$1,557,072	0.0%	28.0%	$1,398,238	$1.11
2024 Q4	860	14.7%	$2,502	26.0%	35.6%	45.7%	59.1%	61.5%	—	61.9%	$1,332,512	0.0%	32.8%	$1,352,373	$0.99
2025 Q1	943	13.9%	$2,420	24.7%	33.6%	42.8%	55.3%	58.1%	—	58.5%	$1,333,908	0.1%	36.0%	$1,117,898	$1.19
2025 Q2	897	16.6%	$2,444	27.3%	35.4%	43.8%	55.1%	—	—	57.5%	$1,260,814	0.0%	38.1%	$1,021,555	$1.23
2025 Q3	799	18.8%	$2,393	30.1%	37.4%	44.9%	55.1%	—	—	56.0%	$1,071,561	0.1%	40.3%	$1,054,768	$1.02
2025 Q4	742	19.8%	$2,531	30.9%	37.5%	45.3%	—	—	—	53.4%	$1,003,532	7.3%	34.1%	$1,294,259	$0.78
2026 Q1	577	25.1%	$2,592	31.8%	38.4%	45.3%	—	—	—	47.9%	$715,659	22.8%	26.2%	partial	—
2026 Q2	521	25.0%	$2,603	31.4%	37.7%	—	—	—	—	40.6%	$549,940	40.9%	14.9%	no data	—
2026 Q3	391	26.3%	$2,925	35.8%	—	—	—	—	—	38.0%	$435,190	53.7%	5.2%	no data	—

Dallas

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	540	16.7%	$2,599	32.3%	40.7%	48.9%	60.1%	62.7%	63.0%	63.3%	$887,936	0.0%	29.1%	$1,279,695	$0.69
2024 Q2	498	19.9%	$2,488	34.5%	43.7%	53.3%	65.6%	68.3%	68.5%	68.6%	$850,422	0.0%	27.2%	$1,281,745	$0.66
2024 Q3	527	14.4%	$2,428	27.0%	37.1%	47.7%	61.6%	64.7%	65.4%	65.4%	$837,464	0.0%	29.0%	$1,398,238	$0.60
2024 Q4	436	21.1%	$2,460	33.5%	41.8%	50.4%	60.2%	62.4%	—	62.7%	$672,500	0.0%	32.7%	$1,352,373	$0.50
2025 Q1	537	15.1%	$2,722	29.1%	36.8%	44.6%	55.0%	57.8%	—	57.9%	$846,156	0.0%	35.5%	$1,117,898	$0.76
2025 Q2	448	14.7%	$2,734	27.6%	34.1%	40.9%	49.7%	—	—	51.5%	$630,445	0.0%	44.3%	$1,021,555	$0.62
2025 Q3	548	13.9%	$2,714	27.3%	34.4%	41.2%	52.3%	—	—	53.3%	$792,483	0.3%	43.1%	$1,054,768	$0.75
2025 Q4	506	21.5%	$2,773	37.8%	44.5%	51.0%	—	—	—	57.4%	$805,152	5.7%	34.3%	$1,294,259	$0.62
2026 Q1	547	29.1%	$2,897	40.2%	46.1%	52.6%	—	—	—	54.8%	$868,225	19.6%	23.7%	partial	—
2026 Q2	524	34.5%	$2,821	47.9%	53.1%	—	—	—	—	55.4%	$818,855	26.5%	14.9%	no data	—
2026 Q3	389	33.7%	$2,542	42.5%	—	—	—	—	—	44.0%	$435,204	41.3%	10.7%	no data	—

Houston

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	520	20.8%	$2,520	41.8%	49.5%	57.8%	69.2%	72.5%	72.9%	73.1%	$958,064	0.0%	22.5%	$1,279,695	$0.75
2024 Q2	460	25.7%	$2,578	44.3%	53.0%	60.6%	70.3%	72.0%	72.3%	72.4%	$858,194	0.0%	23.6%	$1,281,745	$0.67
2024 Q3	464	20.7%	$2,352	41.0%	47.9%	55.9%	66.2%	67.8%	68.6%	68.7%	$749,507	0.0%	27.1%	$1,398,238	$0.54
2024 Q4	449	20.3%	$2,502	38.7%	46.7%	54.2%	63.7%	65.2%	—	65.8%	$738,778	0.0%	29.5%	$1,352,373	$0.55
2025 Q1	484	20.2%	$2,643	36.8%	45.4%	53.6%	63.8%	65.4%	—	65.4%	$836,990	0.0%	31.1%	$1,117,898	$0.75
2025 Q2	523	15.3%	$2,703	33.7%	41.6%	47.8%	56.2%	—	—	58.0%	$819,877	0.1%	38.4%	$1,021,555	$0.80
2025 Q3	490	16.5%	$2,482	31.8%	39.8%	47.3%	58.8%	—	—	59.7%	$726,043	0.1%	36.7%	$1,054,768	$0.69
2025 Q4	437	17.4%	$2,604	33.2%	40.9%	49.0%	—	—	—	56.4%	$641,543	6.6%	35.4%	$1,294,259	$0.50
2026 Q1	493	21.1%	$2,826	31.5%	38.8%	46.3%	—	—	—	48.8%	$679,182	26.2%	21.0%	partial	—
2026 Q2	467	16.1%	$2,781	27.4%	34.8%	—	—	—	—	37.5%	$487,441	45.2%	14.0%	no data	—
2026 Q3	371	12.7%	$2,913	24.4%	—	—	—	—	—	26.4%	$285,438	63.7%	5.1%	no data	—

Florida

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	555	34.1%	$2,273	46.9%	54.5%	62.0%	72.4%	75.3%	75.9%	76.0%	$959,007	0.0%	17.8%	$1,279,695	$0.75
2024 Q2	547	33.8%	$2,224	43.1%	51.9%	60.1%	72.4%	74.6%	75.0%	75.2%	$914,823	0.0%	19.2%	$1,281,745	$0.71
2024 Q3	497	37.6%	$2,331	46.8%	53.9%	60.9%	70.1%	71.9%	72.4%	72.4%	$838,445	0.0%	22.4%	$1,398,238	$0.60
2024 Q4	407	27.8%	$2,731	39.0%	47.2%	55.8%	66.6%	68.9%	—	69.3%	$769,897	0.2%	24.3%	$1,352,373	$0.57
2025 Q1	542	22.3%	$2,778	35.9%	44.4%	53.1%	65.8%	68.4%	—	68.6%	$1,032,404	0.0%	25.6%	$1,117,898	$0.92
2025 Q2	512	20.1%	$2,817	35.6%	43.5%	51.8%	62.7%	—	—	64.4%	$928,142	0.0%	30.2%	$1,021,555	$0.91
2025 Q3	443	27.1%	$2,865	42.8%	49.5%	57.1%	67.3%	—	—	68.0%	$862,958	0.0%	27.6%	$1,054,768	$0.82
2025 Q4	415	31.6%	$2,975	44.8%	51.6%	59.3%	—	—	—	67.2%	$828,988	3.9%	26.4%	$1,294,259	$0.64
2026 Q1	407	28.0%	$2,937	40.4%	48.3%	55.8%	—	—	—	58.1%	$695,018	18.6%	19.9%	partial	—
2026 Q2	410	32.9%	$2,877	42.9%	49.1%	—	—	—	—	51.7%	$609,483	33.8%	11.7%	no data	—
2026 Q3	333	41.7%	$2,799	49.0%	—	—	—	—	—	51.1%	$476,532	41.7%	4.6%	no data	—

Boston

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	453	30.7%	$2,512	48.0%	58.0%	66.6%	76.7%	78.2%	78.5%	78.6%	$893,870	0.0%	15.6%	$1,279,695	$0.70
2024 Q2	387	30.7%	$2,417	47.2%	57.1%	66.9%	77.3%	79.1%	79.3%	79.4%	$742,797	0.0%	15.4%	$1,281,745	$0.58
2024 Q3	408	27.0%	$2,317	42.8%	52.6%	63.1%	75.9%	78.1%	78.6%	78.6%	$742,975	0.0%	16.8%	$1,398,238	$0.53
2024 Q4	377	26.0%	$2,338	36.5%	46.7%	56.2%	68.1%	70.9%	—	71.5%	$629,857	0.0%	23.9%	$1,352,373	$0.47
2025 Q1	499	27.1%	$2,360	40.1%	47.9%	56.9%	67.7%	70.6%	—	70.7%	$832,264	0.0%	23.8%	$1,117,898	$0.74
2025 Q2	500	17.2%	$2,409	33.4%	41.8%	51.1%	64.9%	—	—	67.3%	$810,679	0.1%	28.1%	$1,021,555	$0.79
2025 Q3	358	23.7%	$2,137	36.0%	45.2%	55.4%	70.1%	—	—	71.2%	$544,544	0.0%	28.0%	$1,054,768	$0.52
2025 Q4	311	24.4%	$2,438	37.8%	46.0%	55.7%	—	—	—	65.2%	$493,922	6.5%	25.4%	$1,294,259	$0.38
2026 Q1	330	23.9%	$2,689	36.3%	43.1%	51.1%	—	—	—	53.8%	$477,190	21.7%	21.0%	partial	—
2026 Q2	348	24.1%	$2,521	39.7%	46.2%	—	—	—	—	48.9%	$429,475	33.7%	12.1%	no data	—
2026 Q3	376	25.5%	$2,646	31.9%	—	—	—	—	—	34.7%	$345,575	56.9%	5.1%	no data	—

Nashville

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q3	158	31.6%	$2,361	43.3%	51.1%	59.1%	68.8%	70.0%	70.5%	70.5%	$263,195	0.0%	24.8%	$1,398,238	$0.19
2024 Q4	461	26.7%	$2,349	38.3%	47.5%	56.8%	69.8%	71.5%	—	72.0%	$779,568	0.0%	25.1%	$1,352,373	$0.58
2025 Q1	446	23.3%	$2,403	37.2%	45.5%	53.8%	65.4%	67.4%	—	67.6%	$724,169	0.0%	29.3%	$1,117,898	$0.65
2025 Q2	427	15.7%	$2,667	29.5%	36.9%	44.8%	55.1%	—	—	57.0%	$649,110	0.0%	38.5%	$1,021,555	$0.64
2025 Q3	432	16.2%	$2,499	33.4%	41.1%	49.4%	60.4%	—	—	60.8%	$656,727	0.2%	35.5%	$1,054,768	$0.62
2025 Q4	403	16.1%	$2,290	30.7%	38.7%	46.9%	—	—	—	55.9%	$516,121	8.9%	33.3%	$1,294,259	$0.40
2026 Q1	422	16.6%	$2,598	32.8%	41.7%	49.4%	—	—	—	52.3%	$572,909	25.3%	20.7%	partial	—
2026 Q2	421	23.5%	$2,393	34.5%	41.1%	—	—	—	—	43.8%	$441,593	39.3%	15.5%	no data	—
2026 Q3	332	23.5%	$2,346	35.9%	—	—	—	—	—	38.2%	$297,339	54.9%	5.5%	no data	—

Chicago

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2025 Q3	262	20.2%	$2,294	27.4%	34.2%	41.9%	53.6%	—	—	54.5%	$327,724	0.2%	40.7%	$1,054,768	$0.31
2025 Q4	483	22.2%	$2,520	36.1%	43.3%	52.2%	—	—	—	61.6%	$749,478	7.0%	29.8%	$1,294,259	$0.58
2026 Q1	554	24.4%	$2,367	33.3%	40.0%	47.0%	—	—	—	49.4%	$647,996	24.2%	24.0%	partial	—
2026 Q2	521	24.8%	$2,622	37.8%	43.2%	—	—	—	—	46.1%	$629,974	38.3%	13.4%	no data	—
2026 Q3	421	29.7%	$2,469	39.4%	—	—	—	—	—	42.4%	$441,213	51.1%	4.6%	no data	—

Atlanta

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	761	13.5%	$2,333	29.5%	36.9%	43.0%	50.9%	53.4%	54.0%	54.2%	$962,170	0.1%	39.2%	$1,279,695	$0.75
2024 Q2	678	15.6%	$2,314	32.7%	40.2%	47.3%	56.1%	58.5%	58.8%	59.0%	$925,416	0.0%	35.6%	$1,281,745	$0.72
2024 Q3	523	20.3%	$1,865	36.3%	45.8%	52.7%	60.3%	62.2%	62.7%	62.8%	$612,700	0.0%	32.3%	$1,398,238	$0.44
2024 Q4	113	27.4%	$1,605	34.2%	46.0%	54.6%	60.9%	61.4%	—	61.4%	$111,380	0.2%	30.1%	$1,352,373	$0.08

Orlando

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2026 Q1	254	17.3%	$3,139	34.2%	40.9%	47.4%	—	—	—	48.5%	$386,933	28.6%	20.9%	partial	—
2026 Q2	502	20.9%	$2,971	35.0%	41.2%	—	—	—	—	43.1%	$642,679	39.8%	12.6%	no data	—
2026 Q3	473	19.5%	$2,937	36.0%	—	—	—	—	—	38.6%	$536,497	54.5%	4.8%	no data	—

Which way is it going?

What this is. The share of each month’s revenue that had been banked by every point in its life — day 1, then by month 2, 3, 4 and so on to month 12 — plotted against the month of sale. Twelve lines rather than four, so a recent month appears on as many of them as it has actually lived.
How it is worked out. A raw “% collected” line would be worthless: an old month has had two years to collect and a new one three weeks, so it would slope downwards whatever the business did. Every line here is age-matched — each point answers “how much of that month’s revenue was in the bank by month N”. Sales over $300, all cities, paid-in-full included.
Watch out. Each line stops where cohorts run out of runway, so the fan gets shorter as you go down it — the month-12 line ends in Aug 2025, while day 1 runs to last month. The long lines are still measuring 2025 and cannot yet see what the short ones show.

■ Day 1 (month 1)■ By month 2■ By month 3■ By month 4■ By month 5■ By month 6■ By month 7■ By month 8■ By month 9■ By month 10■ By month 11■ By month 12

Up, down or sideways

The average of the last six readable months against the six before them, at every age. Anything inside half a point is called sideways rather than dressed up as a direction. The short ages carry the most recent data; the long ones are still reading 2025, which is why they disagree.

Measured at	Previous 6 months	Last 6 months	Change	Verdict
Day 1 (month 1)	35.5%	36.7%	+1.2pp	UP
By month 2	38.9%	39.8%	+0.9pp	UP
By month 3	41.4%	42.7%	+1.3pp	UP
By month 4	43.6%	45.0%	+1.3pp	UP
By month 5	45.6%	47.0%	+1.4pp	UP
By month 6	47.1%	50.1%	+3.0pp	UP
By month 7	49.5%	52.5%	+3.0pp	UP
By month 8	52.0%	54.3%	+2.3pp	UP
By month 9	54.7%	55.6%	+0.9pp	UP
By month 10	57.4%	56.8%	-0.5pp	DOWN
By month 11	60.6%	57.8%	-2.8pp	DOWN
By month 12	62.5%	58.0%	-4.5pp	DOWN

The same thing in money

What this is. Identical fan, but the actual dollars banked from each month’s sales rather than the share. The dashed grey line is the revenue written that month, so the gap between it and the top line is what has not arrived yet.
How it is worked out. Same age-matching — each point is "how much money from that month was in the bank by month N". Nothing is adjusted for inflation or for the month being bigger.
Watch out. This is the chart that answers “are we collecting more money”, and it can point the OPPOSITE way to the percentage chart above. A smaller share of a much bigger month is more money. Both are true; they answer different questions.

- - Revenue written■ Day 1 (month 1)■ By month 2■ By month 3■ By month 4■ By month 5■ By month 6■ By month 7■ By month 8■ By month 9■ By month 10■ By month 11■ By month 12

Up, down or sideways — on the money

Measured at	Previous 6 months	Last 6 months	Change	Verdict
Day 1 (month 1)	$1,035,104	$1,262,699	+22.0%	UP
By month 2	$1,127,959	$1,352,481	+19.9%	UP
By month 3	$1,166,216	$1,410,447	+20.9%	UP
By month 4	$1,235,727	$1,432,741	+15.9%	UP
By month 5	$1,287,805	$1,440,793	+11.9%	UP
By month 6	$1,331,518	$1,526,212	+14.6%	UP
By month 7	$1,444,138	$1,527,125	+5.7%	UP
By month 8	$1,508,044	$1,572,210	+4.3%	UP
By month 9	$1,584,193	$1,564,003	-1.3%	DOWN
By month 10	$1,608,152	$1,608,119	-0.0%	SIDEWAYS
By month 11	$1,671,524	$1,632,290	-2.3%	DOWN
By month 12	$1,702,044	$1,639,066	-3.7%	DOWN

1. Average payment taken per sale, each month

What this is. The average cash actually taken on the day, per sale, for every sale over $300. The grey line is the average sale value alongside it, so you can see whether more cash is coming from bigger tickets or from taking a bigger slice of the same ticket.
How it is worked out. Money banked on the day that month, divided by the number of sales. No age-matching needed — the deposit is known the moment the sale is made. The current part-month is excluded.
Watch out. A paid-in-full customer contributes their whole price here, so this line moves with the paid-in-full rate as much as with deposit size.

■ Avg cash taken on the day■ Avg sale value

Last six months $984 against $916 for the six before — +7.5%.

2. What share of people pay in full

What this is. The percentage of that month’s sales where the customer handed over the whole price on the day and never took finance.
How it is worked out. Sales whose deposit covers the full price, over all sales that month. Sales over $300 only — including the small ones puts this line about 15 points too high, because nearly every $67 add-on is technically paid in full.
Watch out. This is the single line that explains the recovery. It bottoms in spring 2025 and climbs from there.

■ Paid in full, % of sales

Last six months 25.0% against 22.0% for the six before — +13.4%.

3. Paid-in-full money, each month

What this is. The total value of the sales paid in full that month, and below it the average ticket of those sales.
How it is worked out. Sum and mean of the price on every sale whose deposit covered it. This money carries no collection risk at all — it is banked the day it is sold.
Watch out. Watch the average ticket against the share above. If the share rises while the ticket falls, you are discounting to get people to pay outright. If both hold, you are not.

■ Paid-in-full total

■ Average paid-in-full sale

Last six months $726,146 against $567,053 for the six before — +28.1%.

Down through 2025, bottomed in May, and rising now. Every line makes the same U. Day one fell from 40.5% in Jan 2024 to 30.7% in May 2025 and is back to 38.3%. By month 3: 47.9% to 37.9% and back to 44.5%. By month 6: 55.5% to 45.5% and back to 52.5%. The month-12 line still reads DOWN only because its newest readable month is Aug 2025 — it is measuring the trough, not the present. It should turn as the 2026 cohorts mature.

Month by month — every month's own collection pattern

What this is. One row per month of sales, and one column per month of its life. Each cell is the share of that month’s total revenue banked in that month. Read a column straight down and you see the trend at that exact age, with nothing distorted by some months having had longer.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are included — which is the difference from the same grid on /finance-cohort, where the denominator is finance only. The $300 floor applies. Month 1 is the month of the sale and includes the deposit, which is why it dwarfs every other cell. Dots mean that month has not reached that age yet, not a zero.
Watch out. The AVERAGE row uses settled months only — a two-month-old row has no month 9 to contribute, so including it would drag the later columns down.

