ThurmanInteractive product demo
Payments and recording for loan participations
Thurman gives community lenders one place to record the participations they've sold, collect borrower payments, split each one by the agreement's terms, pay the buyer, and keep an audit trail both sides can check.
One payment, Nov 15, 2026
Riverside Bakery LLC paysBorrower · loan BACL-1042
$2,404.55Collection account ••7731Matched, allocated, 3 of 3 checks passed
Validated$2,116.17Harbor Impact Capital · 90% less fee
$288.38BACL
✓Every step recorded. $2,404.55 = $2,116.17 + $288.38
Who's in the demo
Originator and servicerBay Area Community LendingA community lender in Oakland. You'll mostly see the product as Maya Chen, who runs its portfolio operations.
BuyerHarbor Impact CapitalBought a 90% participation in five of BACL's small-business loans. Sees remittances and the audit trail, read-only.
BorrowerRiverside Bakery LLCA $120,000 loan at 7.50% over 60 months. Pays $2,404.55 a month by bank transfer to BACL's collection account.
Pick a guided tour
Every company, person and number in this demo is fictional. Nothing here moves real money.Use the bar at the top to switch views or start over.
DashboardSunday, Nov 15, 2026 · 4:10 PM
Good afternoon, Maya
Where the money stands across your programs today.
No active programs yet
Create a program to record a participation you've sold. Payments start splitting once it's active.
New programNeeds attention
Nov 15 payments
East Bay Growth FundRiverside Bakery LLC
BACL-1042
$2,404.55Due today
Riverside Bakery LLC
BACL-1042
$2,404.55Awaiting approval
Riverside Bakery LLC
BACL-1042
$2,404.55Disbursed
Eastside Auto Repair
BACL-1043
$1,962.44Disbursed
Little Oaks Childcare Center
BACL-1044
$2,245.61Disbursed
Fruitvale Coffee Roasters
BACL-1051
$1,631.08Awaiting approval
Fruitvale Coffee Roasters
BACL-1051
$1,631.08Disbursed
Lakeshore Hardware Co.
BACL-1056
$1,000.00Held · short
Lakeshore Hardware Co.
BACL-1056
$1,000.00Holding
Lakeshore Hardware Co.
BACL-1056
$1,000.00Partial · disbursed
Lakeshore Hardware Co.
BACL-1056
$1,000.00Returned
Programs
All programs →| Program | Buyer | Share | Loans | Outstanding | Sent to buyer · Nov | Status |
|---|---|---|---|---|---|---|
| East Bay Growth Fund | Harbor Impact Capital | 90% | 5 | $485,852.79 | Active | |
| Community RE 2025 | Northbridge Mission Fund | 75% | 1 | $237,918.55 | Monthly · Nov 30 | Active |
ProgramsNew program
Programs
Each program records a participation you've sold: the buyer, their share, and the loans it covers.
| Program | Buyer | Share | Loans | Outstanding | Buyer is paid | Approval | Status |
|---|---|---|---|---|---|---|---|
| East Bay Growth Fund Activated Oct 26, 2026 · terms v1 | Harbor Impact Capital | 90% | 5 | $485,852.79 | Active | ||
| Community RE 2025 Activated Mar 3, 2025 · terms v2 | Northbridge Mission Fund | 75% | 1 | $237,918.55 | Monthly batch | Every payment (manual) | Active |
Community RE 2025 is shown for context and isn't part of this demo.Your new program will appear here once it's activated.
Portfolio
Portfolio
Your loan tape — every loan you originate or service, with its payment history.
Your loan tape is empty
Import your loans and their payment history from CSV files. Thurman matches payments to loans by Loan ID.
