Today's Net P&L — Live Accumulator
+$0
Thu 5 Mar 2026 · Net collections after disbursements
Gross Collected
$83,282
Disbursed
$39,300
Dishonours
$20,648
0/min
TX Velocity
--:--
Next Batch
Total Collected Today
$83,282
↑ +$5.3K vs yesterday
Total Disbursed Today
$39,300
across 69 loans
Dishonours Today
$20,648
Rate: 13.1%▼ good
Est. Revenue Today
$21,570
Margin: 25.9%
Pending Tomorrow
$134,401
scheduled DDs
Monoova Intraday Balance LIVE
Today's clearing account — real-time movement
Open
$268,000
High
$284,873
Low
$260,400
Hourly Collection Activity
Collections by hour — current day
Live TX FeedLIVE
Real-time transaction stream0 tx today
Collections vs Disbursements — Intraday
Cumulative flow for today
Today's Performance Scorecard
Collection Rate
Daily Collected
Daily Revenue
LVR (70% limit)
Avg Loan
$570
Loans Today
69
Returning
65%
WTD Collections
$439,682
Mon 2 – Thu 5 Mar
WTD Disbursed
$145,000
4 trading days
WTD Revenue
$113,878
25.9% margin
WTD Dishonours
$64,048
avg 13.0%
Avg Daily Coll
$109,921
this week
WTD Net
$294,682
coll − disbursed
This Week — Daily Collections & Disbursements
Comparison by day — collected (green), disbursed (pink), dishonoured (red)
Weekly Cumulative Collections
Running week total vs target trajectory
Daily Breakdown — This Week
Mon 2 Mar → Thu 5 Mar 2026 (today partial)
Day
Collection Bar
Collected
Disbursed
Dishonour
Revenue
Rate
Day-of-Week Performance Pattern
Historical collection averages by day (Feb 2026)
Week-over-Week Trend
Weekly total collections — last 8 weeks
MTD Collections
$484,882
of $1.5M target · 32.3%
MTD Disbursed
$163,000
across 5 days
MTD Revenue
$125,548
25.9% margin
MTD Dishonours
$70,648
13.1% rate
MTD Avg Daily
$96,976
5 days so far
Projected Month
$1.35M
extrapolated
March 2026 — Daily Collections Heatmap
Each cell = total collections that day · darker green = higher volume · yellow border = today
SUN
MON
TUE
WED
THU
FRI
SAT
March MTD — Cumulative Collections
Actual (green) vs linear target trajectory (dashed)
March vs February — Daily Comparison
Current March daily rate vs same-day February actuals
February 2026 — Full Month Actuals
Closed month · $1,955,937 attempted · $1,415,117 collected · $366,403 revenue
| Week | Attempted | Collected | Dishonoured | Coll Rate | Revenue | Margin | Loans Issued |
|---|---|---|---|---|---|---|---|
| Week 1 (Feb 1–7) | $478,200 | $345,210 | $132,990 | 72.2% | $89,409 | 25.9% | 512 |
| Week 2 (Feb 8–14) | $498,600 | $368,284 | $130,316 | 73.9% | $95,385 | 25.9% | 534 |
| Week 3 (Feb 15–21) | $518,750 | $382,114 | $136,636 | 73.7% | $98,968 | 25.9% | 558 |
| Week 4 (Feb 22–28) | $460,387 | $319,509 | $140,878 | 69.4% | $82,741 | 25.9% | 558 |
| February Total | $1,955,937 | $1,415,117 | $540,820 | 72.4% | $366,403 | 25.9% | 2,162 |
Monthly Trend — Last 6 Months
Collections, disbursements, and revenue — month-over-month
Active Principal
$2,426,822
6,819 active loans
Eligible (≤30 DPD)
$1,929,938
79.5% of book
At Risk (31+ DPD)
$496,883
20.5% of book
VL Rate (90d)
3.35%
covenant max 10%
Portfolio DPD Stratification
Outstanding principal by days-past-due bucket
BUCKET
EXPOSURE BAR
AMOUNT
% BOOK
Current
$1,617,513
66.6%
1–30 DPD
$312,425
12.9%
31–60 DPD
$180,511
7.4%
61–90 DPD
$146,637
6.0%
90+ DPD
$169,735
7.0%
Total Book
$2,426,821
RNC Eligible
$1,929,938
At Risk
$496,883
Book Growth — 6 Month Trend
Active principal outstanding ($M) — monthly snapshots
Vintage Loss Curves — Monthly Cohorts
Cumulative loss % by months-on-book for each origination vintage
Loan Size Distribution
Count of active loans by principal band
Roadnight Capital (RNC) — Live Covenant Monitoring · Lightspeed CashFaster Ventures Pty Ltd
⚠️ WATCH
LVR Covenant
67.7%
Limit: 70.0% · Headroom: $60K
Formula: Debt ÷ (Funding Acct + Eligible Disb.)