The violet cells have not happened. Any month a cell has not lived through yet is filled with the rate the three most recent months that HAVE reached that age actually achieved — deliberately today’s performance rather than a long-run average, so if collections move the forecast moves with them. Collected to date is what has actually arrived, at whatever stage that month has reached — the Age column tells you which stage. Forecast total is where it ends up if things carry on exactly as they are now. It is capped at the revenue booked, so nothing can be forecast to pay more than it owes.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$2,921,321	40.45%	4.19%	3.22%	3.06%	2.49%	2.13%	2.09%	1.84%	1.77%	1.49%	1.43%	1.16%	2.71%	$2,018,094	69.1%	$2,018,094	69.1%	31
Feb 2024	$2,847,559	38.47%	4.06%	3.45%	3.01%	2.59%	2.30%	2.19%	2.03%	1.99%	1.82%	1.54%	1.30%	2.23%	$1,941,126	68.2%	$1,941,126	68.2%	30
Mar 2024	$3,282,240	35.08%	4.14%	3.55%	2.79%	2.60%	2.52%	2.17%	2.10%	1.90%	1.69%	1.68%	1.28%	2.29%	$2,130,565	64.9%	$2,130,565	64.9%	29
Apr 2024	$2,960,795	35.83%	4.36%	3.31%	2.87%	2.66%	2.57%	2.40%	2.05%	1.85%	1.85%	1.50%	1.41%	2.32%	$1,960,610	66.2%	$1,960,610	66.2%	28
May 2024	$2,851,730	38.59%	4.43%	3.70%	3.07%	2.87%	2.68%	2.43%	2.17%	2.06%	1.81%	1.81%	0.90%	1.88%	$1,972,200	69.2%	$1,972,200	69.2%	27
Jun 2024	$2,738,119	39.00%	4.59%	3.78%	3.25%	3.10%	2.90%	2.58%	2.23%	2.08%	2.06%	1.90%	0.90%	1.70%	$1,934,848	70.7%	$1,934,848	70.7%	26
Jul 2024	$2,652,115	36.09%	4.51%	3.52%	3.38%	3.05%	2.80%	2.86%	2.46%	2.22%	1.99%	1.95%	0.92%	2.38%	$1,825,949	68.8%	$1,825,949	68.8%	25
Aug 2024	$2,738,180	37.24%	4.45%	3.73%	3.36%	2.97%	2.61%	2.29%	2.18%	1.95%	1.78%	1.60%	0.76%	1.78%	$1,845,899	67.4%	$1,845,899	67.4%	24
Sep 2024	$2,789,528	36.92%	5.03%	3.70%	3.10%	2.91%	2.82%	2.65%	2.36%	2.01%	2.07%	1.89%	0.98%	1.97%	$1,928,516	69.1%	$1,928,516	69.1%	23
Oct 2024	$2,662,736	34.71%	4.71%	3.52%	3.55%	2.91%	2.88%	2.57%	2.22%	2.20%	2.00%	1.67%	0.91%	1.76%	$1,763,137	66.2%	$1,763,137	66.2%	22
Nov 2024	$2,620,698	36.13%	4.56%	3.97%	3.19%	2.97%	2.58%	2.38%	2.06%	2.03%	2.00%	1.61%	0.89%	2.16%	$1,761,694	67.2%	$1,761,694	67.2%	21
Dec 2024	$2,321,045	32.80%	4.58%	3.90%	3.43%	2.93%	2.80%	2.53%	2.36%	2.34%	1.98%	1.95%	1.01%	1.68%	$1,509,330	65.0%	$1,509,330	65.0%	20
Jan 2025	$2,561,048	33.61%	4.39%	4.12%	3.64%	2.83%	2.69%	2.57%	2.80%	2.33%	2.40%	2.00%	1.05%	2.18%	$1,730,859	67.6%	$1,730,859	67.6%	19
Feb 2025	$3,003,291	32.44%	4.57%	3.94%	3.31%	2.98%	2.68%	2.43%	2.20%	2.14%	1.81%	1.77%	0.88%	1.66%	$1,905,440	63.4%	$1,905,440	63.4%	18
Mar 2025	$3,213,827	33.28%	3.97%	3.14%	2.76%	2.71%	2.27%	2.16%	2.30%	1.85%	1.75%	1.53%	0.94%	1.74%	$1,966,891	61.2%	$1,966,891	61.2%	17
Apr 2025	$2,880,321	31.22%	4.28%	3.53%	3.02%	2.63%	2.41%	2.28%	2.26%	1.97%	1.87%	1.71%	0.92%	1.39%	$1,737,753	60.3%	$1,737,753	60.3%	16
May 2025	$2,886,906	30.71%	3.87%	3.30%	2.72%	2.52%	2.38%	2.18%	1.84%	1.85%	1.68%	1.66%	0.95%	1.24%	$1,662,595	57.6%	$1,662,595	57.6%	15
Jun 2025	$2,849,535	32.01%	3.78%	3.40%	2.94%	2.61%	2.24%	2.19%	2.04%	1.95%	1.71%	1.83%	1.02%	1.47%	$1,694,336	59.5%	$1,706,755	59.9%	14
Jul 2025	$2,557,060	33.55%	3.81%	3.14%	2.78%	2.40%	2.32%	2.22%	2.31%	2.07%	1.82%	1.69%	1.05%	1.47%	$1,548,582	60.6%	$1,569,659	61.4%	13
Aug 2025	$3,106,442	34.25%	3.73%	3.11%	2.41%	2.52%	2.33%	2.01%	1.95%	2.00%	1.82%	1.62%	1.23%	1.47%	$1,855,497	59.7%	$1,896,716	61.1%	12
Sep 2025	$2,666,709	30.99%	3.94%	3.34%	3.18%	2.80%	2.66%	2.51%	2.37%	2.28%	1.87%	1.74%	1.00%	1.47%	$1,565,094	58.7%	$1,604,272	60.2%	11
Oct 2025	$2,867,779	37.85%	3.33%	3.21%	2.90%	2.55%	2.51%	2.32%	2.09%	1.97%	1.86%	1.51%	1.10%	1.47%	$1,780,677	62.1%	$1,854,375	64.7%	10
Nov 2025	$2,926,193	34.11%	3.95%	3.23%	2.95%	2.53%	2.53%	2.22%	2.08%	1.89%	1.57%	1.62%	1.10%	1.47%	$1,669,554	57.1%	$1,792,076	61.2%	9
Dec 2025	$2,757,877	36.51%	3.21%	3.20%	3.04%	2.59%	2.26%	1.98%	1.92%	1.55%	1.76%	1.62%	1.10%	1.47%	$1,551,366	56.3%	$1,715,463	62.2%	8
Jan 2026	$3,049,939	37.88%	3.64%	3.24%	2.71%	2.58%	2.42%	2.30%	1.72%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,722,537	56.5%	$1,959,185	64.2%	7
Feb 2026	$3,168,601	35.92%	3.66%	3.08%	2.79%	2.43%	2.18%	1.83%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,643,709	51.9%	$1,949,850	61.5%	6
Mar 2026	$3,542,272	33.23%	3.27%	2.92%	2.43%	2.11%	1.96%	2.03%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,626,654	45.9%	$2,040,917	57.6%	5
Apr 2026	$2,993,405	34.98%	2.63%	2.59%	2.34%	2.13%	2.17%	2.03%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,337,187	44.7%	$1,752,305	58.5%	4
May 2026	$3,611,684	38.51%	3.25%	2.70%	2.22%	2.22%	2.17%	2.03%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,685,753	46.7%	$2,266,840	62.8%	3
Jun 2026	$3,449,513	38.74%	3.24%	2.68%	2.33%	2.22%	2.17%	2.03%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,540,591	44.7%	$2,175,835	63.1%	2
Jul 2026	$3,601,209	38.06%	3.20%	2.66%	2.33%	2.22%	2.17%	2.03%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,485,712	41.3%	$2,244,697	62.3%	1
Aug 2026	$3,409,109	36.78%	3.23%	2.66%	2.33%	2.22%	2.17%	2.03%	1.90%	1.81%	1.76%	1.62%	1.10%	1.47%	$1,253,961	36.8%	$2,082,505	61.1%	0
AVERAGE (settled months)	$56,444,495	35.12%	4.29%	3.54%	3.07%	2.76%	2.54%	2.35%	2.18%	2.02%	1.86%	1.71%	1.03%	1.74%	$36,710,235	65.0%
ALL MONTHS (excl. the part month)	$94,488,783														$55,556,715	58.8%	$60,511,959	64.0%

Does the deposit predict whether they pay?

What this is. Every sale banded by how big a deposit was taken, then followed forward to see what share of the sale came back. It tests the theory that the customers who pay in full are the good ones, leaving a weaker book behind on finance.
How it is worked out. Deposit divided by sale price puts each sale in a band. Every band is then measured at a matched 12 complete months, so no band is flattered by having had longer. Deposit comes from the CRM daily sales report; the instalments are the dated payment lines on each booking schedule. Sales of $300 or less are excluded — 10,039 of them, 21.6% of the count but 0.7% of the value, averaging $67.
Watch out. Correlation, not proof of cause. A customer who can put 33% down is probably better off to begin with, so the deposit may be a symptom of who they are rather than the reason they pay.

Deposit taken	Sales	Avg sale	Deposit % of sale	Finance collected by m12	TOTAL banked by m12	Still owed
Under 10%	70	$2,336	3.0%	15.0%	17.5%	35.5%
10–15%	6,175	$2,532	11.9%	30.3%	38.7%	51.9%
15–20%	3,691	$2,337	16.3%	42.5%	51.8%	39.0%
20–25%	5,008	$2,737	20.9%	47.1%	58.1%	32.4%
25–33%	2,249	$2,583	26.8%	56.5%	68.2%	23.2%
33–50%	1,009	$2,384	37.8%	63.2%	77.1%	15.8%
50–99%	844	$2,633	54.6%	72.5%	87.5%	8.3%
Paid in full	5,062	$2,082	100.0%	0.0%	100.0%	0.0%

The deposit predicts payment almost perfectly — and the mix has moved the wrong way. A 10–15% deposit returns 30.4% of its finance in the first year; a 20–25% deposit returns 47.3%. Half the 10–15% book is still outstanding at twelve months against a third of the 20–25% book. Meanwhile the 10–15% band has grown from 14.9% of sales in 2024 Q1 to 27.9%, and 20–25% has collapsed from 20.2% to 7.7%. Applying each band's proven rate to both mixes, that drift costs about 1.9 points of revenue, roughly $758k a year — smaller than it looks only because paid-in-full rose at the same time and those bank everything.

How the deposit mix has drifted

What this is. The share of sales landing in each deposit band, quarter by quarter.
How it is worked out. Count of sales in each band divided by all sales that quarter, sales over $300 only. No maturity filter — this is about what was sold, not what came back.

Quarter	Sales	Under 10%	10–15%	15–20%	20–25%	25–33%	33–50%	50–99%	Paid in full
2024 Q1	3,757	0.3%	18.1%	11.6%	27.6%	11.1%	4.8%	3.9%	22.6%
2024 Q2	3,577	0.4%	20.0%	15.2%	23.1%	9.0%	4.8%	4.0%	23.5%
2024 Q3	3,583	0.3%	17.3%	14.3%	26.3%	10.8%	4.4%	3.1%	23.6%
2024 Q4	3,103	0.3%	27.5%	16.7%	18.8%	8.4%	3.6%	2.8%	21.7%
2025 Q1	3,451	0.2%	30.8%	17.0%	16.9%	8.8%	3.7%	3.2%	19.4%
2025 Q2	3,307	0.2%	33.1%	18.0%	16.8%	8.0%	3.7%	3.7%	16.7%
2025 Q3	3,332	0.3%	34.5%	15.1%	14.5%	8.8%	4.1%	3.6%	19.1%
2025 Q4	3,297	0.4%	35.9%	14.2%	11.3%	8.5%	4.1%	4.0%	21.6%
2026 Q1	3,584	0.5%	37.6%	12.7%	8.9%	8.5%	3.8%	4.3%	23.7%
2026 Q2	3,714	0.2%	34.9%	12.7%	8.3%	9.2%	4.8%	4.6%	25.3%
2026 Q3	3,086	0.2%	36.5%	13.2%	7.4%	7.4%	4.8%	4.3%	26.3%

KIDS X — is it making a difference?

What this is. KIDS X sales over the last six complete months, against adult sales over the same months, measured at the same ages.
How it is worked out. KIDS X is any marketing code containing KIDSX. Adults are every sale whose code contains no KIDS at all — the older plain #CITYKIDS codes are a different product and are excluded from both sides. Window is Mar 2026 to Aug 2026, sales over $300. Each row only counts sales with that many complete months behind them.
Watch out. KIDS X barely existed before May 2026 — 54 sales in April, then 395, 458 and 391. Anything measured at four months or more is only the April pilot batch and is too small to read, which is why those rows are not shown.

Measured at	KIDS X						Adults						Gap
	Sales	Avg sale	Paid in full	Day 1	Instalments	Banked	Sales	Avg sale	Paid in full	Day 1	Instalments	Banked	Banked
2 months	1,299	$2,848	33.6%	41.9%	3.6%	45.5%	4,911	$2,682	22.6%	34.6%	3.5%	38.2%	+7.3pp
3 months	906	$2,836	33.7%	41.8%	5.8%	47.6%	3,989	$2,683	22.0%	34.4%	6.4%	40.7%	+6.9pp
4 months	449	$2,869	34.5%	41.5%	7.5%	49.0%	3,165	$2,697	21.5%	34.0%	8.7%	42.7%	+6.3pp

First and second instalment — did they actually start paying?

What this is. Of the customers who took finance, the share who made their first instalment, and the share who made a second.
How it is worked out. Paid-in-full customers are excluded — they have no instalments to make. First payment = at least one instalment landed by month 2; second = at least two by month 3. The first instalment falls due a median of 31 days after the sale, so month 2 is its first real chance. Both are measured in a fixed window, so an old quarter that has had two years cannot beat a new one simply by having had longer.
Watch out. A quarter only appears once every month in it has reached that window, which is why the newest quarters are blank rather than low.

Quarter	Adults			KIDS X
	Financed	Made 1st	Made 2nd	Financed	Made 1st	Made 2nd
2024 Q1	2,909	68.7%	52.8%	—	—	—
2024 Q2	2,738	68.7%	52.9%	—	—	—
2024 Q3	2,738	66.7%	51.2%	—	—	—
2024 Q4	2,429	69.5%	52.5%	—	—	—
2025 Q1	2,781	67.7%	52.0%	—	—	—
2025 Q2	2,756	64.1%	46.8%	—	—	—
2025 Q3	2,673	61.9%	45.8%	—	—	—
2025 Q4	2,557	65.9%	51.8%	—	—	—
2026 Q1	2,630	68.8%	51.9%	—	—	—
2026 Q2	2,145	64.4%	48.7%	601	68.4%	48.0%
2026 Q3	0	—	—	0	—	—

Ahead on cash, level or slightly behind on payment. KIDS X banks about 6 points more of the sale in the first two to three months. Every bit of that is money taken on the day: a third pay in full against a fifth of adults, and the deposit runs about 41% of the sale against 34%. Look at the instalment columns and the picture reverses — of the finance actually written, KIDS X customers have paid slightly less than adults by the same age. They close harder; they do not pay better.

Lost payments — written off, and still owed

What this is. Money booked as revenue that has not arrived: cancelled outright, or still outstanding.
How it is worked out. Written off is Credits Applied on the Debtor Ledger. Still owed is its Balance Outstanding, split into instalments not yet due and genuinely overdue using each contract’s first due date and planned term.
Watch out. A young quarter always looks bad here because most of its money has not fallen due yet. Read the Overdue column, not Still owed.

Written off is debt cancelled outright and gone. Still owed is the balance outstanding — some of it will arrive, and on the settled cohorts most of what is still owed at 24 months never does. Both are shown against total revenue booked, so a paid-in-full customer correctly dilutes them.

Period	Sales	Revenue booked	Written off	Still owed	Not banked
2024 Q1	3,757	$9,051,119	$576,812 6.4%	$2,381,443 26.3%	$2,958,255 32.7%
2024 Q2	3,577	$8,550,644	$421,608 4.9%	$2,257,490 26.4%	$2,679,098 31.3%
2024 Q3	3,583	$8,179,823	$416,871 5.1%	$2,150,334 26.3%	$2,567,205 31.4%
2024 Q4	3,103	$7,604,479	$360,680 4.7%	$2,194,093 28.9%	$2,554,773 33.6%
2025 Q1	3,451	$8,778,166	$433,733 4.9%	$2,716,891 31.0%	$3,150,624 35.9%
2025 Q2	3,307	$8,616,762	$376,845 4.4%	$3,134,319 36.4%	$3,511,164 40.7%
2025 Q3	3,332	$8,330,211	$278,813 3.3%	$3,060,283 36.7%	$3,339,096 40.1%
2025 Q4	3,297	$8,551,849	$220,640 2.6%	$3,268,442 38.2%	$3,489,081 40.8%
2026 Q1	3,584	$9,760,812	$239,285 2.5%	$4,445,946 45.5%	$4,685,231 48.0%
2026 Q2	3,714	$10,054,601	$290,789 2.9%	$5,116,910 50.9%	$5,407,699 53.8%
2026 Q3	3,086	$8,347,907	$200,750 2.4%	$4,852,871 58.1%	$5,053,621 60.5%

Month by month

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	1,238	303 24.5%	$2,921,321	$1,166,234 39.9%	$851,859 29.2%	$2,018,094 69.1%	$207 0.0%	$696,331 23.8%	$207,195 7.1%	31	ok
Feb 2024	1,196	275 23.0%	$2,847,559	$1,076,820 37.8%	$864,397 30.4%	$1,941,217 68.2%	$0 0.0%	$725,475 25.5%	$183,443 6.4%	30	$-2,577
Mar 2024	1,323	270 20.4%	$3,282,240	$1,128,164 34.4%	$1,002,401 30.5%	$2,130,565 64.9%	$2,094 0.1%	$961,761 29.3%	$186,173 5.7%	29	$1,647
Apr 2024	1,208	264 21.9%	$2,960,795	$1,041,818 35.2%	$919,107 31.0%	$1,960,925 66.2%	$0 0.0%	$843,718 28.5%	$155,383 5.2%	28	ok
May 2024	1,202	287 23.9%	$2,851,730	$1,084,532 38.0%	$887,730 31.1%	$1,972,262 69.2%	$0 0.0%	$737,922 25.9%	$140,837 4.9%	27	ok
Jun 2024	1,167	288 24.7%	$2,738,119	$1,052,133 38.4%	$882,738 32.2%	$1,934,871 70.7%	$0 0.0%	$680,046 24.8%	$125,389 4.6%	26	$-2,186
Jul 2024	1,170	268 22.9%	$2,652,115	$952,679 35.9%	$873,759 32.9%	$1,826,438 68.9%	$135 0.0%	$681,954 25.7%	$140,668 5.3%	25	$2,919
Aug 2024	1,218	287 23.6%	$2,738,180	$1,011,519 36.9%	$834,430 30.5%	$1,845,949 67.4%	$590 0.0%	$763,768 27.9%	$127,161 4.6%	24	ok
Sep 2024	1,195	290 24.3%	$2,789,528	$1,011,414 36.3%	$917,557 32.9%	$1,928,971 69.2%	$0 0.0%	$706,530 25.3%	$149,041 5.3%	23	$4,985
Oct 2024	1,130	242 21.4%	$2,662,736	$902,851 33.9%	$860,486 32.3%	$1,763,337 66.2%	$0 0.0%	$766,462 28.8%	$128,011 4.8%	22	$4,926
Nov 2024	1,050	248 23.6%	$2,620,698	$932,541 35.6%	$829,253 31.6%	$1,761,794 67.2%	$450 0.0%	$726,514 27.7%	$129,842 5.0%	21	$2,099
Dec 2024	923	184 19.9%	$2,321,045	$750,579 32.3%	$758,781 32.7%	$1,509,360 65.0%	$2,532 0.1%	$701,809 30.2%	$102,827 4.4%	20	$4,517
Jan 2025	1,045	218 20.9%	$2,561,048	$848,992 33.2%	$882,101 34.4%	$1,731,093 67.6%	$1,500 0.1%	$709,135 27.7%	$112,102 4.4%	19	$7,217
Feb 2025	1,142	221 19.4%	$3,003,291	$963,833 32.1%	$942,532 31.4%	$1,906,365 63.5%	$65 0.0%	$938,889 31.3%	$152,722 5.1%	18	$5,251
Mar 2025	1,264	231 18.3%	$3,213,827	$1,056,893 32.9%	$911,540 28.4%	$1,968,433 61.2%	$0 0.0%	$1,069,672 33.3%	$168,909 5.3%	17	$6,813
Apr 2025	1,116	177 15.9%	$2,880,321	$879,176 30.5%	$859,610 29.8%	$1,738,786 60.4%	$338 0.0%	$1,013,595 35.2%	$124,072 4.3%	16	$3,531
May 2025	1,129	194 17.2%	$2,886,906	$877,442 30.4%	$786,676 27.2%	$1,664,118 57.6%	$330 0.0%	$1,093,971 37.9%	$128,003 4.4%	15	ok
Jun 2025	1,062	180 16.9%	$2,849,535	$908,430 31.9%	$787,733 27.6%	$1,696,163 59.5%	$996 0.0%	$1,026,882 36.0%	$124,770 4.4%	14	ok
Jul 2025	1,012	192 19.0%	$2,557,060	$844,582 33.0%	$706,996 27.6%	$1,551,578 60.7%	$627 0.0%	$901,198 35.2%	$101,097 4.0%	13	$2,560
Aug 2025	1,220	244 20.0%	$3,106,442	$1,047,398 33.7%	$812,519 26.2%	$1,859,917 59.9%	$3,292 0.1%	$1,133,932 36.5%	$108,153 3.5%	12	ok
Sep 2025	1,100	199 18.1%	$2,666,709	$819,924 30.7%	$750,622 28.1%	$1,570,546 58.9%	$6,484 0.2%	$1,015,622 38.1%	$69,563 2.6%	11	$4,494
Oct 2025	1,137	255 22.4%	$2,867,779	$1,069,008 37.3%	$719,289 25.1%	$1,788,297 62.4%	$57,687 2.0%	$960,519 33.5%	$56,004 2.0%	10	$5,272
Nov 2025	1,117	215 19.2%	$2,926,193	$980,227 33.5%	$706,876 24.2%	$1,687,102 57.7%	$166,652 5.7%	$966,846 33.0%	$93,645 3.2%	9	$11,948
Dec 2025	1,043	241 23.1%	$2,757,877	$1,001,546 36.3%	$561,791 20.4%	$1,563,336 56.7%	$331,972 12.0%	$785,485 28.5%	$70,991 2.6%	8	$6,093
Jan 2026	1,129	299 26.5%	$3,049,939	$1,135,208 37.2%	$602,716 19.8%	$1,737,924 57.0%	$505,459 16.6%	$699,650 22.9%	$96,138 3.2%	7	$10,768
Feb 2026	1,162	265 22.8%	$3,168,601	$1,122,828 35.4%	$534,637 16.9%	$1,657,466 52.3%	$727,171 22.9%	$722,232 22.8%	$52,053 1.6%	6	$9,679
Mar 2026	1,293	286 22.1%	$3,542,272	$1,165,980 32.9%	$481,743 13.6%	$1,647,723 46.5%	$1,021,667 28.8%	$769,863 21.7%	$91,095 2.6%	5	$11,924
Apr 2026	1,080	225 20.8%	$2,993,405	$1,035,821 34.6%	$313,897 10.5%	$1,349,718 45.1%	$1,010,690 33.8%	$546,761 18.3%	$72,080 2.4%	4	$14,156
May 2026	1,353	365 27.0%	$3,611,684	$1,377,219 38.1%	$322,879 8.9%	$1,700,097 47.1%	$1,318,186 36.5%	$484,017 13.4%	$97,006 2.7%	3	$12,377
Jun 2026	1,281	348 27.2%	$3,449,513	$1,317,261 38.2%	$242,363 7.0%	$1,559,624 45.2%	$1,412,522 40.9%	$344,734 10.0%	$121,704 3.5%	2	$10,928
Jul 2026	1,316	363 27.6%	$3,601,209	$1,358,812 37.7%	$153,407 4.3%	$1,512,218 42.0%	$1,701,981 47.3%	$268,435 7.5%	$97,725 2.7%	1	$20,850
Aug 2026	1,278	322 25.2%	$3,409,109	$1,236,232 36.3%	$41,411 1.2%	$1,277,643 37.5%	$1,840,865 54.0%	$184,834 5.4%	$86,225 2.5%	0	$19,542
Sep 2026	492	126 25.6%	$1,337,589	$462,847 34.6%	$280 0.0%	$463,127 34.6%	$837,635 62.6%	$19,127 1.4%	$16,800 1.3%	part month	$900
TOTAL	37,791	8,372 22.2%	$95,826,372	$33,620,940 35.1%	$22,604,117 23.6%	$56,225,057 58.7%	$10,952,126 11.4%	$24,647,687 25.7%	$3,816,825 4.0%