Import loans & paymentsLoans on tape1211 active · 1 paid off
Outstanding principal$1,044,953.09As of Oct 26, 2026
In programs6 loans1 loan2 programs · 2 buyers1 program · 1 buyer
Payment records121Last import Oct 26 · 1 loan needs history
| Loan | Borrower | Tags | Principal | Balance | Rate | Program | History | |
|---|---|---|---|---|---|---|---|---|
| BACL-1042 | Riverside Bakery LLC | Growth Fund eligibleEast Bay | $120,000.00 | $115,005.26 | 7.50% | East Bay Growth Fund— | 3 payments | ⋯ |
| BACL-1043 | Eastside Auto Repair | Growth Fund eligibleEast Bay | $80,000.00 | $75,733.48 | 8.25% | East Bay Growth Fund— | 3 payments | ⋯ |
| BACL-1044 | Little Oaks Childcare Center | Growth Fund eligibleOakland | $150,000.00 | $145,770.71 | 6.75% | East Bay Growth Fund— | 3 payments | ⋯ |
| BACL-1051 | Fruitvale Coffee Roasters | Growth Fund eligibleOakland | $95,000.00 | $91,809.44 | 7.25% | East Bay Growth Fund— | 3 payments | ⋯ |
| BACL-1056 | Lakeshore Hardware Co. | Growth Fund eligibleOakland | $60,000.00 | $57,533.90 | 8.00% | East Bay Growth Fund— | 3 payments | ⋯ |
| BACL-1060 | Chinatown Tea House | Growth Fund eligibleOakland | $70,000.00 | $69,121.37 | 7.75% | — | Missing history | ⋯ |
| BACL-1019 | Jack London Brewing Co. | Real estateOakland | $250,000.00 | $237,918.55 | 6.25% | Community RE 2025 | 13 payments | ⋯ |
| BACL-1027 | Dimond Dental Studio | Small businessOakland | $180,000.00 | $168,204.10 | 6.50% | — | 10 payments | ⋯ |
| BACL-1033 | Piedmont Yoga Collective | Small businessPiedmont | $40,000.00 | $35,377.82 | 8.75% | — | 8 payments | ⋯ |
| BACL-1001 | Grand Ave Florist | MicroloanOakland | $30,000.00 | $21,066.40 | 9.50% | — | 18 payments | ⋯ |
| BACL-0988 | Temescal Print Shop | MicroloanOakland | $45,000.00 | $27,412.06 | 9.00% | — | 21 payments | ⋯ |
| BACL-0950 | Lake Merritt Laundromat | MicroloanOakland | $25,000.00 | $0.00 | 9.25% | — | Paid off | ⋯ |
Showing 11 loans · $1,044,953.09 outstanding Archived loans are hidden ·
Portfolio / ImportCancel
Import loans & payment history
Bring your loan tape and its servicing history in together. New loans are added; existing loans update by Loan ID.
✓Source 2Map columns 3Validate 4Confirm
Upload CSV files
Loan tape plus an optional payment history file, matched on Loan ID.
Connect your servicing systemComing soon
Sync loans and payments automatically through an API integration.
Loan tape
bacl-loan-tape-oct-2026.csv12 rows · 13 columns
Payment history
bacl-payment-history-oct-2026.csv126 rows · 7 columns
Loan fields
12 of 12 mappedloan_id→Loan ID
borrower→Borrower name
principal→Original principal
balance→Current balance
interest_rate→Interest rate
term_months→Term (months)
originated→Origination date
first_payment→First payment date
payment→Payment amount
due_day→Due day
status→Status
tags→Tags · comma-separated
Payment fields
7 of 7 mappedloan_id→Loan ID · links to loan
date_paid→Date paid
amount_paid→Amount paid
principal→Principal
interest→Interest
late_fee→Late fee
service_fee→Service fee
No buyer columns needed. Thurman calculates each buyer's split from program terms once loans join a program.
Update loans that already exist
Match on Loan ID. Changed fields are logged to each loan's audit trail.
Skip payments already on file
Same loan, date and amount are treated as duplicates.
Portfolio / ImportCancel
Check your import
Nothing is saved until you confirm. Fix rows here or re-upload a corrected file.
✓Source ✓Map columns 3Validate 4Confirm
Loans ready1212 new · 0 updated
Payments ready121Matched to 11 loans
Skipped53 duplicates · 2 unmatched
Needs attention1 loanImports with a warning
Issues
3 itemsBACL-1060 · Chinatown Tea House has no payment history
Reminder setFirst payment was due Sep 15, 2026. The loan imports, but can't join a program until its history is added.
2 payment rows reference BACL-1099, which isn't in the tape
Rows 88–89 · $1,140.22 each · Skipped. Add the loan or correct the Loan ID.
Row 88BACL-1099Sep 15, 2026$1,140.22Loan not on tape
Row 89BACL-1099Oct 15, 2026$1,140.22Loan not on tape
3 duplicate payments
Same loan, date and amount appear twice (BACL-1001, BACL-0988). Second copies are skipped.
