Today's Net P&L โ Australia
+$0
Thu 5 Mar 2026 ยท Net collections less disbursements
Collected
$83,282
Disbursed
$39,300
Dishonours
$20,648
0/min
TX Velocity
--:--
Next Batch
Collected Today
$83,282
โ live
Disbursed Today
$39,300
69 loans
Dishonours
$20,648
13.1% rate
Est. Revenue
$21,570
25.9% margin
Tomorrow Schedule
$134,401
est. 87% clear
Clearing Account โ Live Balance LIVE
Monoova AU ยท real-time intraday movement
Open
$268,000
High
$284,873
Low
$260,400
Hourly Activity
Collections by hour today
Live TX Feed LIVE
Monoova AU0 tx
Intraday Flow โ Collections vs Disbursements
Cumulative today
Scorecard โ Actual vs Target
Collection Rate
Daily Collected
LVR (limit)
Avg Loan
$570
Loans Today
69
Returning %
65%
Daily Collections & Disbursements โ This Week
MonโThu ยท collected, disbursed, dishonoured
Cumulative Collections vs Target
Running week total (solid) vs linear target (dashed)
Daily Breakdown โ This Week
Day
Bar
Collected
Disbursed
Dishonour
Revenue
Rate
Day-of-Week Pattern
Historical average by day of week
Week-over-Week Trend
Weekly totals โ last 8 weeks
Monthly Collections Heatmap โ March 2026
Each cell = total collections that day ยท intensity = volume ยท yellow border = today
SUN
MON
TUE
WED
THU
FRI
SAT
MTD Cumulative vs Target
Actual (solid) vs linear target (dashed)
Current Month vs Prior Month
Same-day daily comparison
Prior Month โ Full Breakdown
| Period | Attempted | Collected | Dishonoured | Rate | Revenue | Margin | Loans |
|---|
6-Month Collections Trend
Month-by-month: collections, revenue, disbursements
DPD Stratification
Outstanding principal by days-past-due bucket
Book Growth โ 6 Months
Active principal outstanding by month
Vintage Loss Curves
Cumulative loss % by months-on-book per cohort
Loan Size Distribution
Active loans by principal band
RNC Covenant Monitoring โ Australia (Lightspeed CashFaster Ventures)
LVR โ 60 Day Trend
vs 70% limit
LVR โ Book Growth Sensitivity
How LVR falls as eligible book grows (debt fixed)
Covenant History
| Period | LVR | Status | VL | Status | OA Balance | Status | FLR | Status |
|---|
Daily Collections โ Prior Full Month
February 2026 ยท collections (green) vs dishonours (red)
Collection Rate by DPD Bucket
% of scheduled amounts that clear โ by arrears band
Payment Method Mix
Collection channel split
Intraday Timing Pattern
% of daily collections clearing by hour (avg)
Tomorrow's Collection Pipeline
| Batch Window | Scheduled | Loans | Est. Clear | Est. Revenue | Risk |
|---|
2026 Book Growth Forecast
Conservative scenario (5% VL) ยท book + revenue overlay
2026 Monthly P&L Forecast
Revenue, OpEx, VL losses, after-tax profit
2026 Monthly Forecast Table โ Conservative (5% VL, 25.9% Margin)
| Month | Book | Collections | Revenue | VL Loss | OpEx | Pre-Tax | After-Tax | LVR |
|---|
Loss & Performance
VL Rate (90d)5.0%
1%Covenant 10%15%
Collection Rate87%
60%95%
Costs
Monthly OpEx ($K)$65K
$50KCurrent $65K$250K
CAC New Customer$85
$40Current $85$300
Growth
New Loans/Month1,500
200~1,5005,000
Revenue Margin25.9%
15%25.9%40%
Stress Output โ 12-Month Projection
Stress โ Book Trajectory
Stress โ Monthly Profit