New York — 8,671 sales, $21,335,979 booked

1,732 of them (20.0%) paid in full on the day, worth $3,014,800.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	300	78 26.0%	$691,971	$244,939 35.4%	$229,232 33.1%	$474,172 68.5%	$0 0.0%	$159,556 23.1%	$58,859 8.5%	31	$-615
Feb 2024	306	76 24.8%	$674,859	$223,514 33.1%	$210,014 31.1%	$433,528 64.2%	$0 0.0%	$197,495 29.3%	$45,057 6.7%	30	$-1,221
Mar 2024	322	65 20.2%	$795,998	$238,873 30.0%	$282,257 35.5%	$521,130 65.5%	$0 0.0%	$225,562 28.3%	$49,409 6.2%	29	ok
Apr 2024	317	71 22.4%	$773,321	$248,142 32.1%	$247,179 32.0%	$495,321 64.1%	$0 0.0%	$237,563 30.7%	$40,938 5.3%	28	$-501
May 2024	363	76 20.9%	$838,858	$265,433 31.6%	$288,324 34.4%	$553,757 66.0%	$0 0.0%	$239,594 28.6%	$45,782 5.5%	27	ok
Jun 2024	327	65 19.9%	$792,791	$233,882 29.5%	$293,447 37.0%	$527,329 66.5%	$0 0.0%	$229,470 28.9%	$36,388 4.6%	26	$-397
Jul 2024	339	78 23.0%	$793,144	$239,361 30.2%	$295,864 37.3%	$535,225 67.5%	$0 0.0%	$211,385 26.7%	$46,613 5.9%	25	ok
Aug 2024	358	77 21.5%	$823,056	$249,460 30.3%	$267,338 32.5%	$516,798 62.8%	$0 0.0%	$259,063 31.5%	$47,075 5.7%	24	ok
Sep 2024	309	65 21.0%	$740,396	$232,812 31.4%	$272,238 36.8%	$505,049 68.2%	$0 0.0%	$189,672 25.6%	$46,327 6.3%	23	$-652
Oct 2024	321	54 16.8%	$787,445	$225,054 28.6%	$265,125 33.7%	$490,179 62.2%	$0 0.0%	$260,641 33.1%	$36,820 4.7%	22	ok
Nov 2024	281	42 14.9%	$716,276	$186,926 26.1%	$264,740 37.0%	$451,666 63.1%	$0 0.0%	$226,294 31.6%	$38,756 5.4%	21	$-440
Dec 2024	258	30 11.6%	$647,820	$146,904 22.7%	$243,763 37.6%	$390,667 60.3%	$0 0.0%	$219,055 33.8%	$38,460 5.9%	20	$-362
Jan 2025	298	44 14.8%	$689,152	$161,284 23.4%	$273,253 39.7%	$434,537 63.1%	$1,500 0.2%	$220,606 32.0%	$32,137 4.7%	19	$372
Feb 2025	319	46 14.4%	$805,092	$209,108 26.0%	$274,214 34.1%	$483,322 60.0%	$0 0.0%	$282,128 35.0%	$38,029 4.7%	18	$1,613
Mar 2025	326	41 12.6%	$787,843	$192,883 24.5%	$223,166 28.3%	$416,049 52.8%	$0 0.0%	$318,034 40.4%	$52,459 6.7%	17	$1,301
Apr 2025	302	40 13.2%	$772,322	$192,037 24.9%	$261,320 33.8%	$453,357 58.7%	$0 0.0%	$291,888 37.8%	$26,470 3.4%	16	$607
May 2025	310	52 16.8%	$713,347	$185,667 26.0%	$203,959 28.6%	$389,626 54.6%	$0 0.0%	$279,498 39.2%	$44,070 6.2%	15	ok
Jun 2025	285	57 20.0%	$706,816	$221,369 31.3%	$196,462 27.8%	$417,831 59.1%	$0 0.0%	$264,878 37.5%	$24,136 3.4%	14	ok
Jul 2025	255	46 18.0%	$602,818	$179,787 29.8%	$158,153 26.2%	$337,940 56.1%	$0 0.0%	$242,674 40.3%	$21,420 3.6%	13	$785
Aug 2025	300	65 21.7%	$736,746	$235,704 32.0%	$184,464 25.0%	$420,168 57.0%	$0 0.0%	$291,219 39.5%	$25,149 3.4%	12	ok
Sep 2025	244	39 16.0%	$572,268	$160,410 28.0%	$153,044 26.7%	$313,454 54.8%	$1,216 0.2%	$236,247 41.3%	$20,853 3.6%	11	$499
Oct 2025	261	46 17.6%	$614,798	$197,155 32.1%	$159,715 26.0%	$356,870 58.0%	$17,817 2.9%	$232,094 37.8%	$6,984 1.1%	10	$1,034
Nov 2025	273	54 19.8%	$704,985	$219,364 31.1%	$149,880 21.3%	$369,243 52.4%	$46,716 6.6%	$231,708 32.9%	$51,638 7.3%	9	$5,680
Dec 2025	208	47 22.6%	$558,520	$162,966 29.2%	$114,453 20.5%	$277,419 49.7%	$72,049 12.9%	$176,330 31.6%	$31,705 5.7%	8	$1,017
Jan 2026	222	55 24.8%	$557,497	$168,753 30.3%	$124,562 22.3%	$293,315 52.6%	$101,757 18.3%	$143,349 25.7%	$18,225 3.3%	7	$850
Feb 2026	160	32 20.0%	$404,197	$119,392 29.5%	$58,861 14.6%	$178,253 44.1%	$104,333 25.8%	$109,355 27.1%	$11,665 2.9%	6	$592
Mar 2026	195	58 29.7%	$533,696	$187,543 35.1%	$56,548 10.6%	$244,091 45.7%	$135,275 25.3%	$138,493 25.9%	$15,600 2.9%	5	ok
Apr 2026	179	40 22.3%	$472,019	$120,313 25.5%	$52,073 11.0%	$172,386 36.5%	$182,017 38.6%	$100,183 21.2%	$15,900 3.4%	4	$1,533
May 2026	177	42 23.7%	$459,217	$153,218 33.4%	$41,963 9.1%	$195,181 42.5%	$186,969 40.7%	$60,665 13.2%	$14,150 3.1%	3	$2,252
Jun 2026	165	48 29.1%	$424,948	$152,641 35.9%	$29,732 7.0%	$182,373 42.9%	$185,847 43.7%	$41,691 9.8%	$14,775 3.5%	2	$262
Jul 2026	171	42 24.6%	$505,471	$176,979 35.0%	$22,011 4.4%	$198,990 39.4%	$257,655 51.0%	$38,385 7.6%	$8,600 1.7%	1	$1,842
Aug 2026	166	42 25.3%	$475,646	$166,833 35.1%	$3,309 0.7%	$170,142 35.8%	$267,249 56.2%	$20,075 4.2%	$15,700 3.3%	0	$2,479
Sep 2026	54	19 35.2%	$162,646	$66,058 40.6%	$0 0.0%	$66,058 40.6%	$88,971 54.7%	$1,267 0.8%	$6,350 3.9%	part month	ok
TOTAL	8,671	1,732 20.0%	$21,335,979	$6,364,763 29.8%	$5,900,662 27.7%	$12,265,425 57.5%	$1,649,371 7.7%	$6,376,118 29.9%	$1,026,497 4.8%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	928	23.6%	$2,331	32.7%	41.1%	49.6%	61.5%	65.2%	65.8%	66.1%	$1,428,829	0.0%	26.9%	$1,279,695	$1.12
2024 Q2	1,007	21.1%	$2,388	31.1%	39.6%	49.0%	62.1%	64.8%	65.3%	65.5%	$1,576,406	0.0%	29.4%	$1,281,745	$1.23
2024 Q3	1,006	21.9%	$2,343	30.6%	39.5%	49.4%	63.2%	65.3%	66.0%	66.1%	$1,557,072	0.0%	28.0%	$1,398,238	$1.11
2024 Q4	860	14.7%	$2,502	26.0%	35.6%	45.7%	59.1%	61.5%	—	61.9%	$1,332,512	0.0%	32.8%	$1,352,373	$0.99
2025 Q1	943	13.9%	$2,420	24.7%	33.6%	42.8%	55.3%	58.1%	—	58.5%	$1,333,908	0.1%	36.0%	$1,117,898	$1.19
2025 Q2	897	16.6%	$2,444	27.3%	35.4%	43.8%	55.1%	—	—	57.5%	$1,260,814	0.0%	38.1%	$1,021,555	$1.23
2025 Q3	799	18.8%	$2,393	30.1%	37.4%	44.9%	55.1%	—	—	56.0%	$1,071,561	0.1%	40.3%	$1,054,768	$1.02
2025 Q4	742	19.8%	$2,531	30.9%	37.5%	45.3%	—	—	—	53.4%	$1,003,532	7.3%	34.1%	$1,294,259	$0.78
2026 Q1	577	25.1%	$2,592	31.8%	38.4%	45.3%	—	—	—	47.9%	$715,659	22.8%	26.2%	partial	—
2026 Q2	521	25.0%	$2,603	31.4%	37.7%	—	—	—	—	40.6%	$549,940	40.9%	14.9%	no data	—
2026 Q3	391	26.3%	$2,925	35.8%	—	—	—	—	—	38.0%	$435,190	53.7%	5.2%	no data	—

Month by month — New York's own collection pattern

What this is. The same grid as the Month by month tab, but only New York. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use New York’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$691,971	35.81%	5.02%	3.11%	3.19%	2.72%	2.42%	2.38%	1.91%	2.08%	1.61%	1.75%	1.44%	3.57%	$474,172	68.5%	$474,172	68.5%	31
Feb 2024	$674,859	33.36%	4.08%	3.24%	3.09%	2.49%	2.49%	2.08%	2.10%	2.26%	2.25%	1.49%	1.37%	2.56%	$433,528	64.2%	$433,528	64.2%	30
Mar 2024	$795,998	30.22%	4.82%	3.81%	3.06%	3.28%	2.94%	2.62%	2.58%	2.10%	1.83%	1.91%	1.59%	3.26%	$521,130	65.5%	$521,130	65.5%	29
Apr 2024	$773,321	32.65%	3.92%	3.07%	2.96%	2.47%	2.44%	2.37%	2.22%	1.89%	2.08%	1.61%	1.86%	3.08%	$495,006	64.0%	$495,006	64.0%	28
May 2024	$838,858	32.51%	4.65%	3.98%	3.27%	2.95%	3.08%	2.32%	2.37%	2.36%	1.93%	2.01%	1.15%	2.29%	$553,757	66.0%	$553,757	66.0%	27
Jun 2024	$792,791	29.62%	4.51%	3.78%	3.92%	3.62%	3.46%	3.13%	2.70%	2.82%	2.86%	2.51%	1.07%	1.81%	$527,329	66.5%	$527,329	66.5%	26
Jul 2024	$793,144	30.47%	4.26%	3.68%	3.64%	3.36%	3.19%	3.49%	2.90%	2.48%	2.53%	2.84%	1.02%	2.94%	$534,925	67.4%	$534,925	67.4%	25
Aug 2024	$823,056	30.40%	5.17%	3.99%	3.64%	3.09%	3.05%	2.48%	2.32%	1.81%	2.14%	1.88%	0.69%	1.42%	$516,748	62.8%	$516,748	62.8%	24
Sep 2024	$740,396	31.47%	4.93%	4.07%	3.44%	3.24%	3.24%	3.23%	2.72%	2.91%	2.43%	2.58%	1.01%	2.43%	$504,750	68.2%	$504,750	68.2%	23
Oct 2024	$787,445	28.64%	5.22%	3.66%	3.48%	3.12%	3.10%	2.82%	2.29%	2.36%	2.42%	1.89%	0.88%	1.77%	$490,079	62.2%	$490,079	62.2%	22
Nov 2024	$716,276	27.00%	5.10%	4.23%	3.58%	3.57%	3.20%	2.89%	2.57%	2.20%	2.32%	2.12%	1.02%	2.35%	$451,566	63.0%	$451,566	63.0%	21
Dec 2024	$647,820	22.85%	5.50%	4.13%	3.83%	3.06%	3.35%	2.73%	2.91%	2.88%	2.40%	2.29%	1.53%	1.81%	$390,667	60.3%	$390,667	60.3%	20
Jan 2025	$689,152	23.83%	4.41%	5.33%	3.83%	3.24%	3.13%	3.16%	3.35%	2.35%	2.48%	2.24%	1.54%	2.75%	$434,383	63.0%	$434,383	63.0%	19
Feb 2025	$805,092	26.14%	5.28%	4.07%	3.68%	3.07%	2.81%	2.56%	2.37%	2.29%	1.88%	2.10%	1.08%	1.84%	$483,137	60.0%	$483,137	60.0%	18
Mar 2025	$787,843	25.02%	4.06%	2.75%	3.13%	2.74%	1.85%	2.18%	2.52%	1.72%	1.63%	1.51%	1.13%	1.72%	$415,192	52.7%	$415,192	52.7%	17
Apr 2025	$772,322	25.36%	5.13%	4.08%	3.76%	2.38%	2.80%	2.49%	2.37%	2.08%	2.12%	1.91%	1.21%	1.90%	$453,199	58.7%	$453,199	58.7%	16
May 2025	$713,347	26.14%	3.47%	3.68%	2.99%	2.84%	2.39%	1.99%	1.98%	2.22%	1.88%	1.80%	1.18%	1.36%	$389,349	54.6%	$389,349	54.6%	15
Jun 2025	$706,816	31.55%	3.99%	2.87%	2.75%	2.94%	2.27%	2.34%	1.87%	1.96%	1.83%	1.94%	0.86%	1.67%	$417,158	59.0%	$420,178	59.4%	14
Jul 2025	$602,818	30.24%	3.40%	2.90%	2.81%	2.40%	2.51%	2.27%	1.76%	1.70%	1.76%	1.77%	0.87%	1.67%	$336,297	55.8%	$341,226	56.6%	13
Aug 2025	$736,746	32.41%	4.13%	2.81%	2.47%	2.05%	2.57%	2.03%	1.82%	1.82%	1.59%	1.53%	0.80%	1.67%	$418,577	56.8%	$429,262	58.3%	12
Sep 2025	$572,268	28.07%	4.49%	3.18%	2.86%	2.80%	2.32%	2.59%	2.13%	1.75%	1.67%	1.65%	1.12%	1.67%	$312,651	54.6%	$322,187	56.3%	11
Oct 2025	$614,798	32.58%	3.33%	3.28%	2.88%	2.47%	2.64%	2.31%	2.24%	2.19%	2.18%	1.70%	0.92%	1.67%	$355,370	57.8%	$371,259	60.4%	10
Nov 2025	$704,985	31.26%	3.76%	2.93%	2.96%	2.18%	1.91%	1.83%	1.67%	1.77%	1.49%	1.62%	0.92%	1.67%	$365,014	51.8%	$394,667	56.0%	9
Dec 2025	$558,520	29.10%	2.93%	3.12%	3.10%	2.92%	2.26%	2.01%	2.27%	1.50%	1.77%	1.62%	0.92%	1.67%	$274,911	49.2%	$308,287	55.2%	8
Jan 2026	$557,497	30.26%	4.48%	3.80%	3.01%	3.09%	2.62%	2.87%	2.07%	1.83%	1.77%	1.62%	0.92%	1.67%	$290,950	52.2%	$334,445	60.0%	7
Feb 2026	$404,197	29.65%	2.87%	2.89%	2.98%	1.99%	1.96%	1.39%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$176,745	43.7%	$216,264	53.5%	6
Mar 2026	$533,696	35.68%	2.63%	2.10%	1.99%	1.57%	1.61%	2.16%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$243,264	45.6%	$306,986	57.5%	5
Apr 2026	$472,019	26.42%	2.51%	2.72%	2.41%	2.18%	2.08%	2.16%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$171,065	36.2%	$237,233	50.3%	4
May 2026	$459,217	33.33%	3.10%	3.13%	2.52%	1.89%	2.08%	2.16%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$193,288	42.1%	$266,357	58.0%	3
Jun 2026	$424,948	37.39%	2.45%	2.71%	2.29%	1.89%	2.08%	2.16%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$180,818	42.6%	$258,185	60.8%	2
Jul 2026	$505,471	35.64%	2.79%	2.85%	2.29%	1.89%	2.08%	2.16%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$194,260	38.4%	$300,711	59.5%	1
Aug 2026	$475,646	35.29%	2.79%	2.85%	2.29%	1.89%	2.08%	2.16%	1.98%	1.83%	1.77%	1.62%	0.92%	1.67%	$167,874	35.3%	$281,312	59.1%	0
AVERAGE (settled months)	$14,890,071	29.30%	4.57%	3.67%	3.33%	2.94%	2.82%	2.58%	2.39%	2.21%	2.10%	1.99%	1.16%	2.07%	$9,247,649	62.1%
ALL MONTHS (excl. the part month)	$21,173,333														$12,167,160	57.5%	$12,905,827	61.0%