Row 42BACL-1001Same as row 41
Row 57BACL-0988Same as row 56
Row 63BACL-0988Same as row 62
Loans
11 matched1 missing field
| Loan | Borrower | Principal | Balance | Tags | Payments | Check |
|---|---|---|---|---|---|---|
| BACL-1042 | Riverside Bakery LLC | $120,000.00 | $115,005.26 | Growth Fund eligible, East Bay | 3 | Matched |
| BACL-1043 | Eastside Auto Repair | $80,000.00 | $75,733.48 | Growth Fund eligible, East Bay | 3 | Matched |
| BACL-1044 | Little Oaks Childcare Center | $150,000.00 | $145,770.71 | Growth Fund eligible, Oakland | 3 | Matched |
| BACL-1051 | Fruitvale Coffee Roasters | $95,000.00 | $91,809.44 | Growth Fund eligible, Oakland | 3 | Matched |
| BACL-1056 | Lakeshore Hardware Co. | $60,000.00 | $57,533.90 | Growth Fund eligible, Oakland | 3 | Matched |
| BACL-1060 | Chinatown Tea House | $70,000.00 | $69,121.37 | Growth Fund eligible, Oakland | 0 | Missing history |
| BACL-1019 | Jack London Brewing Co. | $250,000.00 | $237,918.55 | Real estate, Oakland | 13 | Matched |
| + 5 more loans, all matched | ||||||
Back to mapping
12 loans · 121 payments will be addedImport to portfolio
Portfolio / BACL-1042
Riverside Bakery LLC
ActiveEast Bay Growth FundBACL-1042 · Originated Jul 15, 2026 · Serviced by Bay Area Community Lending
Current balanceof $120,000.00
Rate · term7.50% · 60 moFixed, monthly
Next payment$2,404.55
Paid to date
Loan details
Last updated Oct 26 by importOriginal principal$120,000.00
Interest rate7.50%
Term60 months
First paymentAug 15, 2026
MaturityJul 15, 2031
Payment$2,404.55 / mo
Tags
Growth Fund eligibleEast BaySmall business+ Add tag
Participation
Not in a program yet. Tagged Growth Fund eligible.
Participation
Open East Bay Growth Fund →ProgramEast Bay Growth Fund
BuyerHarbor Impact Capital · 90%
Splits startProgram activation · Oct 26, 2026
Payment history
Imported Oct 26| Paid | Amount | Principal | Interest | Balance after | Split |
|---|---|---|---|---|---|
| Nov 15, 2026 | $2,404.55 | $1,685.77 | $718.78 | $113,319.49 | Awaiting approvalSplit 90 / 10 |
| Oct 15, 2026 | $2,404.55 | $1,675.30 | $729.25 | $115,005.26 | Before program |
| Sep 15, 2026 | $2,404.55 | $1,664.89 | $739.66 | $116,680.56 | Before program |
| Aug 15, 2026 | $2,404.55 | $1,654.55 | $750.00 | $118,345.45 | Before program |
Programs / New programSave draft & exit
New program
A program records a participation you've already sold: who bought it, their share, and how payments are split.
1Terms 2Loans 3Agreement & accounts 4Review & activate
The participant who purchased the loans. They'll get read access to loan data and the audit trail.
%
Of each loan's principal and interest. Fixed for the program.% / yr
On the outstanding balance, taken from the buyer's interest. Splits start when you activate the program. Payments already on file stay as history and are not re-split.
Split preview
On a $2,404.55 payment $1,685.77 principal · $718.78 interest · $115,005.26 balance Principal to buyer$1,517.19
Interest to buyer$646.90
Service fee−$47.92
Harbor Impact Capital$2,116.17
You keep$288.38
Programs / New program / East Bay Growth FundSave draft & exit
Choose loans from your tape
Filter your portfolio to the loans covered by the participation agreement with Harbor Impact Capital.