✓ OK
Vintage Loss (90d)
3.35%
Limit: 10.0% · Headroom: 6.65pp
3 consecutive month average · 3–5 months prior
⚠️ THIN
Operating Account
$101,123
Min: $100,000 · Buffer: $1,123
Feb 28 2026 · Dec 2025 was $54,649 ⚠️
✓ MET
First Loss Reserve
5.00%
Req: 5% of outstanding · $75,000
$1.5M × 5% = $75K · exactly met
LVR Trend — Last 60 Days
Daily LVR vs 70% covenant ceiling (red dashed)
LVR Sensitivity — Book Growth Impact
How LVR changes as eligible book grows (debt fixed at $1.5M)
Covenant History — Monthly Compliance Report
| Period | LVR | Status | VL (90d) | Status | OA Balance | Status | FLR | Status |
|---|---|---|---|---|---|---|---|---|
| Aug 2025 | 58.2% | ✓ | 11.4% | ✗ BREACH | $142,000 | ✓ | 5.00% | ✓ |
| Sep 2025 | 61.4% | ✓ | 8.9% | ⚠️ Hi | $128,400 | ✓ | 5.00% | ✓ |
| Oct 2025 | 64.1% | ✓ | 6.2% | ✓ | $115,600 | ✓ | 5.00% | ✓ |
| Nov 2025 | 65.8% | ✓ | 4.8% | ✓ | $108,200 | ✓ | 5.00% | ✓ |
| Dec 2025 | 66.3% | ✓ | 3.9% | ✓ | $54,649 | ✗ BREACH | 5.00% | ✓ |
| Jan 2026 | 67.1% | ⚠️ | 3.6% | ✓ | $98,400 | ⚠️ | 5.00% | ✓ |
| Feb 2026 | 68.97% | ⚠️ Tight | 3.35% | ✓ | $101,123 | ⚠️ Thin | 5.00% | ✓ |
Feb Attempted
$1,955,937
2,162 loans
Feb Collected
$1,415,117
$656/loan avg
Feb Dishonoured
$540,820
27.6% of attempted
Feb Revenue
$366,403
25.9% on collected
Avg Loan
$570
down from $612 Jan
Represent Rate
42%
of dishonours retry
February — Daily Collection Detail
Collections (green bar) vs dishonours (red bar) — each day
Collection Rate by DPD Bucket
What % of scheduled amounts actually clear — stratified by DPD
Payment Method Mix
Direct debit vs other payment methods — Feb 2026
Collection Timing — Intraday Pattern
When during the day collections typically clear (avg % by hour)
Collection Pipeline — Tomorrow's Schedule
Fri 6 Mar 2026 · $134,401 scheduled · est. 87% clearance = ~$116,929
| Batch Window | Scheduled | Loans | Est. Clear | Est. Revenue | Prior DPD | Risk |
|---|---|---|---|---|---|---|
| 06:00 – 09:00 Early | $28,400 | 52 | $24,708 | $6,399 | Current | Low |
| 09:00 – 12:00 Morning | $42,800 | 81 | $37,236 | $9,644 | 1–15 DPD | Low |
| 12:00 – 15:00 Arvo | $38,200 | 68 | $32,034 | $8,297 | 16–25 DPD | Medium |
| 15:00 – 18:00 Afternoon | $18,600 | 34 | $14,880 | $3,854 | 26–30 DPD | Medium |
| 18:00+ Evening Late | $6,401 | 11 | $5,121 | $1,326 | 30+ DPD | High |
| Total Tomorrow | $134,401 | 246 | $113,979 | $29,520 | — | 84.8% |
Mar Forecast
$1.35M
collections
Mar Rev Forecast
$349,650
25.9% margin
Jun Book Forecast
$4.2M
conservative
Dec Book Forecast
$6.31M
5% VL scenario
Dec After-Tax Profit
$1.56M
per month by Dec
Dec LVR Forecast
59.4%
improving
2026 Book Growth Forecast — Conservative (5% VL)
Monthly book size · revenue margin · after-tax profit per month
2026 Monthly P&L Forecast
Revenue, OpEx, and after-tax profit by month
2026 Monthly Forecast Table — Conservative Scenario (5% VL, 25.9% Margin)
| Month | Book | Collections | Revenue | VL Loss | OpEx | Pre-Tax Profit | LVR |
|---|
Scenario & Stress Testing — CashFaster Portfolio
VL Rate Stress
VL Rate (90d)5.0%
1%Covenant 10%15%
Collection Rate87%
60%95%
OpEx & CAC Stress
Monthly OpEx ($K)$65K
$50KCurrent $65K$200K
CAC New ($)$85
$40Current $85$300
Book Growth Inputs
New Loans/Month1,500
200Current ~1,5005,000
Revenue Margin %25.9%
15%Actual 25.9%40%
Stress Test Output — 12-Month Projection
Stress Scenario — Book Projection
Stress Scenario — Monthly Profit