Dallas — 5,500 sales, $14,623,290 booked

1,160 of them (21.1%) paid in full on the day, worth $2,901,429.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	180	43 23.9%	$482,189	$200,657 41.6%	$132,229 27.4%	$332,886 69.0%	$207 0.0%	$111,578 23.1%	$37,947 7.9%	31	$-429
Feb 2024	161	21 13.0%	$390,481	$107,770 27.6%	$128,730 33.0%	$236,500 60.6%	$0 0.0%	$120,398 30.8%	$33,493 8.6%	30	ok
Mar 2024	199	26 13.1%	$530,614	$145,203 27.4%	$173,347 32.7%	$318,550 60.0%	$0 0.0%	$176,719 33.3%	$34,425 6.5%	29	$921
Apr 2024	174	35 20.1%	$461,950	$149,870 32.4%	$151,188 32.7%	$301,058 65.2%	$0 0.0%	$144,167 31.2%	$16,603 3.6%	28	ok
May 2024	156	35 22.4%	$395,235	$150,880 38.2%	$128,774 32.6%	$279,654 70.8%	$0 0.0%	$99,403 25.2%	$16,177 4.1%	27	ok
Jun 2024	168	29 17.3%	$381,830	$126,225 33.1%	$143,485 37.6%	$269,710 70.6%	$0 0.0%	$93,880 24.6%	$20,597 5.4%	26	$-2,357
Jul 2024	177	26 14.7%	$413,808	$103,870 25.1%	$172,690 41.7%	$276,560 66.8%	$0 0.0%	$107,266 25.9%	$28,466 6.9%	25	$1,516
Aug 2024	194	26 13.4%	$471,550	$131,955 28.0%	$174,635 37.0%	$306,590 65.0%	$590 0.1%	$150,677 32.0%	$13,264 2.8%	24	$428
Sep 2024	156	24 15.4%	$394,300	$109,475 27.8%	$144,839 36.7%	$254,314 64.5%	$0 0.0%	$112,749 28.6%	$26,893 6.8%	23	$344
Oct 2024	151	32 21.2%	$391,700	$132,995 34.0%	$116,769 29.8%	$249,764 63.8%	$0 0.0%	$119,002 30.4%	$22,262 5.7%	22	$672
Nov 2024	146	30 20.5%	$349,266	$118,271 33.9%	$101,521 29.1%	$219,792 62.9%	$0 0.0%	$115,650 33.1%	$13,561 3.9%	21	$263
Dec 2024	139	30 21.6%	$331,692	$108,257 32.6%	$94,687 28.5%	$202,944 61.2%	$0 0.0%	$116,496 35.1%	$12,129 3.7%	20	ok
Jan 2025	145	26 17.9%	$365,600	$117,925 32.3%	$133,326 36.5%	$251,251 68.7%	$0 0.0%	$92,135 25.2%	$19,753 5.4%	19	$2,460
Feb 2025	183	20 10.9%	$502,848	$118,100 23.5%	$136,030 27.1%	$254,130 50.5%	$0 0.0%	$205,358 40.8%	$41,721 8.3%	18	$1,639
Mar 2025	209	35 16.7%	$593,459	$188,689 31.8%	$152,086 25.6%	$340,775 57.4%	$0 0.0%	$221,705 37.4%	$30,095 5.1%	17	$885
Apr 2025	162	26 16.0%	$426,100	$125,560 29.5%	$110,139 25.8%	$235,699 55.3%	$0 0.0%	$172,524 40.5%	$17,640 4.1%	16	$237
May 2025	131	17 13.0%	$374,775	$94,483 25.2%	$91,483 24.4%	$185,966 49.6%	$0 0.0%	$173,572 46.3%	$15,275 4.1%	15	ok
Jun 2025	155	23 14.8%	$423,810	$118,300 27.9%	$90,479 21.3%	$208,779 49.3%	$0 0.0%	$196,930 46.5%	$18,120 4.3%	14	ok
Jul 2025	158	16 10.1%	$433,575	$105,578 24.4%	$114,573 26.4%	$220,151 50.8%	$52 0.0%	$193,025 44.5%	$19,325 4.5%	13	$1,022
Aug 2025	199	37 18.6%	$526,525	$165,892 31.5%	$124,743 23.7%	$290,635 55.2%	$1,892 0.4%	$212,516 40.4%	$21,400 4.1%	12	ok
Sep 2025	191	23 12.0%	$527,290	$134,394 25.5%	$147,303 27.9%	$281,697 53.4%	$2,044 0.4%	$235,315 44.6%	$6,665 1.3%	11	$1,569
Oct 2025	175	32 18.3%	$464,884	$173,165 37.2%	$100,614 21.6%	$273,779 58.9%	$12,652 2.7%	$165,069 35.5%	$12,640 2.7%	10	$744
Nov 2025	168	33 19.6%	$475,814	$168,709 35.5%	$91,729 19.3%	$260,438 54.7%	$31,432 6.6%	$176,267 37.0%	$8,067 1.7%	9	$-391
Dec 2025	163	44 27.0%	$462,250	$188,889 40.9%	$82,046 17.7%	$270,935 58.6%	$35,910 7.8%	$139,179 30.1%	$14,904 3.2%	8	$1,322
Jan 2026	168	47 28.0%	$475,959	$194,799 40.9%	$88,040 18.5%	$282,839 59.4%	$72,142 15.2%	$109,276 23.0%	$10,350 2.2%	7	$1,352
Feb 2026	187	56 29.9%	$546,914	$226,015 41.3%	$78,512 14.4%	$304,527 55.7%	$103,651 19.0%	$129,734 23.7%	$7,045 1.3%	6	$1,956
Mar 2026	192	56 29.2%	$561,963	$215,502 38.3%	$65,357 11.6%	$280,859 50.0%	$134,651 24.0%	$135,949 24.2%	$7,500 1.3%	5	$3,004
Apr 2026	141	43 30.5%	$446,530	$220,363 49.4%	$43,357 9.7%	$263,720 59.1%	$99,883 22.4%	$74,009 16.6%	$7,854 1.8%	4	$1,063
May 2026	194	72 37.1%	$513,620	$239,887 46.7%	$38,460 7.5%	$278,347 54.2%	$136,607 26.6%	$80,188 15.6%	$16,675 3.2%	3	$1,803
Jun 2026	189	66 34.9%	$517,799	$248,020 47.9%	$28,768 5.6%	$276,788 53.5%	$155,831 30.1%	$65,980 12.7%	$17,750 3.4%	2	$1,450
Jul 2026	170	60 35.3%	$458,500	$212,749 46.4%	$12,829 2.8%	$225,577 49.2%	$146,655 32.0%	$54,415 11.9%	$29,150 6.4%	1	$2,703
Aug 2026	150	49 32.7%	$358,480	$143,638 40.1%	$1,634 0.5%	$145,272 40.5%	$164,497 45.9%	$40,392 11.3%	$6,000 1.7%	0	$2,319
Sep 2026	69	22 31.9%	$171,980	$64,355 37.4%	$0 0.0%	$64,355 37.4%	$96,995 56.4%	$10,680 6.2%	$0 0.0%	part month	ok
TOTAL	5,500	1,160 21.1%	$14,623,290	$5,050,440 34.5%	$3,394,401 23.2%	$8,444,841 57.7%	$1,195,691 8.2%	$4,352,203 29.8%	$603,747 4.1%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	540	16.7%	$2,599	32.3%	40.7%	48.9%	60.1%	62.7%	63.0%	63.3%	$887,936	0.0%	29.1%	$1,279,695	$0.69
2024 Q2	498	19.9%	$2,488	34.5%	43.7%	53.3%	65.6%	68.3%	68.5%	68.6%	$850,422	0.0%	27.2%	$1,281,745	$0.66
2024 Q3	527	14.4%	$2,428	27.0%	37.1%	47.7%	61.6%	64.7%	65.4%	65.4%	$837,464	0.0%	29.0%	$1,398,238	$0.60
2024 Q4	436	21.1%	$2,460	33.5%	41.8%	50.4%	60.2%	62.4%	—	62.7%	$672,500	0.0%	32.7%	$1,352,373	$0.50
2025 Q1	537	15.1%	$2,722	29.1%	36.8%	44.6%	55.0%	57.8%	—	57.9%	$846,156	0.0%	35.5%	$1,117,898	$0.76
2025 Q2	448	14.7%	$2,734	27.6%	34.1%	40.9%	49.7%	—	—	51.5%	$630,445	0.0%	44.3%	$1,021,555	$0.62
2025 Q3	548	13.9%	$2,714	27.3%	34.4%	41.2%	52.3%	—	—	53.3%	$792,483	0.3%	43.1%	$1,054,768	$0.75
2025 Q4	506	21.5%	$2,773	37.8%	44.5%	51.0%	—	—	—	57.4%	$805,152	5.7%	34.3%	$1,294,259	$0.62
2026 Q1	547	29.1%	$2,897	40.2%	46.1%	52.6%	—	—	—	54.8%	$868,225	19.6%	23.7%	partial	—
2026 Q2	524	34.5%	$2,821	47.9%	53.1%	—	—	—	—	55.4%	$818,855	26.5%	14.9%	no data	—
2026 Q3	389	33.7%	$2,542	42.5%	—	—	—	—	—	44.0%	$435,204	41.3%	10.7%	no data	—

Month by month — Dallas's own collection pattern

What this is. The same grid as the Month by month tab, but only Dallas. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Dallas’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$482,189	42.42%	4.01%	3.13%	2.78%	2.14%	2.05%	1.74%	1.81%	1.95%	1.64%	1.46%	1.28%	1.60%	$332,886	69.0%	$332,886	69.0%	31
Feb 2024	$390,481	28.13%	4.49%	3.86%	3.27%	3.33%	2.56%	2.61%	2.13%	1.85%	1.76%	2.08%	1.41%	2.10%	$236,500	60.6%	$236,500	60.6%	30
Mar 2024	$530,614	27.42%	4.87%	3.53%	2.91%	2.98%	2.76%	2.22%	2.43%	1.98%	1.77%	2.09%	1.44%	2.32%	$318,550	60.0%	$318,550	60.0%	29
Apr 2024	$461,950	33.02%	4.56%	3.57%	3.34%	2.55%	2.35%	2.53%	2.14%	2.00%	1.89%	1.54%	1.35%	3.29%	$301,058	65.2%	$301,058	65.2%	28
May 2024	$395,235	38.71%	5.12%	3.59%	3.15%	3.12%	3.17%	3.09%	1.81%	1.82%	1.89%	2.45%	0.91%	1.29%	$279,654	70.8%	$279,654	70.8%	27
Jun 2024	$381,830	32.99%	5.71%	4.20%	3.93%	3.57%	3.78%	3.07%	3.21%	2.69%	2.05%	1.60%	1.18%	1.74%	$269,687	70.6%	$269,687	70.6%	26
Jul 2024	$413,808	25.74%	6.25%	4.12%	4.31%	3.62%	3.49%	3.59%	3.10%	2.90%	2.19%	2.12%	1.45%	2.95%	$276,560	66.8%	$276,560	66.8%	25
Aug 2024	$471,550	29.00%	4.52%	4.16%	3.61%	3.54%	3.27%	2.58%	2.80%	2.29%	2.14%	2.02%	1.18%	2.26%	$306,590	65.0%	$306,590	65.0%	24
Sep 2024	$394,300	29.08%	4.43%	3.98%	3.45%	3.64%	2.89%	3.30%	2.41%	2.07%	2.45%	1.76%	1.19%	2.69%	$254,235	64.5%	$254,235	64.5%	23
Oct 2024	$391,700	33.69%	4.65%	3.32%	3.51%	2.64%	3.27%	2.11%	2.35%	1.78%	1.73%	1.27%	0.74%	1.87%	$249,664	63.7%	$249,664	63.7%	22
Nov 2024	$349,266	34.59%	4.80%	3.50%	3.29%	2.68%	2.35%	2.15%	1.39%	1.95%	1.59%	1.21%	0.83%	1.93%	$219,792	62.9%	$219,792	62.9%	21
Dec 2024	$331,692	33.72%	3.80%	3.16%	3.17%	2.75%	2.20%	2.47%	1.99%	1.92%	1.66%	1.36%	0.83%	1.35%	$202,914	61.2%	$202,914	61.2%	20
Jan 2025	$365,600	33.22%	4.13%	3.97%	3.62%	3.56%	2.44%	2.85%	2.88%	2.50%	2.90%	2.24%	1.48%	1.81%	$251,251	68.7%	$251,251	68.7%	19
Feb 2025	$502,848	24.41%	3.96%	3.36%	2.43%	2.93%	1.92%	2.16%	1.81%	1.75%	1.31%	1.10%	0.99%	1.59%	$253,545	50.4%	$253,545	50.4%	18
Mar 2025	$593,459	32.31%	3.17%	2.92%	2.62%	2.54%	1.80%	1.71%	1.90%	1.56%	1.36%	1.26%	1.05%	2.06%	$340,775	57.4%	$340,775	57.4%	17
Apr 2025	$426,100	30.20%	3.46%	2.82%	2.24%	2.56%	2.01%	1.93%	2.71%	1.75%	1.67%	1.32%	1.10%	0.47%	$235,699	55.3%	$235,699	55.3%	16
May 2025	$374,775	25.83%	3.95%	2.18%	2.69%	2.08%	2.67%	1.50%	1.59%	1.41%	1.35%	1.34%	0.92%	1.24%	$185,891	49.6%	$185,891	49.6%	15
Jun 2025	$423,810	27.91%	3.03%	2.78%	2.61%	1.99%	1.46%	1.39%	1.63%	1.23%	1.17%	1.29%	1.04%	1.35%	$208,146	49.1%	$210,033	49.6%	14
Jul 2025	$433,575	25.09%	3.37%	2.72%	2.67%	2.06%	1.95%	2.35%	2.26%	1.85%	1.76%	1.35%	1.39%	1.35%	$219,422	50.6%	$221,719	51.1%	13
Aug 2025	$526,525	32.03%	3.54%	2.72%	1.87%	1.90%	2.11%	1.76%	2.32%	1.63%	1.60%	1.55%	1.11%	1.35%	$289,910	55.1%	$296,313	56.3%	12
Sep 2025	$527,290	25.93%	3.81%	3.34%	2.83%	2.56%	2.49%	2.30%	2.47%	2.27%	2.08%	1.78%	1.36%	1.35%	$280,598	53.2%	$287,737	54.6%	11
Oct 2025	$464,884	37.36%	3.27%	3.15%	2.10%	2.37%	2.23%	1.97%	1.77%	1.53%	1.70%	1.14%	1.28%	1.35%	$272,394	58.6%	$284,645	61.2%	10
Nov 2025	$475,814	36.78%	3.40%	2.65%	2.38%	1.84%	1.66%	1.81%	1.28%	1.42%	0.88%	1.50%	1.28%	1.35%	$257,445	54.1%	$277,135	58.2%	9
Dec 2025	$462,250	40.67%	3.07%	3.34%	2.36%	2.33%	2.10%	1.71%	1.51%	1.13%	1.57%	1.50%	1.28%	1.35%	$269,114	58.2%	$295,498	63.9%	8
Jan 2026	$475,959	42.11%	3.37%	2.83%	2.19%	2.49%	2.13%	2.28%	1.46%	1.36%	1.57%	1.50%	1.28%	1.35%	$280,148	58.9%	$313,797	65.9%	7
Feb 2026	$546,914	41.55%	3.30%	2.25%	2.36%	1.91%	2.26%	1.78%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$302,987	55.4%	$349,401	63.9%	6
Mar 2026	$561,963	38.53%	1.99%	2.64%	2.46%	2.35%	1.55%	1.92%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$278,201	49.5%	$336,681	59.9%	5
Apr 2026	$446,530	49.99%	2.61%	2.02%	2.03%	1.89%	1.97%	1.92%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$261,387	58.5%	$316,649	70.9%	4
May 2026	$513,620	46.79%	2.68%	2.41%	2.14%	2.06%	1.97%	1.92%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$277,461	54.0%	$351,620	68.5%	3
Jun 2026	$517,799	47.98%	2.78%	2.11%	2.22%	2.06%	1.97%	1.92%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$273,795	52.9%	$360,075	69.5%	2
Jul 2026	$458,500	46.38%	2.42%	2.19%	2.22%	2.06%	1.97%	1.92%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$223,761	48.8%	$310,199	67.7%	1
Aug 2026	$358,480	40.21%	2.63%	2.19%	2.22%	2.06%	1.97%	1.92%	1.42%	1.36%	1.57%	1.50%	1.28%	1.35%	$144,130	40.2%	$221,157	61.7%	0
AVERAGE (settled months)	$8,641,307	30.91%	4.25%	3.36%	3.03%	2.79%	2.49%	2.32%	2.23%	1.93%	1.77%	1.61%	1.15%	1.72%	$5,235,707	60.6%
ALL MONTHS (excl. the part month)	$14,451,310														$8,354,148	57.8%	$9,003,851	62.3%