✓Terms 2Loans 3Agreement & accounts 4Review & activate
Filters
Matching all ofWhere
Tag ▾
includes ▾
Growth Fund eligible ▾
and
Status ▾
is ▾
Active ▾
and
Program ▾
is ▾
Not in a program ▾
Also available: rate, originated, balance, term, borrower
6 loans match5 ready
of 12 on your tape | Loan | Borrower | Principal | Balance | Rate | Originated | History | |
|---|---|---|---|---|---|---|---|
| BACL-1042 | Riverside Bakery LLC | $120,000.00 | $115,005.26 | 7.50% | Jul 15, 2026 | 3 payments | |
| BACL-1043 | Eastside Auto Repair | $80,000.00 | $75,733.48 | 8.25% | Jul 15, 2026 | 3 payments | |
| BACL-1044 | Little Oaks Childcare Center | $150,000.00 | $145,770.71 | 6.75% | Jul 15, 2026 | 3 payments | |
| BACL-1051 | Fruitvale Coffee Roasters | $95,000.00 | $91,809.44 | 7.25% | Jul 15, 2026 | 3 payments | |
| BACL-1056 | Lakeshore Hardware Co. | $60,000.00 | $57,533.90 | 8.00% | Jul 15, 2026 | 3 payments | |
| BACL-1060 | Chinatown Tea House | $70,000.00 | $69,121.37 | 7.75% | Aug 12, 2026 | Add payment history first | |
| BACL-1027 | Dimond Dental Studio | $180,000.00 | $168,204.10 | 6.50% | Dec 4, 2025 | 10 payments | |
| BACL-1033 | Piedmont Yoga Collective | $40,000.00 | $35,377.82 | 8.75% | Feb 10, 2026 | 8 payments | |
| BACL-1001 | Grand Ave Florist | $30,000.00 | $21,066.40 | 9.50% | Apr 3, 2025 | 18 payments | |
| BACL-0988 | Temescal Print Shop | $45,000.00 | $27,412.06 | 9.00% | Jan 6, 2025 | 21 payments | |
| BACL-1019 | Jack London Brewing Co. | $250,000.00 | $237,918.55 | 6.25% | Sep 12, 2025 | In Community RE 2025 |
Selected loans5
Original principal
Outstanding balance
Harbor Impact Capital's 90%
Programs / New program / East Bay Growth FundSave draft & exit
Agreement & accounts
Attach the signed participation agreement and confirm where money comes in and goes out.
✓Terms ✓Loans 3Agreement & accounts 4Review & activate
Participation agreement
East Bay Growth Fund Participation Agreement — executed.pdf · 18 pages
4 of 4 terms match3 of 4 terms match
TermYou enteredFound in agreement
BuyerHarbor Impact CapitalHarbor Impact Capital, LLCMatch
Buyer's share90%90% · §2.1Match
Service fee0.50% / yr50 bps · §4.3Match
Loans in Schedule A5 loans5 loans · $505,000.00MatchMismatch
Schedule A lists BACL-1042, 1043, 1044, 1051 and 1056. Go back and match the loans
Collection account ready
Borrowers in East Bay Growth Fund pay here. Owned by Bay Area Community Lending.
Account nameBACL — East Bay Growth Fund Collections
Routing number••••• 0248
Account number•••• •••• 7731
Buyer payout account
VerifiedAccount holderHarbor Impact Capital, LLC
BankWestgate Commercial Bank
TypeBusiness checking
Account•••• 4417
Your operating account
VerifiedAccount holderBay Area Community Lending
BankBayshore Community Bank
TypeOperating
Account•••• 2290
Programs / New program / East Bay Growth FundSave draft & exit
Review & activate East Bay Growth Fund
Check the details. Activation locks the terms as version 1 and starts splitting new payments.
✓Terms ✓Loans ✓Agreement & accounts 4Review & activate
Terms
EditBuyerHarbor Impact Capital
Buyer's share90%
Service fee0.50% / yr
Remittance
Approval
Loans
EditLoans
Original principal
Outstanding
Buyer's balance
History on file
Money movement
EditCollectionBACL ••7731
Buyer payoutHarbor Impact Capital ••4417
Your shareBACL ••2290
Agreement4/4 terms matchLoans don't match
When you activate
Splits start with the next payment received
The 15 payments already on file stay with you as history.
Payment instructions are ready to publish
Send the collection account to 5 borrowers from each loan page.
Terms are recorded in the audit trail
Version 1, with a fingerprint of the agreement, visible to you and the buyer.
Invite the buyer
They'll see East Bay Growth Fund's loans, payments, remittances and audit trail. Read-only. Back
The agreement lists 5 specific loans. Match them to activate.Activate program
Programs / East Bay Growth Fund
East Bay Growth Fund
ActiveTerms v1Harbor Impact Capital receives 90% of each loan's principal and interest, less your 0.50% service fee. Activated Oct 26, 2026.
Outstanding principal$485,852.795 loans
Harbor Impact Capital's balance$437,267.5190% participation
Due Nov 15$9,460.265 scheduled payments
Remitted to buyerSince activation
| Loan | Borrower | Balance | Buyer's 90% | Rate | Next payment | Payment instructions | |
|---|---|---|---|---|---|---|---|
| BACL-1042 | Riverside Bakery LLC | $115,005.26 | $103,504.73 | 7.50% | $2,404.55 · Nov 15 | Published Oct 27Ready to publish | ⋯ |
| BACL-1043 | Eastside Auto Repair | $75,733.48 | $68,160.13 | 8.25% | $1,962.44 · Nov 15 | Ready to publishPublished Oct 27 | ⋯ |
| BACL-1044 | Little Oaks Childcare Center | $145,770.71 | $131,193.64 | 6.75% | $2,245.61 · Nov 15 | Ready to publishPublished Oct 27 | ⋯ |
| BACL-1051 | Fruitvale Coffee Roasters | $91,809.44 | $82,628.50 | 7.25% | $1,631.08 · Nov 15 | Ready to publishPublished Oct 27 | ⋯ |
| BACL-1056 | Lakeshore Hardware Co. | $57,533.90 | $51,780.51 | 8.00% | $1,216.58 · Nov 15 | Ready to publishPublished Oct 27 | ⋯ |
5 loans · added from your tape on Oct 26 (filter: Growth Fund eligible, Active, not in a program)$485,852.79
Programs / East Bay Growth Fund
East Bay Growth Fund
ActiveTerms v1Harbor Impact Capital receives 90% of each loan's principal and interest, less your 0.50% service fee. Activated Oct 26, 2026.
Received · November
Remitted to Harbor Impact Capital
Awaiting your approval
Held for review · Review
November 2026 ▾
| Received | Loan | Amount | Principal / interest | To Harbor Impact Capital | To you | Progress | Status |
|---|---|---|---|---|---|---|---|
| Due Nov 15 | Riverside Bakery LLC BACL-1042 | $2,404.55 | Scheduled | — | — | Scheduled | |
| Nov 15 · 08:41 | Riverside Bakery LLC BACL-1042 | $2,404.55 | $1,685.77 $718.78 | $2,116.17 | $288.38 | Awaiting approval | |
| Nov 15 · 08:41 | Riverside Bakery LLC BACL-1042 | $2,404.55 | $1,685.77 $718.78 | $2,116.17 | $288.38 | Disbursed | |
| Nov 15 · 09:02 | Eastside Auto Repair BACL-1043 | $1,962.44 | $1,441.77 $520.67 | $1,734.63 | $227.81 | Disbursed | |
| Nov 15 · 10:17 | Little Oaks Childcare Center BACL-1044 | $2,245.61 | $1,425.65 $819.96 | $1,960.31 | $285.30 | Disbursed | |
| Nov 15 · 13:48 | Fruitvale Coffee Roasters BACL-1051 | $1,631.08 | $1,076.40 $554.68 | $1,429.72 | $201.36 | Awaiting approval | |
| Nov 15 · 13:48 | Fruitvale Coffee Roasters BACL-1051 | $1,631.08 | $1,076.40 $554.68 | $1,429.72 | $201.36 | Disbursed | |
| Nov 15 · 14:05 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | Not allocated | — | — | Held · $216.58 short | |
| Nov 15 · 14:05 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | Not allocated | — | — | Holding for remainder | |
| Nov 15 · 14:05 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | $616.44 $383.56 | $876.03 | $123.97 | Partial · disbursed | |
| Nov 15 · 14:05 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | Returned | — | — | Returned to borrower |
15 payments from Aug–Oct were received before activation and stay with you as history.
East Bay Growth Fund / BACL-1042Back to program
Riverside Bakery LLC
ActiveEast Bay Growth FundBACL-1042 · Balance $115,005.26 · Next payment $2,404.55 due Nov 15
Change where this borrower pays
CurrentBACL Operating
Account••2290
MethodsACH
NewEast Bay Growth Fund Collections
Account••7731
MethodsACH · wire
Notify the borrower
Banner on their dashboard
Shown until they acknowledge it
Email to Dana Alvarez, owner
From Bay Area Community Lending, your branding
Applies to payments from
Nov 15, 2026 (next due date)This changes only the remittance account. Bay Area Community Lending stays the servicer and owns the collection account. The change is logged to the loan's audit trail.
Publish to borrowerPublished to all 5 borrowers
Borrower preview
Bay Area Community LendingLoan BACL-1042
Your payment details have changed Starting with your Nov 15 payment, please send payments to the account below. Your loan terms and payment amount stay the same. To confirm this change, contact Bay Area Community Lending through contact details you already have, not a phone number or link from this message.