Houston — 5,158 sales, $13,530,885 booked

974 of them (18.9%) paid in full on the day, worth $2,542,736.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	172	33 19.2%	$392,579	$158,455 40.4%	$128,783 32.8%	$287,238 73.2%	$0 0.0%	$89,551 22.8%	$15,552 4.0%	31	$238
Feb 2024	177	37 20.9%	$466,314	$192,793 41.3%	$153,044 32.8%	$345,837 74.2%	$0 0.0%	$99,410 21.3%	$20,993 4.5%	30	ok
Mar 2024	171	38 22.2%	$451,520	$195,925 43.4%	$129,064 28.6%	$324,989 72.0%	$0 0.0%	$106,035 23.5%	$20,393 4.5%	29	ok
Apr 2024	163	47 28.8%	$404,455	$194,722 48.1%	$102,976 25.5%	$297,698 73.6%	$0 0.0%	$94,805 23.4%	$11,888 2.9%	28	ok
May 2024	154	31 20.1%	$422,045	$167,674 39.7%	$119,979 28.4%	$287,653 68.2%	$0 0.0%	$112,230 26.6%	$21,361 5.1%	27	$802
Jun 2024	143	40 28.0%	$359,460	$162,862 45.3%	$109,982 30.6%	$272,844 75.9%	$0 0.0%	$73,222 20.4%	$12,830 3.6%	26	$564
Jul 2024	128	32 25.0%	$322,885	$139,479 43.2%	$87,650 27.1%	$227,129 70.3%	$0 0.0%	$77,371 24.0%	$17,545 5.4%	25	$840
Aug 2024	181	29 16.0%	$414,975	$154,845 37.3%	$118,103 28.5%	$272,948 65.8%	$0 0.0%	$120,866 29.1%	$21,120 5.1%	24	ok
Sep 2024	155	35 22.6%	$353,600	$152,880 43.2%	$96,550 27.3%	$249,430 70.5%	$0 0.0%	$97,624 27.6%	$5,670 1.6%	23	$875
Oct 2024	150	25 16.7%	$359,525	$128,510 35.7%	$103,017 28.7%	$231,527 64.4%	$0 0.0%	$116,294 32.3%	$10,844 3.0%	22	$860
Nov 2024	141	35 24.8%	$357,930	$155,780 43.5%	$96,030 26.8%	$251,810 70.4%	$0 0.0%	$82,034 22.9%	$23,368 6.5%	21	$719
Dec 2024	158	31 19.6%	$405,825	$150,780 37.2%	$104,661 25.8%	$255,441 62.9%	$0 0.0%	$133,031 32.8%	$15,180 3.7%	20	$2,174
Jan 2025	142	29 20.4%	$390,500	$141,136 36.1%	$121,151 31.0%	$262,287 67.2%	$0 0.0%	$118,865 30.4%	$10,280 2.6%	19	$-932
Feb 2025	168	35 20.8%	$459,625	$171,580 37.3%	$137,431 29.9%	$309,011 67.2%	$0 0.0%	$133,604 29.1%	$17,530 3.8%	18	$-520
Mar 2025	174	34 19.5%	$428,899	$157,529 36.7%	$108,163 25.2%	$265,692 61.9%	$0 0.0%	$145,915 34.0%	$17,230 4.0%	17	ok
Apr 2025	172	32 18.6%	$456,650	$158,410 34.7%	$107,534 23.5%	$265,944 58.2%	$0 0.0%	$173,643 38.0%	$16,800 3.7%	16	$262
May 2025	177	24 13.6%	$464,200	$159,205 34.3%	$115,531 24.9%	$274,736 59.2%	$0 0.0%	$178,373 38.4%	$11,260 2.4%	15	ok
Jun 2025	174	24 13.8%	$493,000	$158,836 32.2%	$120,361 24.4%	$279,197 56.6%	$996 0.2%	$191,117 38.8%	$22,027 4.5%	14	$-336
Jul 2025	161	29 18.0%	$420,949	$141,439 33.6%	$114,033 27.1%	$255,472 60.7%	$0 0.0%	$147,959 35.1%	$17,661 4.2%	13	ok
Aug 2025	176	28 15.9%	$446,125	$139,695 31.3%	$124,933 28.0%	$264,628 59.3%	$0 0.0%	$170,004 38.1%	$11,520 2.6%	12	ok
Sep 2025	153	24 15.7%	$349,245	$105,925 30.3%	$100,018 28.6%	$205,943 59.0%	$1,677 0.5%	$128,887 36.9%	$12,475 3.6%	11	$262
Oct 2025	151	31 20.5%	$421,800	$167,715 39.8%	$88,454 21.0%	$256,169 60.7%	$4,932 1.2%	$157,931 37.4%	$1,950 0.5%	10	$819
Nov 2025	125	15 12.0%	$319,275	$93,575 29.3%	$90,814 28.4%	$184,389 57.8%	$14,663 4.6%	$112,980 35.4%	$4,560 1.4%	9	$2,682
Dec 2025	161	30 18.6%	$396,875	$116,545 29.4%	$84,440 21.3%	$200,985 50.6%	$55,891 14.1%	$132,382 33.4%	$6,550 1.7%	8	$1,067
Jan 2026	142	42 29.6%	$414,025	$153,580 37.1%	$76,834 18.6%	$230,414 55.7%	$82,710 20.0%	$86,299 20.8%	$12,867 3.1%	7	$1,735
Feb 2026	167	36 21.6%	$452,100	$157,020 34.7%	$72,413 16.0%	$229,433 50.7%	$106,633 23.6%	$102,380 22.6%	$12,650 2.8%	6	$1,004
Mar 2026	184	26 14.1%	$526,875	$128,055 24.3%	$91,280 17.3%	$219,335 41.6%	$175,670 33.3%	$104,174 19.8%	$25,713 4.9%	5	$1,984
Apr 2026	142	19 13.4%	$378,375	$96,970 25.6%	$44,425 11.7%	$141,395 37.4%	$153,286 40.5%	$68,583 18.1%	$12,250 3.2%	4	$2,862
May 2026	172	27 15.7%	$495,775	$138,632 28.0%	$48,604 9.8%	$187,236 37.8%	$221,953 44.8%	$71,625 14.4%	$13,650 2.8%	3	$1,312
Jun 2026	153	29 19.0%	$424,624	$120,684 28.4%	$38,127 9.0%	$158,811 37.4%	$211,638 49.8%	$41,655 9.8%	$10,700 2.5%	2	$1,821
Jul 2026	152	17 11.2%	$444,325	$107,170 24.1%	$19,053 4.3%	$126,223 28.4%	$260,286 58.6%	$35,406 8.0%	$20,375 4.6%	1	$2,036
Aug 2026	151	21 13.9%	$437,355	$108,895 24.9%	$2,971 0.7%	$111,866 25.6%	$281,552 64.4%	$19,095 4.4%	$21,450 4.9%	0	$3,393
Sep 2026	68	9 13.2%	$199,175	$47,350 23.8%	$0 0.0%	$47,350 23.8%	$147,026 73.8%	$999 0.5%	$3,800 1.9%	part month	ok
TOTAL	5,158	974 18.9%	$13,530,885	$4,724,651 34.9%	$3,056,408 22.6%	$7,781,059 57.5%	$1,718,912 12.7%	$3,524,348 26.0%	$480,040 3.5%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	520	20.8%	$2,520	41.8%	49.5%	57.8%	69.2%	72.5%	72.9%	73.1%	$958,064	0.0%	22.5%	$1,279,695	$0.75
2024 Q2	460	25.7%	$2,578	44.3%	53.0%	60.6%	70.3%	72.0%	72.3%	72.4%	$858,194	0.0%	23.6%	$1,281,745	$0.67
2024 Q3	464	20.7%	$2,352	41.0%	47.9%	55.9%	66.2%	67.8%	68.6%	68.7%	$749,507	0.0%	27.1%	$1,398,238	$0.54
2024 Q4	449	20.3%	$2,502	38.7%	46.7%	54.2%	63.7%	65.2%	—	65.8%	$738,778	0.0%	29.5%	$1,352,373	$0.55
2025 Q1	484	20.2%	$2,643	36.8%	45.4%	53.6%	63.8%	65.4%	—	65.4%	$836,990	0.0%	31.1%	$1,117,898	$0.75
2025 Q2	523	15.3%	$2,703	33.7%	41.6%	47.8%	56.2%	—	—	58.0%	$819,877	0.1%	38.4%	$1,021,555	$0.80
2025 Q3	490	16.5%	$2,482	31.8%	39.8%	47.3%	58.8%	—	—	59.7%	$726,043	0.1%	36.7%	$1,054,768	$0.69
2025 Q4	437	17.4%	$2,604	33.2%	40.9%	49.0%	—	—	—	56.4%	$641,543	6.6%	35.4%	$1,294,259	$0.50
2026 Q1	493	21.1%	$2,826	31.5%	38.8%	46.3%	—	—	—	48.8%	$679,182	26.2%	21.0%	partial	—
2026 Q2	467	16.1%	$2,781	27.4%	34.8%	—	—	—	—	37.5%	$487,441	45.2%	14.0%	no data	—
2026 Q3	371	12.7%	$2,913	24.4%	—	—	—	—	—	26.4%	$285,438	63.7%	5.1%	no data	—

Month by month — Houston's own collection pattern

What this is. The same grid as the Month by month tab, but only Houston. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Houston’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$392,579	40.64%	3.51%	3.23%	3.13%	3.09%	2.31%	2.33%	2.08%	2.56%	1.74%	1.81%	1.40%	3.91%	$287,238	73.2%	$287,238	73.2%	31
Feb 2024	$466,314	41.82%	3.36%	3.78%	2.85%	2.54%	2.82%	2.45%	2.14%	2.32%	2.27%	1.61%	1.79%	2.81%	$345,746	74.1%	$345,746	74.1%	30
Mar 2024	$451,520	44.48%	3.53%	3.90%	3.10%	2.38%	2.56%	2.07%	1.98%	2.19%	1.56%	1.33%	0.87%	1.21%	$324,989	72.0%	$324,989	72.0%	29
Apr 2024	$404,455	48.55%	4.56%	3.16%	1.85%	2.68%	2.22%	2.32%	1.65%	1.57%	1.14%	1.06%	0.90%	1.02%	$297,698	73.6%	$297,698	73.6%	28
May 2024	$422,045	40.22%	4.39%	3.94%	2.61%	2.83%	2.19%	2.55%	1.98%	1.85%	1.70%	1.22%	0.79%	1.38%	$287,643	68.2%	$287,643	68.2%	27
Jun 2024	$359,460	45.52%	5.05%	4.13%	2.77%	3.20%	2.53%	2.03%	1.94%	1.91%	2.04%	1.84%	0.66%	1.87%	$272,844	75.9%	$272,844	75.9%	26
Jul 2024	$322,885	43.21%	4.18%	3.01%	2.69%	2.84%	2.45%	1.93%	2.33%	2.05%	1.41%	1.14%	0.54%	2.06%	$227,039	70.3%	$227,039	70.3%	25
Aug 2024	$414,975	37.31%	3.57%	3.17%	3.10%	3.09%	2.08%	1.94%	1.79%	2.28%	2.13%	1.55%	0.76%	2.59%	$272,948	65.8%	$272,948	65.8%	24
Sep 2024	$353,600	43.35%	3.65%	3.27%	2.49%	2.54%	2.64%	2.65%	2.27%	1.83%	1.67%	1.62%	0.79%	1.30%	$249,430	70.5%	$249,430	70.5%	23
Oct 2024	$359,525	37.42%	4.16%	2.97%	2.88%	2.68%	1.95%	1.94%	2.37%	1.87%	1.81%	1.41%	0.80%	1.88%	$231,527	64.4%	$231,527	64.4%	22
Nov 2024	$357,930	43.94%	3.32%	4.16%	2.73%	2.60%	2.16%	1.82%	1.56%	2.02%	1.63%	1.41%	0.80%	1.55%	$251,810	70.4%	$251,810	70.4%	21
Dec 2024	$405,825	37.38%	3.00%	3.93%	2.84%	2.55%	2.25%	1.92%	1.68%	1.75%	1.44%	1.71%	0.61%	1.64%	$255,441	62.9%	$255,441	62.9%	20
Jan 2025	$390,500	36.20%	4.42%	4.28%	4.13%	2.74%	2.43%	1.96%	3.14%	2.08%	2.01%	1.74%	0.40%	1.04%	$262,287	67.2%	$262,287	67.2%	19
Feb 2025	$459,625	37.33%	4.82%	4.65%	3.53%	2.81%	2.55%	2.13%	1.91%	2.02%	2.07%	1.64%	0.88%	0.66%	$309,011	67.2%	$309,011	67.2%	18
Mar 2025	$428,899	37.02%	4.42%	3.02%	2.03%	2.25%	2.12%	2.06%	1.71%	1.41%	1.46%	1.38%	0.62%	1.53%	$265,570	61.9%	$265,570	61.9%	17
Apr 2025	$456,650	35.29%	3.91%	2.77%	2.31%	1.90%	1.78%	1.92%	1.46%	1.75%	1.22%	1.35%	0.36%	1.11%	$265,727	58.2%	$265,727	58.2%	16
May 2025	$464,200	35.12%	3.88%	3.51%	2.02%	2.30%	1.76%	1.98%	1.45%	1.38%	1.23%	1.40%	0.72%	1.49%	$274,736	59.2%	$274,736	59.2%	15
Jun 2025	$493,000	32.49%	3.66%	4.25%	2.36%	2.26%	1.82%	2.20%	1.78%	2.07%	1.01%	1.47%	0.40%	1.37%	$278,863	56.6%	$283,617	57.5%	14
Jul 2025	$420,949	33.74%	4.44%	2.95%	2.92%	1.86%	2.06%	1.88%	2.41%	2.10%	1.98%	1.88%	0.83%	1.37%	$255,472	60.7%	$258,741	61.5%	13
Aug 2025	$446,125	32.07%	4.19%	3.51%	2.45%	2.75%	2.16%	2.01%	2.25%	2.78%	1.64%	1.36%	1.40%	1.37%	$263,907	59.2%	$269,305	60.4%	12
Sep 2025	$349,245	30.22%	4.12%	3.77%	3.20%	2.65%	2.87%	2.67%	2.25%	2.63%	2.16%	1.51%	0.88%	1.37%	$205,778	58.9%	$210,568	60.3%	11
Oct 2025	$421,800	41.09%	2.95%	3.10%	2.40%	2.25%	1.97%	2.01%	1.38%	1.29%	1.04%	1.09%	1.05%	1.37%	$255,496	60.6%	$265,715	63.0%	10
Nov 2025	$319,275	29.59%	4.27%	3.50%	3.48%	3.60%	2.92%	2.16%	3.45%	1.87%	2.25%	1.31%	1.05%	1.37%	$182,322	57.1%	$194,242	60.8%	9
Dec 2025	$396,875	30.33%	3.43%	3.21%	3.40%	2.50%	2.25%	1.91%	1.83%	1.43%	1.75%	1.31%	1.05%	1.37%	$199,573	50.3%	$221,352	55.8%	8
Jan 2026	$414,025	37.42%	2.48%	3.38%	2.97%	2.09%	2.16%	2.13%	1.99%	1.50%	1.75%	1.31%	1.05%	1.37%	$226,145	54.6%	$255,081	61.6%	7
Feb 2026	$452,100	35.16%	3.10%	2.97%	3.35%	2.29%	1.98%	1.49%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$227,542	50.3%	$269,763	59.7%	6
Mar 2026	$526,875	24.94%	4.26%	4.12%	3.20%	2.07%	2.25%	1.83%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$215,170	40.8%	$274,040	52.0%	5
Apr 2026	$378,375	26.00%	2.67%	3.69%	2.44%	2.23%	2.13%	1.83%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$140,158	37.0%	$190,513	50.4%	4
May 2026	$495,775	28.23%	3.30%	3.22%	2.16%	2.19%	2.13%	1.83%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$182,962	36.9%	$259,786	52.4%	3
Jun 2026	$424,624	29.27%	4.50%	3.17%	2.63%	2.19%	2.13%	1.83%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$156,865	36.9%	$233,812	55.1%	2
Jul 2026	$444,325	24.54%	3.33%	3.34%	2.63%	2.19%	2.13%	1.83%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$123,833	27.9%	$219,203	49.3%	1
Aug 2026	$437,355	25.14%	3.68%	3.34%	2.63%	2.19%	2.13%	1.83%	2.35%	1.50%	1.75%	1.31%	1.05%	1.37%	$109,940	25.1%	$219,918	50.3%	0
AVERAGE (settled months)	$8,271,061	38.90%	4.00%	3.59%	2.73%	2.58%	2.23%	2.11%	1.98%	1.99%	1.65%	1.50%	0.82%	1.48%	$5,481,511	66.3%
ALL MONTHS (excl. the part month)	$13,331,710														$7,705,710	57.8%	$8,341,527	62.6%

Florida — 5,068 sales, $13,506,429 booked

1,537 of them (30.3%) paid in full on the day, worth $3,390,777.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	186	75 40.3%	$409,945	$209,758 51.2%	$107,401 26.2%	$317,159 77.4%	$0 0.0%	$64,391 15.7%	$28,428 6.9%	31	ok
Feb 2024	153	56 36.6%	$360,729	$187,729 52.0%	$107,487 29.8%	$295,216 81.8%	$0 0.0%	$42,060 11.7%	$23,590 6.5%	30	ok
Mar 2024	216	58 26.9%	$490,959	$194,644 39.6%	$151,987 31.0%	$346,631 70.6%	$0 0.0%	$117,805 24.0%	$25,567 5.2%	29	$956
Apr 2024	188	47 25.0%	$416,660	$140,695 33.8%	$155,726 37.4%	$296,421 71.1%	$0 0.0%	$91,155 21.9%	$27,767 6.7%	28	$1,317
May 2024	163	61 37.4%	$372,718	$177,728 47.7%	$103,360 27.7%	$281,088 75.4%	$0 0.0%	$72,064 19.3%	$19,358 5.2%	27	$208
Jun 2024	196	77 39.3%	$427,251	$205,637 48.1%	$131,677 30.8%	$337,314 78.9%	$0 0.0%	$70,964 16.6%	$18,602 4.4%	26	$371
Jul 2024	163	69 42.3%	$378,709	$192,529 50.8%	$92,904 24.5%	$285,433 75.4%	$0 0.0%	$71,528 18.9%	$21,343 5.6%	25	$405
Aug 2024	179	72 40.2%	$402,008	$199,768 49.7%	$98,397 24.5%	$298,165 74.2%	$0 0.0%	$86,650 21.6%	$16,158 4.0%	24	$1,035
Sep 2024	155	46 29.7%	$377,630	$150,059 39.7%	$104,787 27.7%	$254,846 67.5%	$0 0.0%	$101,112 26.8%	$19,450 5.2%	23	$2,222
Oct 2024	125	42 33.6%	$326,970	$143,230 43.8%	$88,010 26.9%	$231,240 70.7%	$0 0.0%	$69,833 21.4%	$21,840 6.7%	22	$4,058
Nov 2024	147	39 26.5%	$391,920	$145,496 37.1%	$130,932 33.4%	$276,428 70.5%	$0 0.0%	$94,176 24.0%	$19,470 5.0%	21	$1,846
Dec 2024	135	32 23.7%	$392,498	$144,958 36.9%	$117,271 29.9%	$262,229 66.8%	$2,532 0.6%	$105,741 26.9%	$19,686 5.0%	20	$2,310
Jan 2025	194	47 24.2%	$535,120	$210,300 39.3%	$158,982 29.7%	$369,282 69.0%	$0 0.0%	$131,368 24.5%	$29,289 5.5%	19	$5,182
Feb 2025	157	36 22.9%	$430,549	$135,369 31.4%	$166,467 38.7%	$301,836 70.1%	$0 0.0%	$105,717 24.6%	$21,138 4.9%	18	$1,858
Mar 2025	191	38 19.9%	$540,147	$194,421 36.0%	$166,865 30.9%	$361,286 66.9%	$0 0.0%	$147,811 27.4%	$27,471 5.1%	17	$3,579
Apr 2025	160	31 19.4%	$438,780	$165,568 37.7%	$132,808 30.3%	$298,376 68.0%	$0 0.0%	$114,093 26.0%	$24,058 5.5%	16	$2,254
May 2025	191	47 24.6%	$522,569	$197,726 37.8%	$128,238 24.5%	$325,964 62.4%	$0 0.0%	$167,783 32.1%	$28,384 5.4%	15	$438
Jun 2025	161	25 15.5%	$480,876	$149,912 31.2%	$153,890 32.0%	$303,802 63.2%	$0 0.0%	$154,127 32.1%	$22,480 4.7%	14	$467
Jul 2025	164	37 22.6%	$460,380	$173,027 37.6%	$127,826 27.8%	$300,853 65.3%	$0 0.0%	$133,582 29.0%	$25,145 5.5%	13	$800
Aug 2025	149	40 26.8%	$461,265	$207,355 45.0%	$114,245 24.8%	$321,600 69.7%	$0 0.0%	$119,863 26.0%	$19,682 4.3%	12	ok
Sep 2025	130	43 33.1%	$347,449	$162,439 46.8%	$78,066 22.5%	$240,505 69.2%	$313 0.1%	$96,856 27.9%	$9,775 2.8%	11	ok
Oct 2025	158	50 31.6%	$473,397	$224,827 47.5%	$103,807 21.9%	$328,634 69.4%	$2,228 0.5%	$123,235 26.0%	$18,625 3.9%	10	$675
Nov 2025	133	36 27.1%	$376,500	$151,735 40.3%	$103,167 27.4%	$254,902 67.7%	$8,107 2.2%	$108,957 28.9%	$3,700 1.0%	9	$835
Dec 2025	124	45 36.3%	$384,541	$176,918 46.0%	$68,534 17.8%	$245,452 63.8%	$37,313 9.7%	$94,132 24.5%	$6,367 1.7%	8	$1,277
Jan 2026	159	38 23.9%	$487,251	$191,256 39.3%	$97,583 20.0%	$288,839 59.3%	$57,642 11.8%	$116,575 23.9%	$23,450 4.8%	7	$745
Feb 2026	110	31 28.2%	$329,290	$134,805 40.9%	$61,897 18.8%	$196,702 59.7%	$65,750 20.0%	$61,487 18.7%	$3,200 1.0%	6	$2,151
Mar 2026	138	45 32.6%	$378,910	$156,333 41.3%	$53,145 14.0%	$209,478 55.3%	$98,591 26.0%	$59,463 15.7%	$10,400 2.7%	5	$979
Apr 2026	103	23 22.3%	$309,460	$104,156 33.7%	$39,498 12.8%	$143,654 46.4%	$104,951 33.9%	$52,276 16.9%	$6,250 2.0%	4	$2,329
May 2026	148	51 34.5%	$430,627	$202,110 46.9%	$37,478 8.7%	$239,588 55.6%	$133,129 30.9%	$48,459 11.3%	$8,050 1.9%	3	$1,401
Jun 2026	159	61 38.4%	$439,420	$199,652 45.4%	$26,589 6.1%	$226,241 51.5%	$160,923 36.6%	$37,494 8.5%	$14,279 3.2%	2	$483
Jul 2026	171	75 43.9%	$465,844	$231,574 49.7%	$18,567 4.0%	$250,141 53.7%	$182,142 39.1%	$25,461 5.5%	$5,700 1.2%	1	$2,401
Aug 2026	116	47 40.5%	$327,282	$163,582 50.0%	$1,443 0.4%	$165,025 50.4%	$130,050 39.7%	$16,337 5.0%	$14,525 4.4%	0	$1,345
Sep 2026	46	17 37.0%	$138,775	$61,366 44.2%	$0 0.0%	$61,366 44.2%	$76,113 54.8%	$1,346 1.0%	$0 0.0%	part month	ok
TOTAL	5,068	1,537 30.3%	$13,506,429	$5,686,663 42.1%	$3,229,032 23.9%	$8,915,695 66.0%	$1,059,783 7.8%	$2,903,899 21.5%	$583,226 4.3%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	555	34.1%	$2,273	46.9%	54.5%	62.0%	72.4%	75.3%	75.9%	76.0%	$959,007	0.0%	17.8%	$1,279,695	$0.75
2024 Q2	547	33.8%	$2,224	43.1%	51.9%	60.1%	72.4%	74.6%	75.0%	75.2%	$914,823	0.0%	19.2%	$1,281,745	$0.71
2024 Q3	497	37.6%	$2,331	46.8%	53.9%	60.9%	70.1%	71.9%	72.4%	72.4%	$838,445	0.0%	22.4%	$1,398,238	$0.60
2024 Q4	407	27.8%	$2,731	39.0%	47.2%	55.8%	66.6%	68.9%	—	69.3%	$769,897	0.2%	24.3%	$1,352,373	$0.57
2025 Q1	542	22.3%	$2,778	35.9%	44.4%	53.1%	65.8%	68.4%	—	68.6%	$1,032,404	0.0%	25.6%	$1,117,898	$0.92
2025 Q2	512	20.1%	$2,817	35.6%	43.5%	51.8%	62.7%	—	—	64.4%	$928,142	0.0%	30.2%	$1,021,555	$0.91
2025 Q3	443	27.1%	$2,865	42.8%	49.5%	57.1%	67.3%	—	—	68.0%	$862,958	0.0%	27.6%	$1,054,768	$0.82
2025 Q4	415	31.6%	$2,975	44.8%	51.6%	59.3%	—	—	—	67.2%	$828,988	3.9%	26.4%	$1,294,259	$0.64
2026 Q1	407	28.0%	$2,937	40.4%	48.3%	55.8%	—	—	—	58.1%	$695,018	18.6%	19.9%	partial	—
2026 Q2	410	32.9%	$2,877	42.9%	49.1%	—	—	—	—	51.7%	$609,483	33.8%	11.7%	no data	—
2026 Q3	333	41.7%	$2,799	49.0%	—	—	—	—	—	51.1%	$476,532	41.7%	4.6%	no data	—