Pay toBay Area Community Lending
Routing number••••• 0248
Account number•••• •••• 7731
ReferenceBACL-1042
Amount$2,404.55 monthly
BABay Area Community LendingBorrower portalLater phase
Riverside Bakery LLCRB
Your payment details have been updated
From your Nov 15 payment, pay to account ending 7731. Your payment amount hasn't changed.
Loan BACL-1042
Hi, Riverside Bakery
Next paymentOn track
$2,404.55
Pay to
Account ••7731ACH or wire
Autopay Later phase
OffNov 15 payment receivedView receipt
Your loan
Principal balance
Original amount$120,000.00
Rate7.50% fixed
Payments made
Final paymentJul 15, 2031
Payment history
Nov 15, 2026$2,404.55Paid
Oct 15, 2026$2,404.55Paid
Sep 15, 2026$2,404.55Paid
Aug 15, 2026$2,404.55Paid
Payments are processed securely · Powered by Thurman
ThurmanBABay Area Community LendingBorrower portalLater phase
Riverside Bakery LLCRB
← Back
Make a payment
Scheduled payment
$2,404.55Due Nov 15, 2026
Other amount
BACL applies any extra under your loan terms
ToBay Area Community Lending ••7731
ReferenceBACL-1042
Payment received $2,404.55 Thank you. We'll apply it to your loan shortly.
Payment IDPAY-1042-1115-7F3K
ReceivedNov 15, 2026 · 8:41 AM PT
FromBusiness checking ••0518
New balance (after applying) Later phase$113,319.49
✓
Received
8:41 AM
Processing
Checking and applying to your loan
Applied
Usually same day
✓
Received
8:41 AM
✓
Checked
Matched to your loan
✓
Applied
New balance $113,319.49
Payments / PAY-1042-1115-7F3K
$2,404.55
ValidatedDisbursedFrom Riverside Bakery LLC · ACH into East Bay Growth Fund Collections ••7731 · Nov 15, 2026, 8:41 AM
Received8:41:02
Matched8:41:03
Validated8:41:04 · 3/3
SplitReady to review
ApprovedRequired
Disbursed—
Split8:42:05
Approved8:44:12 · Maya Chen
Disbursed8:44:30
Matched to loan
Auto-matchedProgramEast Bay Growth Fund · terms v1
Matched onReference BACL-1042 + amount
SenderRiverside Bakery LLC ••0518
Allocation
From BACL’s servicing recordInterest$718.78
Principal$1,685.77
Late fee$0.00
Balance$115,005.26 → $113,319.49
Validation checks
3 of 3 passedAmount matches schedule
$2,404.55 received · $2,404.55 due
Loan active in program
East Bay Growth Fund, since Oct 26
Lender’s record received
BACL’s servicing record for this payment gives its principal and interest
If any check fails, the funds stay in the collection account and the payment moves to Exceptions.
Payments / Exceptions
Payments
Every borrower payment into your collection accounts, across programs.
Lakeshore Hardware Co.
HeldHolding for remainderApplied as partialReturnedBACL-1056 · East Bay Growth Fund · PAY-1056-1115-2Q9D
$1,000.00
of $1,216.58 due
Funds are held in East Bay Growth Fund Collections ••7731. Nothing has been split or sent to Harbor Impact Capital.
Checks
×
Amount matches schedule
$216.58 short✓
Loan active in program
✓
Lender’s record received
Applied as a partial payment. $876.03 went to Harbor Impact Capital ••4417 and $123.97 to your operating account. $216.58 stays past due and Lakeshore Hardware was reminded.
Holding $1,000.00 in the collection account. When the remaining $216.58 arrives, Thurman validates and splits the full $1,216.58.
Returning $1,000.00 to Lakeshore Hardware's account ••3392. The full $1,216.58 stays due.
Resolve
Payments / PAY-1042-1115-7F3K / SplitBack to payment
Approve disbursement
Awaiting approvalDisbursedRiverside Bakery LLC · BACL-1042 · Calculated from East Bay Growth Fund terms v1 (90% share, 0.50% service fee)
Borrower payment · Nov 15, 2026$2,404.55
To Harbor Impact CapitalWestgate Commercial Bank ••4417
Principal · 90% of $1,685.77$1,517.19
Interest · 90% of $718.78$646.90
Less service fee−$47.92
Remit$2,116.17
To Bay Area Community LendingOperating ••2290
Principal · 10%$168.58
Interest · 10%$71.88
Service fee+$47.92
Retain$288.38
$2,404.55 = $2,116.17 + $288.38 $0.00 variance
Balances after this payment
Shared with Harbor Impact Capital| Before | Principal paid | After | |
|---|---|---|---|
| Loan | $115,005.26 | $1,685.77 | $113,319.49 |
| Harbor Impact Capital's 90% | $103,504.73 | $1,517.19 | $101,987.54 |
| Your 10% | $11,500.53 | $168.58 | $11,331.95 |
Disbursed Nov 15, 2026 at 8:44 AM
$2,116.17 to Harbor Impact Capital ••4417 · $288.38 to BACL Operating ••2290 · approved by Maya Chen
Approving moves funds from East Bay Growth Fund Collections ••7731 to both accounts and records each transfer in the audit trail.