Month by month — Florida's own collection pattern

What this is. The same grid as the Month by month tab, but only Florida. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Florida’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$409,945	51.42%	3.14%	2.49%	2.97%	2.65%	2.00%	2.36%	2.01%	1.44%	1.18%	1.05%	1.12%	2.70%	$317,159	77.4%	$317,159	77.4%	31
Feb 2024	$360,729	52.42%	3.94%	3.29%	2.99%	2.03%	1.90%	2.09%	2.20%	2.19%	1.69%	1.49%	1.65%	2.24%	$295,216	81.8%	$295,216	81.8%	30
Mar 2024	$490,959	40.88%	4.11%	3.61%	2.75%	2.42%	2.67%	2.08%	1.96%	1.88%	1.78%	1.72%	1.42%	2.02%	$346,631	70.6%	$346,631	70.6%	29
Apr 2024	$416,660	34.24%	5.18%	3.29%	3.09%	2.90%	3.27%	2.91%	2.55%	2.31%	2.70%	2.22%	1.91%	2.45%	$296,421	71.1%	$296,421	71.1%	28
May 2024	$372,718	48.02%	4.13%	2.92%	2.47%	2.15%	2.28%	2.27%	2.06%	2.21%	2.08%	2.02%	0.70%	1.40%	$281,088	75.4%	$281,088	75.4%	27
Jun 2024	$427,251	50.18%	3.92%	3.88%	2.75%	2.73%	2.96%	2.78%	1.92%	1.80%	1.72%	1.72%	1.06%	1.19%	$337,314	78.9%	$337,314	78.9%	26
Jul 2024	$378,709	50.51%	3.55%	2.53%	2.40%	2.27%	2.14%	2.24%	2.11%	1.98%	1.45%	1.33%	0.84%	1.19%	$285,433	75.4%	$285,433	75.4%	25
Aug 2024	$402,008	49.81%	3.83%	3.74%	2.84%	2.27%	2.01%	1.91%	1.49%	1.60%	1.07%	1.30%	0.59%	1.54%	$298,165	74.2%	$298,165	74.2%	24
Sep 2024	$377,630	40.89%	4.01%	2.50%	3.12%	1.88%	2.26%	1.99%	2.57%	1.03%	1.57%	1.75%	0.88%	2.21%	$254,846	67.5%	$254,846	67.5%	23
Oct 2024	$326,970	43.84%	4.18%	3.36%	2.72%	2.71%	2.32%	3.09%	1.28%	1.61%	1.59%	1.54%	0.77%	1.21%	$231,240	70.7%	$231,240	70.7%	22
Nov 2024	$391,920	37.18%	5.13%	3.79%	3.28%	2.85%	2.92%	2.23%	2.15%	2.20%	1.78%	1.64%	1.56%	2.74%	$276,428	70.5%	$276,428	70.5%	21
Dec 2024	$392,498	36.93%	4.25%	3.60%	3.26%	2.97%	2.57%	2.32%	1.83%	1.89%	2.10%	1.84%	0.87%	1.55%	$262,229	66.8%	$262,229	66.8%	20
Jan 2025	$535,120	39.75%	4.24%	2.99%	3.06%	1.80%	2.41%	2.24%	2.01%	2.43%	2.42%	1.87%	0.75%	2.23%	$369,282	69.0%	$369,282	69.0%	19
Feb 2025	$430,549	31.75%	5.16%	4.47%	4.10%	3.40%	3.84%	3.10%	2.97%	3.02%	2.43%	2.64%	0.73%	1.75%	$301,836	70.1%	$301,836	70.1%	18
Mar 2025	$540,147	36.02%	4.41%	3.72%	2.46%	3.01%	2.66%	2.38%	2.55%	1.96%	2.38%	1.74%	1.02%	1.83%	$360,723	66.8%	$360,723	66.8%	17
Apr 2025	$438,780	39.81%	3.54%	3.31%	3.28%	2.65%	2.53%	2.27%	2.37%	2.12%	1.86%	1.91%	0.57%	1.34%	$298,376	68.0%	$298,376	68.0%	16
May 2025	$522,569	38.03%	3.58%	3.33%	2.78%	1.87%	2.56%	1.80%	1.69%	1.96%	1.40%	1.58%	0.58%	0.88%	$325,786	62.3%	$325,786	62.3%	15
Jun 2025	$480,876	31.17%	4.13%	3.90%	3.33%	3.13%	2.74%	2.45%	2.55%	2.25%	2.27%	2.07%	1.05%	1.36%	$303,664	63.1%	$304,842	63.4%	14
Jul 2025	$460,380	38.22%	3.76%	3.27%	2.61%	2.51%	2.32%	1.97%	2.52%	2.36%	1.79%	1.81%	1.10%	1.36%	$300,853	65.3%	$304,904	66.2%	13
Aug 2025	$461,265	45.21%	3.11%	3.36%	2.49%	2.84%	2.32%	1.71%	1.59%	1.86%	1.83%	1.48%	1.13%	1.36%	$321,372	69.7%	$327,398	71.0%	12
Sep 2025	$347,449	46.75%	2.89%	2.67%	2.70%	2.40%	2.41%	2.22%	1.94%	2.50%	0.98%	1.10%	0.44%	1.36%	$239,775	69.0%	$244,485	70.4%	11
Oct 2025	$473,397	47.85%	3.04%	2.74%	2.74%	2.17%	2.12%	1.99%	1.75%	1.81%	1.55%	1.30%	0.93%	1.36%	$326,879	69.0%	$337,699	71.3%	10
Nov 2025	$376,500	40.77%	3.92%	3.74%	3.01%	3.23%	3.15%	2.84%	2.35%	2.28%	1.83%	1.31%	0.93%	1.36%	$252,780	67.1%	$266,325	70.7%	9
Dec 2025	$384,541	46.36%	2.92%	2.90%	3.09%	1.86%	1.91%	1.46%	1.66%	1.37%	1.48%	1.31%	0.93%	1.36%	$244,316	63.5%	$263,823	68.6%	8
Jan 2026	$487,251	41.17%	3.93%	3.13%	2.68%	2.06%	2.68%	1.80%	1.35%	1.82%	1.48%	1.31%	0.93%	1.36%	$286,520	58.8%	$320,083	65.7%	7
Feb 2026	$329,290	42.26%	3.62%	2.85%	2.91%	3.38%	2.29%	1.95%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$195,154	59.3%	$223,587	67.9%	6
Mar 2026	$378,910	41.41%	3.71%	3.01%	2.31%	2.22%	1.99%	1.73%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$207,103	54.7%	$246,382	65.0%	5
Apr 2026	$309,460	34.06%	3.38%	3.35%	2.30%	2.84%	2.35%	1.73%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$142,129	45.9%	$181,493	58.6%	4
May 2026	$430,627	47.32%	3.85%	2.37%	1.84%	2.79%	2.35%	1.73%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$238,483	55.4%	$305,260	70.9%	3
Jun 2026	$439,420	45.52%	2.83%	2.19%	2.12%	2.79%	2.35%	1.73%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$222,099	50.5%	$299,573	68.2%	2
Jul 2026	$465,844	50.67%	2.63%	2.56%	2.12%	2.79%	2.35%	1.73%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$248,267	53.3%	$342,334	73.5%	1
Aug 2026	$327,282	49.82%	3.09%	2.56%	2.12%	2.79%	2.35%	1.73%	1.75%	1.82%	1.48%	1.31%	0.93%	1.36%	$163,037	49.8%	$239,233	73.1%	0
AVERAGE (settled months)	$8,617,683	41.41%	4.06%	3.38%	2.93%	2.55%	2.55%	2.30%	2.13%	2.02%	1.87%	1.74%	1.01%	1.59%	$6,065,169	70.4%
ALL MONTHS (excl. the part month)	$13,367,654														$8,830,604	66.1%	$9,383,388	70.2%

Boston — 4,347 sales, $10,565,025 booked

1,107 of them (25.5%) paid in full on the day, worth $2,206,682.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	149	43 28.9%	$379,637	$193,997 51.1%	$97,173 25.6%	$291,170 76.7%	$0 0.0%	$57,827 15.2%	$30,692 8.1%	31	ok
Feb 2024	139	48 34.5%	$363,601	$180,021 49.5%	$112,741 31.0%	$292,762 80.5%	$0 0.0%	$50,661 13.9%	$21,319 5.9%	30	$-1,141
Mar 2024	165	48 29.1%	$394,669	$172,624 43.7%	$137,314 34.8%	$309,938 78.5%	$0 0.0%	$69,072 17.5%	$15,682 4.0%	29	ok
Apr 2024	138	43 31.2%	$342,195	$158,475 46.3%	$116,380 34.0%	$274,855 80.3%	$0 0.0%	$51,665 15.1%	$15,725 4.6%	28	ok
May 2024	128	43 33.6%	$314,642	$156,411 49.7%	$94,070 29.9%	$250,481 79.6%	$0 0.0%	$48,138 15.3%	$16,088 5.1%	27	ok
Jun 2024	121	33 27.3%	$278,657	$126,547 45.4%	$90,913 32.6%	$217,460 78.0%	$0 0.0%	$44,414 15.9%	$16,815 6.0%	26	ok
Jul 2024	149	34 22.8%	$316,951	$124,289 39.2%	$122,442 38.6%	$246,731 77.8%	$135 0.0%	$56,661 17.9%	$13,183 4.2%	25	$241
Aug 2024	130	46 35.4%	$303,083	$160,252 52.9%	$89,239 29.4%	$249,491 82.3%	$0 0.0%	$43,263 14.3%	$10,329 3.4%	24	ok
Sep 2024	129	30 23.3%	$325,199	$119,558 36.8%	$127,195 39.1%	$246,753 75.9%	$0 0.0%	$58,904 18.1%	$18,642 5.7%	23	$900
Oct 2024	132	30 22.7%	$294,092	$102,103 34.7%	$110,590 37.6%	$212,693 72.3%	$0 0.0%	$67,693 23.0%	$13,888 4.7%	22	$-182
Nov 2024	146	42 28.8%	$354,441	$131,668 37.1%	$109,482 30.9%	$241,150 68.0%	$0 0.0%	$94,395 26.6%	$19,176 5.4%	21	$-280
Dec 2024	99	26 26.3%	$232,820	$88,243 37.9%	$87,771 37.7%	$176,014 75.6%	$0 0.0%	$48,453 20.8%	$8,075 3.5%	20	$278
Jan 2025	137	43 31.4%	$250,488	$99,026 39.5%	$80,158 32.0%	$179,184 71.5%	$0 0.0%	$60,616 24.2%	$10,548 4.2%	19	$140
Feb 2025	169	48 28.4%	$452,273	$192,634 42.6%	$128,850 28.5%	$321,484 71.1%	$0 0.0%	$102,368 22.6%	$27,762 6.1%	18	$660
Mar 2025	193	44 22.8%	$474,799	$180,914 38.1%	$150,682 31.7%	$331,596 69.8%	$0 0.0%	$117,534 24.8%	$25,877 5.5%	17	ok
Apr 2025	175	31 17.7%	$428,557	$142,487 33.2%	$142,021 33.1%	$284,508 66.4%	$338 0.1%	$123,745 28.9%	$19,821 4.6%	16	ok
May 2025	175	32 18.3%	$412,316	$136,827 33.2%	$131,890 32.0%	$268,717 65.2%	$330 0.1%	$131,560 31.9%	$11,649 2.8%	15	ok
Jun 2025	150	23 15.3%	$363,709	$122,509 33.7%	$134,944 37.1%	$257,453 70.8%	$0 0.0%	$82,614 22.7%	$23,387 6.4%	14	$255
Jul 2025	140	34 24.3%	$285,148	$114,503 40.2%	$101,400 35.6%	$215,903 75.7%	$0 0.0%	$66,459 23.3%	$2,795 1.0%	13	ok
Aug 2025	118	30 25.4%	$265,425	$97,280 36.7%	$91,518 34.5%	$188,798 71.1%	$0 0.0%	$75,240 28.3%	$1,300 0.5%	12	ok
Sep 2025	100	21 21.0%	$214,470	$63,645 29.7%	$76,198 35.5%	$139,843 65.2%	$0 0.0%	$72,877 34.0%	$1,754 0.8%	11	ok
Oct 2025	90	34 37.8%	$180,999	$70,709 39.1%	$60,204 33.3%	$130,913 72.3%	$935 0.5%	$42,642 23.6%	$5,125 2.8%	10	$1,383
Nov 2025	116	23 19.8%	$310,128	$117,618 37.9%	$82,807 26.7%	$200,426 64.6%	$15,527 5.0%	$83,746 27.0%	$8,925 2.9%	9	$1,504
Dec 2025	105	19 18.1%	$266,975	$98,298 36.8%	$64,285 24.1%	$162,583 60.9%	$32,613 12.2%	$65,865 24.7%	$5,538 2.1%	8	$377
Jan 2026	119	30 25.2%	$344,552	$139,255 40.4%	$64,975 18.9%	$204,230 59.3%	$53,761 15.6%	$71,854 20.9%	$13,230 3.8%	7	$1,477
Feb 2026	119	32 26.9%	$286,669	$108,710 37.9%	$50,043 17.5%	$158,753 55.4%	$62,061 21.6%	$60,942 21.3%	$4,606 1.6%	6	$307
Mar 2026	92	17 18.5%	$256,186	$73,836 28.8%	$40,371 15.8%	$114,207 44.6%	$76,920 30.0%	$53,625 20.9%	$10,007 3.9%	5	$1,428
Apr 2026	99	20 20.2%	$254,232	$106,106 41.7%	$27,543 10.8%	$133,649 52.6%	$71,551 28.1%	$37,938 14.9%	$9,500 3.7%	4	$1,594
May 2026	118	37 31.4%	$296,234	$130,477 44.0%	$25,851 8.7%	$156,328 52.8%	$89,384 30.2%	$33,964 11.5%	$15,700 5.3%	3	$858
Jun 2026	131	27 20.6%	$326,991	$111,749 34.2%	$27,749 8.5%	$139,497 42.7%	$134,719 41.2%	$34,314 10.5%	$17,600 5.4%	2	$860
Jul 2026	165	52 31.5%	$423,036	$157,236 37.2%	$15,203 3.6%	$172,439 40.8%	$200,698 47.4%	$30,645 7.2%	$16,700 3.9%	1	$2,554
Aug 2026	154	33 21.4%	$408,966	$118,481 29.0%	$12,685 3.1%	$131,166 32.1%	$249,189 60.9%	$19,979 4.9%	$6,550 1.6%	0	$2,082
Sep 2026	57	11 19.3%	$162,885	$41,890 25.7%	$80 0.0%	$41,970 25.8%	$116,341 71.4%	$374 0.2%	$3,200 2.0%	part month	$1,000
TOTAL	4,347	1,107 25.5%	$10,565,025	$4,138,378 39.2%	$2,804,769 26.5%	$6,943,147 65.7%	$1,104,502 10.5%	$2,060,046 19.5%	$441,187 4.2%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	453	30.7%	$2,512	48.0%	58.0%	66.6%	76.7%	78.2%	78.5%	78.6%	$893,870	0.0%	15.6%	$1,279,695	$0.70
2024 Q2	387	30.7%	$2,417	47.2%	57.1%	66.9%	77.3%	79.1%	79.3%	79.4%	$742,797	0.0%	15.4%	$1,281,745	$0.58
2024 Q3	408	27.0%	$2,317	42.8%	52.6%	63.1%	75.9%	78.1%	78.6%	78.6%	$742,975	0.0%	16.8%	$1,398,238	$0.53
2024 Q4	377	26.0%	$2,338	36.5%	46.7%	56.2%	68.1%	70.9%	—	71.5%	$629,857	0.0%	23.9%	$1,352,373	$0.47
2025 Q1	499	27.1%	$2,360	40.1%	47.9%	56.9%	67.7%	70.6%	—	70.7%	$832,264	0.0%	23.8%	$1,117,898	$0.74
2025 Q2	500	17.2%	$2,409	33.4%	41.8%	51.1%	64.9%	—	—	67.3%	$810,679	0.1%	28.1%	$1,021,555	$0.79
2025 Q3	358	23.7%	$2,137	36.0%	45.2%	55.4%	70.1%	—	—	71.2%	$544,544	0.0%	28.0%	$1,054,768	$0.52
2025 Q4	311	24.4%	$2,438	37.8%	46.0%	55.7%	—	—	—	65.2%	$493,922	6.5%	25.4%	$1,294,259	$0.38
2026 Q1	330	23.9%	$2,689	36.3%	43.1%	51.1%	—	—	—	53.8%	$477,190	21.7%	21.0%	partial	—
2026 Q2	348	24.1%	$2,521	39.7%	46.2%	—	—	—	—	48.9%	$429,475	33.7%	12.1%	no data	—
2026 Q3	376	25.5%	$2,646	31.9%	—	—	—	—	—	34.7%	$345,575	56.9%	5.1%	no data	—

Month by month — Boston's own collection pattern

What this is. The same grid as the Month by month tab, but only Boston. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Boston’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$379,637	52.73%	3.70%	2.85%	3.43%	2.12%	2.14%	1.95%	1.65%	1.29%	1.27%	1.10%	0.53%	1.61%	$291,170	76.7%	$291,170	76.7%	31
Feb 2024	$363,601	51.17%	4.70%	4.41%	3.84%	3.17%	1.86%	2.15%	2.20%	2.02%	1.48%	1.27%	0.44%	1.61%	$292,762	80.5%	$292,762	80.5%	30
Mar 2024	$394,669	45.82%	4.39%	4.57%	3.37%	2.99%	2.67%	2.23%	2.74%	2.24%	2.21%	2.01%	1.43%	0.93%	$309,938	78.5%	$309,938	78.5%	29
Apr 2024	$342,195	47.83%	4.76%	3.74%	3.64%	3.89%	2.96%	2.72%	2.09%	2.01%	2.10%	1.41%	0.98%	1.27%	$274,855	80.3%	$274,855	80.3%	28
May 2024	$314,642	50.45%	4.42%	3.67%	3.84%	3.27%	2.70%	2.26%	1.89%	1.77%	1.60%	1.08%	0.96%	0.91%	$250,481	79.6%	$250,481	79.6%	27
Jun 2024	$278,657	46.52%	5.65%	4.19%	3.40%	3.11%	2.61%	1.99%	2.26%	1.56%	1.65%	2.06%	0.75%	1.72%	$217,460	78.0%	$217,460	78.0%	26
Jul 2024	$316,951	39.25%	5.26%	5.19%	4.46%	3.92%	3.45%	3.11%	2.67%	2.46%	2.66%	2.12%	0.97%	1.42%	$246,731	77.8%	$246,731	77.8%	25
Aug 2024	$303,083	52.71%	4.61%	3.30%	2.96%	2.97%	2.22%	2.46%	2.43%	2.52%	1.69%	1.49%	0.75%	1.42%	$249,491	82.3%	$249,491	82.3%	24
Sep 2024	$325,199	37.39%	6.35%	4.24%	3.70%	3.54%	3.99%	2.81%	2.53%	2.18%	2.15%	1.95%	1.52%	2.23%	$246,753	75.9%	$246,753	75.9%	23
Oct 2024	$294,092	35.70%	4.97%	3.64%	3.91%	3.18%	3.40%	3.09%	2.43%	3.14%	2.05%	2.03%	1.46%	2.23%	$212,693	72.3%	$212,693	72.3%	22
Nov 2024	$354,441	37.19%	4.52%	4.11%	2.96%	2.86%	2.15%	1.91%	2.18%	1.78%	2.44%	1.40%	0.44%	3.68%	$241,150	68.0%	$241,150	68.0%	21
Dec 2024	$232,820	39.86%	6.67%	4.64%	4.01%	3.08%	3.37%	2.40%	2.74%	2.16%	1.57%	1.87%	0.94%	1.47%	$176,014	75.6%	$176,014	75.6%	20
Jan 2025	$250,488	40.20%	4.08%	3.99%	3.79%	2.65%	2.54%	2.04%	1.95%	2.13%	2.06%	1.37%	1.00%	2.84%	$179,104	71.5%	$179,104	71.5%	19
Feb 2025	$452,273	43.02%	3.69%	3.17%	3.00%	3.00%	2.51%	1.95%	1.96%	1.70%	1.48%	1.29%	1.00%	2.48%	$321,484	71.1%	$321,484	71.1%	18
Mar 2025	$474,799	38.69%	3.70%	3.47%	3.33%	3.03%	3.16%	2.24%	2.52%	2.32%	2.24%	1.85%	0.97%	1.70%	$331,596	69.8%	$331,596	69.8%	17
Apr 2025	$428,557	33.52%	4.63%	4.14%	2.55%	3.19%	2.68%	2.43%	2.59%	2.22%	2.49%	2.11%	1.34%	1.77%	$283,931	66.3%	$283,931	66.3%	16
May 2025	$412,316	33.20%	4.49%	3.53%	2.71%	3.28%	2.56%	3.16%	2.36%	2.03%	2.16%	1.85%	1.19%	1.55%	$267,725	64.9%	$267,725	64.9%	15
Jun 2025	$363,709	33.78%	4.28%	3.93%	4.54%	3.23%	3.36%	3.00%	3.00%	2.71%	2.69%	2.21%	2.07%	1.67%	$257,403	70.8%	$259,207	71.3%	14
Jul 2025	$285,148	40.79%	5.21%	3.78%	3.33%	3.38%	2.88%	3.03%	3.17%	3.20%	2.34%	1.84%	1.07%	1.67%	$215,903	75.7%	$219,651	77.0%	13
Aug 2025	$265,425	38.01%	4.05%	3.86%	3.11%	3.44%	2.39%	3.29%	2.42%	2.15%	1.71%	1.95%	3.44%	1.67%	$188,490	71.0%	$192,625	72.6%	12
Sep 2025	$214,470	29.82%	4.32%	3.96%	5.21%	3.83%	3.46%	3.22%	3.21%	2.51%	2.34%	2.39%	0.84%	1.67%	$139,626	65.1%	$143,216	66.8%	11
Oct 2025	$180,999	39.33%	4.62%	3.81%	4.96%	3.52%	3.06%	3.12%	3.12%	2.43%	2.13%	1.90%	1.83%	1.67%	$130,304	72.0%	$136,649	75.5%	10
Nov 2025	$310,128	39.25%	3.78%	3.60%	2.96%	2.52%	2.74%	2.54%	2.58%	2.29%	1.94%	2.08%	1.83%	1.67%	$199,101	64.2%	$216,430	69.8%	9
Dec 2025	$266,975	37.15%	3.84%	3.08%	4.17%	3.42%	2.49%	1.95%	2.28%	2.07%	2.11%	2.08%	1.83%	1.67%	$161,377	60.4%	$181,925	68.1%	8
Jan 2026	$344,552	40.66%	3.44%	2.74%	2.56%	3.18%	2.49%	2.33%	1.73%	2.25%	2.11%	2.08%	1.83%	1.67%	$203,699	59.1%	$237,959	69.1%	7
Feb 2026	$286,669	38.74%	3.69%	2.84%	2.81%	2.36%	2.28%	2.31%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$157,760	55.0%	$192,503	67.2%	6
Mar 2026	$256,186	29.24%	3.28%	3.13%	2.84%	2.73%	2.82%	2.21%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$112,846	44.0%	$149,563	58.4%	5
Apr 2026	$254,232	41.85%	2.78%	2.58%	2.33%	2.35%	2.52%	2.21%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$131,934	51.9%	$174,771	68.7%	4
May 2026	$296,234	44.14%	2.87%	2.82%	2.65%	2.48%	2.52%	2.21%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$155,456	52.5%	$212,715	71.8%	3
Jun 2026	$326,991	34.17%	3.88%	3.99%	2.61%	2.48%	2.52%	2.21%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$137,497	42.0%	$209,231	64.0%	2
Jul 2026	$423,036	36.97%	3.00%	3.19%	2.61%	2.48%	2.52%	2.21%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$169,057	40.0%	$275,351	65.1%	1
Aug 2026	$408,966	30.93%	3.24%	3.19%	2.61%	2.48%	2.52%	2.21%	2.18%	2.25%	2.11%	2.08%	1.83%	1.67%	$126,481	30.9%	$242,477	59.3%	0
AVERAGE (settled months)	$6,832,702	41.77%	4.62%	3.89%	3.45%	3.16%	2.77%	2.49%	2.38%	2.16%	2.02%	1.71%	1.14%	1.65%	$5,057,142	74.0%
ALL MONTHS (excl. the part month)	$10,402,140														$6,880,271	66.1%	$7,476,165	71.9%

Nashville — 3,502 sales, $8,551,506 booked

726 of them (20.7%) paid in full on the day, worth $1,685,579.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Sep 2024	158	50 31.6%	$373,079	$161,369 43.3%	$101,826 27.3%	$263,195 70.5%	$0 0.0%	$92,613 24.8%	$15,965 4.3%	23	$1,305
Oct 2024	171	36 21.1%	$385,965	$129,248 33.5%	$142,722 37.0%	$271,969 70.5%	$0 0.0%	$101,128 26.2%	$13,107 3.4%	22	$-240
Nov 2024	156	52 33.3%	$386,495	$174,055 45.0%	$111,478 28.8%	$285,533 73.9%	$0 0.0%	$91,180 23.6%	$9,786 2.5%	21	ok
Dec 2024	134	35 26.1%	$310,390	$111,437 35.9%	$110,628 35.6%	$222,065 71.5%	$0 0.0%	$79,033 25.5%	$9,298 3.0%	20	ok
Jan 2025	129	29 22.5%	$330,188	$119,321 36.1%	$115,231 34.9%	$234,552 71.0%	$0 0.0%	$85,545 25.9%	$10,095 3.1%	19	ok
Feb 2025	146	36 24.7%	$352,904	$137,042 38.8%	$99,541 28.2%	$236,583 67.0%	$65 0.0%	$109,714 31.1%	$6,542 1.9%	18	ok
Mar 2025	171	39 22.8%	$388,680	$142,457 36.7%	$110,578 28.4%	$253,035 65.1%	$0 0.0%	$118,673 30.5%	$15,778 4.1%	17	$1,194
Apr 2025	145	17 11.7%	$357,912	$95,114 26.6%	$105,787 29.6%	$200,901 56.1%	$0 0.0%	$137,702 38.5%	$19,283 5.4%	16	ok
May 2025	145	22 15.2%	$399,699	$103,534 25.9%	$115,574 28.9%	$219,108 54.8%	$0 0.0%	$163,185 40.8%	$17,365 4.3%	15	ok
Jun 2025	137	28 20.4%	$381,324	$137,504 36.1%	$91,597 24.0%	$229,101 60.1%	$0 0.0%	$137,216 36.0%	$14,620 3.8%	14	$387
Jul 2025	134	30 22.4%	$354,190	$130,248 36.8%	$91,012 25.7%	$221,260 62.5%	$575 0.2%	$117,499 33.2%	$14,750 4.2%	13	ok
Aug 2025	164	21 12.8%	$410,206	$131,331 32.0%	$108,015 26.3%	$239,346 58.3%	$1,400 0.3%	$154,408 37.6%	$14,676 3.6%	12	$376
Sep 2025	134	19 14.2%	$315,139	$98,688 31.3%	$97,433 30.9%	$196,121 62.2%	$110 0.0%	$111,476 35.4%	$5,451 1.7%	11	$1,980
Oct 2025	136	28 20.6%	$314,209	$112,954 35.9%	$92,690 29.5%	$205,644 65.4%	$4,413 1.4%	$101,932 32.4%	$2,080 0.7%	10	ok
Nov 2025	136	21 15.4%	$300,750	$76,995 25.6%	$71,839 23.9%	$148,834 49.5%	$27,547 9.2%	$113,324 37.7%	$9,725 3.2%	9	$1,320
Dec 2025	131	16 12.2%	$307,754	$93,594 30.4%	$68,049 22.1%	$161,643 52.5%	$50,093 16.3%	$92,158 29.9%	$2,828 0.9%	8	$1,032
Jan 2026	133	25 18.8%	$354,705	$139,275 39.3%	$64,328 18.1%	$203,603 57.4%	$63,819 18.0%	$79,499 22.4%	$5,300 1.5%	7	$2,485
Feb 2026	160	23 14.4%	$427,125	$124,369 29.1%	$104,966 24.6%	$229,335 53.7%	$109,857 25.7%	$80,808 18.9%	$5,000 1.2%	6	$2,125
Mar 2026	129	22 17.1%	$314,450	$96,315 30.6%	$43,656 13.9%	$139,971 44.5%	$103,473 32.9%	$66,821 21.3%	$3,700 1.2%	5	$484
Apr 2026	118	17 14.4%	$292,815	$88,599 30.3%	$31,923 10.9%	$120,522 41.2%	$98,695 33.7%	$65,809 22.5%	$6,251 2.1%	4	$1,538
May 2026	168	42 25.0%	$367,350	$115,230 31.4%	$38,314 10.4%	$153,544 41.8%	$160,186 43.6%	$52,003 14.2%	$0 0.0%	3	$1,617
Jun 2026	135	40 29.6%	$347,390	$143,415 41.3%	$24,112 6.9%	$167,527 48.2%	$136,801 39.4%	$38,027 10.9%	$2,825 0.8%	2	$2,210
Jul 2026	136	34 25.0%	$316,362	$108,066 34.2%	$13,410 4.2%	$121,477 38.4%	$168,723 53.3%	$20,915 6.6%	$2,500 0.8%	1	$2,747
Aug 2026	143	34 23.8%	$338,425	$127,915 37.8%	$4,108 1.2%	$132,023 39.0%	$182,053 53.8%	$18,416 5.4%	$2,000 0.6%	0	$3,933
Sep 2026	53	10 18.9%	$124,000	$43,640 35.2%	$200 0.2%	$43,840 35.4%	$76,601 61.8%	$3,559 2.9%	$0 0.0%	part month	ok
TOTAL	3,502	726 20.7%	$8,551,506	$2,941,715 34.4%	$1,959,018 22.9%	$4,900,732 57.3%	$1,184,412 13.9%	$2,232,645 26.1%	$208,924 2.4%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q3	158	31.6%	$2,361	43.3%	51.1%	59.1%	68.8%	70.0%	70.5%	70.5%	$263,195	0.0%	24.8%	$1,398,238	$0.19
2024 Q4	461	26.7%	$2,349	38.3%	47.5%	56.8%	69.8%	71.5%	—	72.0%	$779,568	0.0%	25.1%	$1,352,373	$0.58
2025 Q1	446	23.3%	$2,403	37.2%	45.5%	53.8%	65.4%	67.4%	—	67.6%	$724,169	0.0%	29.3%	$1,117,898	$0.65
2025 Q2	427	15.7%	$2,667	29.5%	36.9%	44.8%	55.1%	—	—	57.0%	$649,110	0.0%	38.5%	$1,021,555	$0.64
2025 Q3	432	16.2%	$2,499	33.4%	41.1%	49.4%	60.4%	—	—	60.8%	$656,727	0.2%	35.5%	$1,054,768	$0.62
2025 Q4	403	16.1%	$2,290	30.7%	38.7%	46.9%	—	—	—	55.9%	$516,121	8.9%	33.3%	$1,294,259	$0.40
2026 Q1	422	16.6%	$2,598	32.8%	41.7%	49.4%	—	—	—	52.3%	$572,909	25.3%	20.7%	partial	—
2026 Q2	421	23.5%	$2,393	34.5%	41.1%	—	—	—	—	43.8%	$441,593	39.3%	15.5%	no data	—
2026 Q3	332	23.5%	$2,346	35.9%	—	—	—	—	—	38.2%	$297,339	54.9%	5.5%	no data	—

Month by month — Nashville's own collection pattern

What this is. The same grid as the Month by month tab, but only Nashville. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Nashville’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Sep 2024	$373,079	43.44%	3.88%	3.83%	2.69%	2.82%	2.47%	2.07%	1.79%	1.66%	1.91%	1.36%	0.86%	1.04%	$263,119	70.5%	$263,119	70.5%	23
Oct 2024	$385,965	34.89%	4.64%	4.02%	5.09%	2.93%	2.75%	2.71%	2.65%	2.55%	2.24%	2.03%	1.17%	2.05%	$271,969	70.5%	$271,969	70.5%	22
Nov 2024	$386,495	45.50%	4.26%	4.01%	2.94%	2.83%	2.14%	2.87%	2.10%	1.99%	1.93%	1.43%	0.66%	0.86%	$285,533	73.9%	$285,533	73.9%	21
Dec 2024	$310,390	36.07%	4.43%	3.97%	3.44%	3.18%	2.86%	3.33%	2.92%	3.10%	2.27%	2.40%	0.88%	2.12%	$222,065	71.5%	$222,065	71.5%	20
Jan 2025	$330,188	36.44%	5.10%	3.50%	3.54%	3.11%	2.94%	2.66%	3.05%	2.42%	2.37%	2.19%	0.80%	2.21%	$234,552	71.0%	$234,552	71.0%	19
Feb 2025	$352,904	39.17%	3.89%	3.91%	2.81%	2.58%	2.44%	2.71%	2.12%	2.02%	1.63%	1.73%	0.31%	1.49%	$236,428	67.0%	$236,428	67.0%	18
Mar 2025	$388,680	37.00%	4.26%	3.20%	2.73%	2.62%	2.38%	2.55%	2.48%	2.29%	1.45%	1.49%	0.58%	1.47%	$253,035	65.1%	$253,035	65.1%	17
Apr 2025	$357,912	26.62%	4.38%	3.71%	3.49%	3.46%	2.41%	2.57%	1.95%	1.77%	1.64%	1.50%	0.70%	1.37%	$200,821	56.1%	$200,821	56.1%	16
May 2025	$399,699	26.22%	4.23%	3.14%	3.03%	2.71%	2.38%	2.86%	1.94%	1.82%	2.05%	1.91%	1.06%	0.92%	$219,108	54.8%	$219,108	54.8%	15
Jun 2025	$381,324	36.15%	3.47%	2.84%	2.36%	1.86%	1.91%	1.71%	1.59%	1.47%	1.39%	1.98%	1.02%	1.25%	$229,101	60.1%	$229,101	60.1%	14
Jul 2025	$354,190	37.42%	3.24%	3.59%	2.47%	2.49%	2.31%	2.04%	2.22%	1.63%	1.46%	1.48%	1.11%	1.25%	$220,635	62.3%	$222,970	63.0%	13
Aug 2025	$410,206	32.19%	3.84%	3.32%	2.67%	3.09%	2.44%	1.91%	1.65%	2.14%	2.09%	2.03%	0.71%	1.25%	$239,112	58.3%	$243,992	59.5%	12
Sep 2025	$315,139	32.31%	3.95%	3.45%	3.60%	3.21%	2.95%	2.50%	2.50%	2.70%	2.02%	2.08%	0.87%	1.25%	$195,840	62.1%	$199,768	63.4%	11
Oct 2025	$314,209	37.04%	3.83%	3.20%	3.45%	2.79%	3.03%	2.84%	2.49%	2.20%	2.22%	2.21%	0.89%	1.25%	$205,176	65.3%	$211,887	67.4%	10
Nov 2025	$300,750	26.04%	5.57%	2.63%	2.79%	2.27%	2.29%	2.26%	1.96%	1.89%	1.47%	2.10%	0.89%	1.25%	$147,790	49.1%	$160,524	53.4%	9
Dec 2025	$307,754	30.56%	3.64%	3.23%	3.34%	2.42%	2.35%	2.65%	2.12%	1.83%	1.91%	2.10%	0.89%	1.25%	$160,441	52.1%	$179,342	58.3%	8
Jan 2026	$354,705	39.42%	3.61%	3.33%	2.52%	2.14%	1.99%	2.13%	1.75%	1.97%	1.91%	2.10%	0.89%	1.25%	$201,818	56.9%	$230,601	65.0%	7
Feb 2026	$427,125	29.57%	5.65%	5.42%	3.50%	3.42%	2.86%	2.53%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$226,158	52.9%	$269,076	63.0%	6
Mar 2026	$314,450	30.97%	4.45%	2.46%	2.08%	2.20%	1.85%	2.43%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$138,397	44.0%	$177,647	56.5%	5
Apr 2026	$292,815	30.28%	2.90%	2.50%	2.41%	2.32%	2.29%	2.43%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$118,340	40.4%	$161,596	55.2%	4
May 2026	$367,350	32.21%	3.68%	3.04%	2.40%	2.74%	2.29%	2.43%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$151,828	41.3%	$216,155	58.8%	3
Jun 2026	$347,390	42.22%	2.96%	2.73%	2.30%	2.74%	2.29%	2.43%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$166,440	47.9%	$235,257	67.7%	2
Jul 2026	$316,362	34.25%	3.12%	2.78%	2.30%	2.74%	2.29%	2.43%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$118,209	37.4%	$189,663	60.0%	1
Aug 2026	$338,425	38.53%	3.26%	2.78%	2.30%	2.74%	2.29%	2.43%	1.93%	1.97%	1.91%	2.10%	0.89%	1.25%	$130,380	38.5%	$217,860	64.4%	0
AVERAGE (settled months)	$4,431,032	35.87%	4.13%	3.58%	3.10%	2.80%	2.44%	2.48%	2.18%	2.06%	1.86%	1.79%	0.82%	1.26%	$2,876,648	64.9%
ALL MONTHS (excl. the part month)	$8,427,506														$4,836,294	57.4%	$5,353,268	63.5%