Programs / East Bay Growth Fund / Settings / Disbursement rules
Disbursement rules
Rules v2 · draftRules v2 · activeDecide which payments go to Harbor Impact Capital automatically and which wait for you. Rules run after a payment is matched and checked.
Rules
Checked top to bottom · first match wins 1
When
Payment is exactly the scheduled amountand all 3 checks pass
Then
Split by terms and send automatically 2
When
Payment is shortand covers at least 50% of the scheduled amount
Then
Apply as a partial payment and sendPrincipal and interest from BACL’s record for the payment. Split by terms. The shortfall stays past due and the borrower gets a reminder.Under 50%: Hold for review 3
When
Payment is more than scheduledup to 2× the scheduled amount
Then
Split by BACL’s record and sendPrincipal and interest from BACL’s record for the payment, extra included. Split by terms. Above 2×: hold for review. 4
When
Payment includes a late feeThen
Split the fee 90 / 10 and sendPer agreement §4.5 5
When
Payoff, or any payment over $25,000Then
Ask me to approve 6
When
Any check fails for another reasonUnknown sender, missing reference, loan not active
Then
Hold in ExceptionsAlways on. Funds stay in the collection account.Preview on November
How these rules would have handled the 5 East Bay Growth Fund payments on Nov 15.Sent automatically
Rule 1 · full payment
Rule 2 · partial payment
Held for review
To Harbor Impact Capital
Retained by you
Shared with the buyer
Saving creates rules v2. Harbor Impact Capital sees the active rules and which rule approved each remittance in the audit trail.Within agreement terms
Payments / PAY-1056-1115-2Q9D
$1,000.00
DisbursedAuto-approved · Rule 2From Lakeshore Hardware Co. · BACL-1056 · East Bay Growth Fund · Nov 15, 2026, 2:05 PM · $1,216.58 was due
Preview. This is how the payment is handled once auto-approval rules are saved and turned on. Today East Bay Growth Fund approves every payment by hand.
Sent automatically under Rule 2 — partial payment
Edit rules The borrower paid 82% of the scheduled amount, above your 50% threshold. No one needed to step in.
Received14:05:11
Matched14:05:12
CheckedShort · 2 of 3
Split14:05:13 · terms v1
Auto-approvedRule 2 · rules v2
Disbursed14:05:14
Checks
!
Amount matches schedule
$216.58 short✓
Loan active in program
✓
Lender’s record received
Applied as partial
Interest (paid in full)$383.56
Principal$616.44
Balance$57,533.90 → $56,917.46
Still due$216.58
Split by terms v1
Principal 90%$554.80
Interest 90%$345.20
Less service fee−$23.97
To Harbor Impact Capital ••4417$876.03
To BACL ••2290$123.97
What happened next
✓
Borrower reminded
Email and dashboard notice: $216.58 still due on loan BACL-1056.
✓
Buyer notified
Harbor Impact Capital's remittance is tagged "Partial · Rule 2" with the shortfall shown.
✓
Recorded
Rule, rules version and both transfers are in the loan's audit trail.
With "Approve every payment" on, this same payment waits in Exceptions instead. Compare: manual review →
Remittances / East Bay Growth Fund
Buyer view · read-only
East Bay Growth Fund remittances
Serviced by Bay Area Community Lending · Your participation: 90% of 5 loans · Terms v1
Riverside Bakery LLC · BACL-1042
The Nov 15 payment hasn't arrived yet. You'll see it here as soon as it's split and sent.
The borrower paid $2,404.55. It's validated and waiting for Bay Area Community Lending to approve the split.