Chicago — 2,241 sales, $5,534,821 booked

549 of them (24.5%) paid in full on the day, worth $1,014,698.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Aug 2025	114	23 20.2%	$260,150	$70,141 27.0%	$64,601 24.8%	$134,742 51.8%	$0 0.0%	$110,682 42.5%	$14,425 5.5%	12	$301
Sep 2025	148	30 20.3%	$340,848	$94,423 27.7%	$98,559 28.9%	$192,982 56.6%	$1,125 0.3%	$133,963 39.3%	$12,591 3.7%	11	$188
Oct 2025	166	34 20.5%	$397,692	$122,483 30.8%	$113,805 28.6%	$236,288 59.4%	$14,711 3.7%	$137,615 34.6%	$8,600 2.2%	10	$477
Nov 2025	166	33 19.9%	$438,741	$152,231 34.7%	$116,640 26.6%	$268,871 61.3%	$22,660 5.2%	$139,863 31.9%	$7,030 1.6%	9	$317
Dec 2025	151	40 26.5%	$380,962	$164,335 43.1%	$79,984 21.0%	$244,319 64.1%	$48,104 12.6%	$85,439 22.4%	$3,100 0.8%	8	ok
Jan 2026	186	62 33.3%	$415,950	$148,290 35.7%	$86,394 20.8%	$234,684 56.4%	$73,628 17.7%	$92,797 22.3%	$12,716 3.1%	7	$2,125
Feb 2026	156	34 21.8%	$381,106	$122,412 32.1%	$60,102 15.8%	$182,514 47.9%	$92,227 24.2%	$98,519 25.9%	$7,387 1.9%	6	$459
Mar 2026	212	39 18.4%	$514,137	$166,092 32.3%	$64,706 12.6%	$230,798 44.9%	$151,875 29.5%	$123,428 24.0%	$5,900 1.1%	5	$2,137
Apr 2026	187	44 23.5%	$517,324	$193,874 37.5%	$43,825 8.5%	$237,698 45.9%	$180,547 34.9%	$89,951 17.4%	$6,475 1.3%	4	$2,651
May 2026	175	44 25.1%	$462,701	$168,881 36.5%	$43,293 9.4%	$212,174 45.9%	$180,263 39.0%	$62,989 13.6%	$5,371 1.2%	3	$1,904
Jun 2026	159	41 25.8%	$385,807	$153,194 39.7%	$26,908 7.0%	$180,102 46.7%	$162,005 42.0%	$29,647 7.7%	$12,900 3.3%	2	$1,153
Jul 2026	156	41 26.3%	$387,581	$139,788 36.1%	$19,693 5.1%	$159,481 41.1%	$193,086 49.8%	$26,034 6.7%	$5,450 1.4%	1	$3,530
Aug 2026	195	65 33.3%	$475,745	$204,933 43.1%	$12,101 2.5%	$217,034 45.6%	$230,307 48.4%	$21,448 4.5%	$5,550 1.2%	0	$1,406
Sep 2026	70	19 27.1%	$176,078	$64,698 36.7%	$0 0.0%	$64,698 36.7%	$107,368 61.0%	$563 0.3%	$3,450 2.0%	part month	ok
TOTAL	2,241	549 24.5%	$5,534,821	$1,965,774 35.5%	$830,611 15.0%	$2,796,385 50.5%	$1,457,905 26.3%	$1,152,939 20.8%	$110,945 2.0%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2025 Q3	262	20.2%	$2,294	27.4%	34.2%	41.9%	53.6%	—	—	54.5%	$327,724	0.2%	40.7%	$1,054,768	$0.31
2025 Q4	483	22.2%	$2,520	36.1%	43.3%	52.2%	—	—	—	61.6%	$749,478	7.0%	29.8%	$1,294,259	$0.58
2026 Q1	554	24.4%	$2,367	33.3%	40.0%	47.0%	—	—	—	49.4%	$647,996	24.2%	24.0%	partial	—
2026 Q2	521	24.8%	$2,622	37.8%	43.2%	—	—	—	—	46.1%	$629,974	38.3%	13.4%	no data	—
2026 Q3	421	29.7%	$2,469	39.4%	—	—	—	—	—	42.4%	$441,213	51.1%	4.6%	no data	—

Month by month — Chicago's own collection pattern

What this is. The same grid as the Month by month tab, but only Chicago. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Chicago’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Aug 2025	$260,150	27.63%	2.74%	2.55%	2.02%	2.35%	2.16%	1.81%	1.71%	1.76%	2.94%	1.67%	1.11%	0.00%	$134,129	51.6%	$134,129	51.6%	12
Sep 2025	$340,848	28.00%	3.86%	3.36%	3.04%	2.71%	2.78%	2.43%	2.56%	2.02%	2.08%	1.98%	1.18%	0.00%	$190,826	56.0%	$190,826	56.0%	11
Oct 2025	$397,692	31.20%	3.17%	3.57%	3.22%	3.04%	2.99%	2.67%	2.62%	2.64%	2.40%	1.58%	1.15%	0.00%	$235,058	59.1%	$239,612	60.3%	10
Nov 2025	$438,741	35.27%	3.63%	3.82%	3.21%	2.65%	3.66%	2.57%	2.07%	2.03%	1.51%	1.74%	1.15%	0.00%	$265,103	60.4%	$277,758	63.3%	9
Dec 2025	$380,962	43.18%	3.05%	3.46%	2.30%	2.79%	2.58%	2.31%	1.88%	1.88%	1.97%	1.74%	1.15%	0.00%	$241,635	63.4%	$260,141	68.3%	8
Jan 2026	$415,950	36.28%	3.81%	3.27%	2.96%	2.96%	2.74%	2.39%	1.66%	2.18%	1.97%	1.74%	1.15%	0.00%	$233,257	56.1%	$262,538	63.1%	7
Feb 2026	$381,106	32.93%	3.45%	2.80%	2.29%	2.01%	1.88%	1.81%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$179,749	47.2%	$213,711	56.1%	6
Mar 2026	$514,137	32.49%	3.03%	2.38%	2.14%	1.91%	2.13%	2.18%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$226,591	44.1%	$283,601	55.2%	5
Apr 2026	$517,324	37.70%	2.02%	1.68%	2.53%	1.77%	2.25%	2.18%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$236,402	45.7%	$305,405	59.0%	4
May 2026	$462,701	37.04%	2.97%	3.01%	2.23%	1.89%	2.25%	2.18%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$209,375	45.3%	$279,824	60.5%	3
Jun 2026	$385,807	39.73%	3.19%	2.94%	2.30%	1.89%	2.25%	2.18%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$176,920	45.9%	$244,551	63.4%	2
Jul 2026	$387,581	36.25%	3.86%	2.49%	2.30%	1.89%	2.25%	2.18%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$155,447	40.1%	$233,021	60.1%	1
Aug 2026	$475,745	44.04%	3.32%	2.49%	2.30%	1.89%	2.25%	2.18%	1.87%	2.18%	1.97%	1.74%	1.15%	0.00%	$209,503	44.0%	$320,509	67.4%	0
AVERAGE (settled months)	$260,150	27.63%	2.74%	2.55%	2.02%	2.35%	2.16%	1.81%	1.71%	1.76%	2.94%	1.67%	1.11%	0.24%	$134,742	51.8%
ALL MONTHS (excl. the part month)	$5,358,743														$2,693,994	50.3%	$3,302,002	61.6%

Atlanta — 2,075 sales, $4,500,489 booked

346 of them (16.7%) paid in full on the day, worth $679,924.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Jan 2024	251	31 12.4%	$565,000	$158,428 28.0%	$157,041 27.8%	$315,469 55.8%	$0 0.0%	$213,428 37.8%	$35,718 6.3%	31	$385
Feb 2024	260	37 14.2%	$591,575	$184,993 31.3%	$152,381 25.8%	$337,374 57.0%	$0 0.0%	$215,451 36.4%	$38,992 6.6%	30	ok
Mar 2024	250	35 14.0%	$618,480	$180,895 29.2%	$128,432 20.8%	$309,327 50.0%	$2,094 0.3%	$266,568 43.1%	$40,697 6.6%	29	ok
Apr 2024	228	21 9.2%	$562,214	$149,914 26.7%	$145,659 25.9%	$295,573 52.6%	$0 0.0%	$224,362 39.9%	$42,462 7.6%	28	ok
May 2024	238	41 17.2%	$508,232	$166,406 32.7%	$153,223 30.1%	$319,629 62.9%	$0 0.0%	$166,493 32.8%	$22,072 4.3%	27	ok
Jun 2024	212	44 20.8%	$498,130	$196,979 39.5%	$113,234 22.7%	$310,214 62.3%	$0 0.0%	$168,095 33.7%	$20,158 4.0%	26	$-336
Jul 2024	214	29 13.6%	$426,618	$153,152 35.9%	$102,209 24.0%	$255,361 59.9%	$0 0.0%	$157,744 37.0%	$13,518 3.2%	25	ok
Aug 2024	176	37 21.0%	$323,508	$115,239 35.6%	$86,718 26.8%	$201,957 62.4%	$0 0.0%	$103,249 31.9%	$19,215 5.9%	24	$-912
Sep 2024	133	40 30.1%	$225,324	$85,262 37.8%	$70,121 31.1%	$155,383 69.0%	$0 0.0%	$53,856 23.9%	$16,095 7.1%	23	ok
Oct 2024	80	23 28.7%	$117,039	$41,711 35.6%	$34,254 29.3%	$75,965 64.9%	$0 0.0%	$31,871 27.2%	$9,250 7.9%	22	ok
Nov 2024	33	8 24.2%	$64,370	$20,345 31.6%	$15,069 23.4%	$35,414 55.0%	$450 0.7%	$22,785 35.4%	$5,725 8.9%	21	ok
TOTAL	2,075	346 16.7%	$4,500,489	$1,453,323 32.3%	$1,158,342 25.7%	$2,611,665 58.0%	$2,544 0.1%	$1,623,901 36.1%	$263,900 5.9%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2024 Q1	761	13.5%	$2,333	29.5%	36.9%	43.0%	50.9%	53.4%	54.0%	54.2%	$962,170	0.1%	39.2%	$1,279,695	$0.75
2024 Q2	678	15.6%	$2,314	32.7%	40.2%	47.3%	56.1%	58.5%	58.8%	59.0%	$925,416	0.0%	35.6%	$1,281,745	$0.72
2024 Q3	523	20.3%	$1,865	36.3%	45.8%	52.7%	60.3%	62.2%	62.7%	62.8%	$612,700	0.0%	32.3%	$1,398,238	$0.44
2024 Q4	113	27.4%	$1,605	34.2%	46.0%	54.6%	60.9%	61.4%	—	61.4%	$111,380	0.2%	30.1%	$1,352,373	$0.08

Month by month — Atlanta's own collection pattern

What this is. The same grid as the Month by month tab, but only Atlanta. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Atlanta’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Jan 2024	$565,000	28.13%	4.89%	4.19%	2.88%	2.24%	1.79%	1.76%	1.64%	1.27%	1.40%	1.24%	1.00%	2.54%	$315,469	55.8%	$315,469	55.8%	31
Feb 2024	$591,575	32.20%	4.01%	2.67%	2.38%	2.25%	2.00%	1.91%	1.59%	1.37%	1.28%	1.39%	1.07%	1.87%	$337,374	57.0%	$337,374	57.0%	30
Mar 2024	$618,480	29.60%	2.94%	2.25%	1.78%	1.45%	1.51%	1.64%	1.00%	1.18%	1.12%	1.06%	0.84%	2.90%	$309,327	50.0%	$309,327	50.0%	29
Apr 2024	$562,214	27.26%	3.81%	3.28%	2.48%	2.07%	2.42%	1.81%	1.66%	1.41%	1.24%	1.17%	1.10%	1.96%	$295,573	52.6%	$295,573	52.6%	28
May 2024	$508,232	32.91%	3.81%	3.71%	3.01%	2.83%	2.35%	2.24%	2.53%	2.01%	1.57%	1.75%	0.67%	3.01%	$319,577	62.9%	$319,577	62.9%	27
Jun 2024	$498,130	40.07%	3.53%	2.88%	2.35%	2.16%	1.72%	1.88%	1.20%	1.11%	1.33%	1.26%	0.55%	1.79%	$310,214	62.3%	$310,214	62.3%	26
Jul 2024	$426,618	36.02%	3.83%	2.67%	2.57%	2.09%	1.74%	2.02%	1.30%	1.23%	1.20%	1.19%	0.55%	2.79%	$255,261	59.8%	$255,261	59.8%	25
Aug 2024	$323,508	36.48%	4.23%	3.51%	3.60%	2.55%	2.28%	2.16%	2.08%	1.29%	0.80%	0.83%	0.58%	1.59%	$201,957	62.4%	$201,957	62.4%	24
Sep 2024	$225,324	40.31%	10.32%	3.61%	2.14%	2.15%	1.52%	1.50%	1.54%	1.26%	1.80%	1.25%	0.35%	1.02%	$155,383	69.0%	$155,383	69.0%	23
Oct 2024	$117,039	42.02%	4.21%	3.33%	2.68%	2.85%	3.67%	1.08%	1.46%	1.62%	0.97%	0.62%	0.10%	0.30%	$75,965	64.9%	$75,965	64.9%	22
Nov 2024	$64,370	34.15%	2.70%	2.79%	3.21%	2.17%	2.14%	1.48%	1.13%	1.00%	1.97%	1.30%	0.23%	0.47%	$35,414	55.0%	$35,414	55.0%	21
AVERAGE (settled months)	$4,500,489	33.02%	4.17%	3.15%	2.55%	2.19%	1.98%	1.86%	1.58%	1.36%	1.29%	1.24%	0.77%	2.19%	$2,611,665	58.0%
ALL MONTHS (excl. the part month)	$4,500,489														$2,611,514	58.0%	$2,611,514	58.0%

Orlando — 1,229 sales, $3,677,949 booked

241 of them (19.6%) paid in full on the day, worth $733,859.

Month of sale	Sales	Paid in full	Revenue booked	Banked on the day	Finance collected	TOTAL BANKED	Still live (not due yet)	Overdue	Written off	Age (mo)	Check
Feb 2026	103	21 20.4%	$341,200	$130,105 38.1%	$47,843 14.0%	$177,948 52.2%	$82,659 24.2%	$79,007 23.2%	$500 0.1%	6	$1,085
Mar 2026	151	23 15.2%	$456,055	$142,304 31.2%	$66,681 14.6%	$208,985 45.8%	$145,212 31.8%	$87,910 19.3%	$12,275 2.7%	5	$1,673
Apr 2026	111	19 17.1%	$322,650	$105,440 32.7%	$31,254 9.7%	$136,694 42.4%	$119,759 37.1%	$58,011 18.0%	$7,600 2.4%	4	$586
May 2026	201	50 24.9%	$586,160	$228,784 39.0%	$48,916 8.3%	$277,700 47.4%	$209,695 35.8%	$74,124 12.6%	$23,410 4.0%	3	$1,231
Jun 2026	190	36 18.9%	$582,534	$187,906 32.3%	$40,379 6.9%	$228,285 39.2%	$264,759 45.4%	$55,926 9.6%	$30,875 5.3%	2	$2,689
Jul 2026	195	42 21.5%	$600,090	$225,250 37.5%	$32,642 5.4%	$257,892 43.0%	$292,736 48.8%	$37,175 6.2%	$9,250 1.5%	1	$3,037
Aug 2026	203	31 15.3%	$587,210	$201,955 34.4%	$3,160 0.5%	$205,115 34.9%	$335,968 57.2%	$29,091 5.0%	$14,450 2.5%	0	$2,585
Sep 2026	75	19 25.3%	$202,050	$73,490 36.4%	$0 0.0%	$73,490 36.4%	$128,219 63.5%	$341 0.2%	$0 0.0%	part month	ok
TOTAL	1,229	241 19.6%	$3,677,949	$1,295,234 35.2%	$270,875 7.4%	$1,566,109 42.6%	$1,579,007 42.9%	$421,588 11.5%	$98,360 2.7%

Then vs now

Period	Sales	Paid in full	Avg sale	On day 1	by month 3	by month 6	by month 12	by month 18	by month 24	Latest	Collected to date $	Still live	Overdue	Ad spend	Collected per $1 ad spend
2026 Q1	254	17.3%	$3,139	34.2%	40.9%	47.4%	—	—	—	48.5%	$386,933	28.6%	20.9%	partial	—
2026 Q2	502	20.9%	$2,971	35.0%	41.2%	—	—	—	—	43.1%	$642,679	39.8%	12.6%	no data	—
2026 Q3	473	19.5%	$2,937	36.0%	—	—	—	—	—	38.6%	$536,497	54.5%	4.8%	no data	—

Month by month — Orlando's own collection pattern

What this is. The same grid as the Month by month tab, but only Orlando. One row per month of sales, one column per month of its life, each cell the share of that month’s total revenue banked then.
How it is worked out. Denominator is the whole SALE, so paid-in-full customers are in it. The $300 floor applies. Month 1 includes the deposit. The violet forecast cells use Orlando’s OWN last three months at each age, not the group’s — so a city that collects differently forecasts differently.
Watch out. A smaller city has fewer sales behind each cell, so a single large sale moves a number that the group-level grid would smooth out.

Month of sale	Sale value	1	2	3	4	5	6	7	8	9	10	11	12	After 12	Collected to date $	Collected to date %	Forecast total $	Forecast total %	Age (mo)
Feb 2026	$341,200	38.13%	3.66%	2.56%	2.05%	2.28%	1.87%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$177,614	52.1%	$177,614	52.1%	6
Mar 2026	$456,055	31.27%	3.55%	3.58%	2.44%	2.25%	1.88%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$205,082	45.0%	$211,907	46.5%	5
Apr 2026	$322,650	32.66%	2.63%	2.76%	2.20%	1.84%	1.88%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$135,773	42.1%	$146,659	45.5%	4
May 2026	$586,160	39.80%	3.53%	1.86%	2.04%	2.14%	1.88%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$276,900	47.2%	$309,233	52.8%	3
Jun 2026	$582,534	33.13%	3.44%	2.25%	2.21%	2.14%	1.88%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$226,157	38.8%	$271,167	46.5%	2
Jul 2026	$600,090	37.91%	4.23%	2.21%	2.21%	2.14%	1.88%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$252,878	42.1%	$312,483	52.1%	1
Aug 2026	$587,210	34.50%	3.74%	2.21%	2.21%	2.14%	1.88%	1.50%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	$202,616	34.5%	$282,893	48.2%	0
AVERAGE (settled months)	$0	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	NaN%	$0	NaN%
ALL MONTHS (excl. the part month)	$3,475,899														$1,477,020	42.5%	$1,711,955	49.3%

Total revenue — every sale, and what happened to the money

Every month of sales — all revenue, not just the financed part

What every column means, and where the number comes from

How we are doing compared with how we used to

The same thing per city

New York

Dallas

Houston

Florida

Boston

Nashville

Chicago

Atlanta

Orlando

Which way is it going?

Up, down or sideways

The same thing in money

Up, down or sideways — on the money

1. Average payment taken per sale, each month

2. What share of people pay in full

3. Paid-in-full money, each month

Month by month — every month's own collection pattern

Does the deposit predict whether they pay?

How the deposit mix has drifted

KIDS X — is it making a difference?

First and second instalment — did they actually start paying?

Lost payments — written off, and still owed

Month by month

New York — 8,671 sales, $21,335,979 booked

Then vs now

Month by month — New York's own collection pattern

Dallas — 5,500 sales, $14,623,290 booked

Then vs now

Month by month — Dallas's own collection pattern

Houston — 5,158 sales, $13,530,885 booked

Then vs now

Month by month — Houston's own collection pattern

Florida — 5,068 sales, $13,506,429 booked

Then vs now

Month by month — Florida's own collection pattern

Boston — 4,347 sales, $10,565,025 booked

Then vs now

Month by month — Boston's own collection pattern

Nashville — 3,502 sales, $8,551,506 booked

Then vs now

Month by month — Nashville's own collection pattern

Chicago — 2,241 sales, $5,534,821 booked

Then vs now

Month by month — Chicago's own collection pattern

Atlanta — 2,075 sales, $4,500,489 booked

Then vs now

Month by month — Atlanta's own collection pattern

Orlando — 1,229 sales, $3,677,949 booked

Then vs now

Month by month — Orlando's own collection pattern