$2,116.17 sent to Westgate Commercial Bank ••4417
View proof Riverside Bakery LLC · BACL-1042 · Nov 15, 2026, 8:44 AM · 3 minutes after the borrower paid
Received · November
Principal returned
Your outstanding balanceFrom $437,267.51 at activation
In progress
November 2026
Loan-level detail| Date | Loan | Borrower paid | Principal 90% | Interest 90% | Service fee | You received | Status |
|---|---|---|---|---|---|---|---|
| Due Nov 15 | Riverside Bakery LLC BACL-1042 | $2,404.55 | Not paid yet | — | Scheduled | ||
| Nov 15 | Riverside Bakery LLC BACL-1042 | $2,404.55 | $1,517.19 | $646.90 | −$47.92 | $2,116.17 | Servicer approving |
| Nov 15 · 08:44 | Riverside Bakery LLC BACL-1042 | $2,404.55 | $1,517.19 | $646.90 | −$47.92 | $2,116.17 | Received |
| Nov 15 · 09:05 | Eastside Auto Repair BACL-1043 | $1,962.44 | $1,297.59 | $468.60 | −$31.56 | $1,734.63 | Received |
| Nov 15 · 10:20 | Little Oaks Childcare Center BACL-1044 | $2,245.61 | $1,283.09 | $737.96 | −$60.74 | $1,960.31 | Received |
| Nov 15 | Fruitvale Coffee Roasters BACL-1051 | $1,631.08 | $968.76 | $499.21 | −$38.25 | $1,429.72 | Servicer approving |
| Nov 15 · 13:51 | Fruitvale Coffee Roasters BACL-1051 | $1,631.08 | $968.76 | $499.21 | −$38.25 | $1,429.72 | Received |
| Nov 15 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | Short payment · held by servicer | — | Held | ||
| Nov 15 · 14:09 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | $554.80 | $345.20 | −$23.97 | $876.03 | Partial · received |
| Nov 15 | Lakeshore Hardware Co. BACL-1056 | $1,000.00 | Returned to borrower by servicer | — | Returned | ||
Received total
East Bay Growth Fund / BACL-1042 / Audit trail
View as
Riverside Bakery LLC
ActiveEast Bay Growth FundBACL-1042 · Shared with Harbor Impact Capital · Every event has a record ID anyone with access can verify
No Nov 15 payment yet. Riverside Bakery's next payment of $2,404.55 is due Nov 15.
Nov 15 payment received and validated. $2,404.55 is waiting for approval before it's split and sent.
Nov 15 payment reconciles $2,404.55=$2,116.17Harbor Impact Capital+$288.38BACL $0.00 variance
Events
| Time | Event | By | Amount | Record |
|---|---|---|---|---|
| Sunday, Nov 15, 2026 | ||||
| 08:44:31 | ↗Disbursed to BACL Operating ••2290 | System | $288.38 | rec_77a3…0f2 |
| 08:44:30 | ↗Disbursed to Harbor Impact Capital ••4417 | System | $2,116.17 | rec_c2b8…e61 |
| 08:44:12 | ✓Disbursement approved | Maya Chen | — | rec_9e30…b18 |
| 08:42:05 | ÷Split calculated · terms v1 | System | $2,404.55 | rec_5f07…d44 |
| 08:41:04 | ✓Validation passed · 3 of 3 checks | System | — | rules v1 |
| 08:41:02 | ↘Payment received · ACH into ••7731 | Riverside Bakery LLC | $2,404.55 | rec_a6e2…19c |
| Tuesday, Oct 27, 2026 | ||||
| 10:03:47 | ⇄Payment instructions published · ••2290 → ••7731 | Maya Chen | — | rec_31d9…7be |
| Monday, Oct 26, 2026 | ||||
| 09:20:15 | ★East Bay Growth Fund activated · terms v1 | Maya Chen | — | rec_8c1f…a02 |
| 09:15:40 | ▤Participation agreement attached · 4/4 terms match | Maya Chen | — | doc 4e7b…91a |
| 09:12:08 | +Added to East Bay Growth Fund from loan tape | Maya Chen | — | rec_41ad…c3f |
| 09:02:31 | ↥3 payments imported as history · Aug–Oct | Maya Chen | $7,213.65 | rec_2b71…e11 |
| 09:02:30 | ↥Loan imported · bacl-loan-tape-oct-2026.csv | Maya Chen | — | rec_2b71…e10 |
Proof-of-payment package
For capital providers and auditors — in place of a printed wire confirmation.
✓Borrower payment receipt
✓Allocation and split calculation
✓Disbursement confirmations (2)
✓Terms v1 and agreement fingerprint