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Welcome back, NovaPay

Your facility is performing well. All covenants are within compliance. Next revenue sweep: April 1, 2026.

Vault Allocation
$4,000,000
Drawable: $1,200,000 (30%)
Interest Rate
12.5%
6–10pts below local alternative
Covenant Status
Compliant
All 4 covenants met
Vault Floor
70%
Next unlock at month 12 → 60%
Progressive Trust — Vault Floor Schedule
Month 8 — Floor at 70%
Months 0–6
80% locked · 20% drawable
✓ Completed
Months 6–12
70% locked · 30% drawable
← Current
Months 12–18
60% locked · 40% drawable
NRR >100% required
Months 18–24
50% locked · 50% drawable
Full trust earned
Locked — $2,800,000 Drawable — $1,200,000
Covenant Compliance
All Clear
Monthly Recurring Revenue
$685K actual$520K floor
Net Revenue Retention
118% actual100% minimum
Monthly Churn Rate
2.1% actual5.0% ceiling
Vault Balance Floor
$3.12M balance$2.8M floor (70%)
Revenue Intercept Controls
Active
💳
Stripe Sweep
15% daily
Automatic sweep of Stripe-processed revenue to vault
⏱️
Velocity Limit
25% / 24hr
Max daily draw as % of drawable balance
📊
Vault Floor
$2,800,000
Locked balance — decreases as you build track record
Recent Activity
Revenue sweep: $41,667 distributed to investor via Bridge
March 1, 2026 · Smart contract → Bridge → USD
Vault floor unlocked: 80% → 70%. Drawable capacity increased to $1.2M.
February 28, 2026 · Covenant engine
MRR covenant check: $685K vs $520K floor — Compliant
February 20, 2026 · Stripe Connect API
Revenue sweep: $41,667 distributed to investor via Bridge
February 1, 2026 · Smart contract → Bridge → USD
Draw request approved: $180,000 disbursed to NovaPay bank account via Bridge
January 22, 2026 · USDC → Bridge → BRL wire

Apply for Capital

USD-denominated growth capital for tech companies outside the US. Term sheet in as fast as 5 business days. Fund in USD or local currency.

1
Business Info
2
Financial Data
3
Loan Request
4
Data Connections
5
Review & Submit
Financial Overview

Payment Schedule

Revenue sweeps are processed automatically via Stripe Connect. Draws are disbursed in USD or BRL via Bridge. You never touch crypto.

Next Revenue Sweep
$41,667
Auto-sweep April 1, 2026
Total Swept to Date
$333,336
8 monthly sweeps
Drawable Balance
$1,200,000
30% of $4M vault allocation
Sweep & Draw History
DateTypeAmountVault Balance AfterStatus
Apr 1, 2026Revenue Sweep$41,667.00$3,161,667Upcoming
Mar 1, 2026Revenue Sweep$41,667.00$3,120,000Swept
Feb 1, 2026Revenue Sweep$41,667.00$3,078,333Swept
Jan 22, 2026Draw-$180,000.00$3,036,667Disbursed
Jan 1, 2026Revenue Sweep$41,667.00$3,216,667Swept
Dec 1, 2025Revenue Sweep$41,667.00$3,175,000Swept
Nov 15, 2025Draw-$250,000.00$3,133,333Disbursed
Nov 1, 2025Revenue Sweep$41,667.00$3,383,333Swept
Oct 1, 2025Revenue Sweep$41,667.00$3,341,667Swept
Sep 1, 2025Revenue Sweep$41,667.00$3,300,000Swept
Aug 15, 2025Initial Draw-$400,000.00$3,258,333Disbursed

Refer & Earn

Know another tech company that needs growth capital? Refer them to Even Keel and earn a rate reduction on your facility.

Your Referral Link

Share this link with other SaaS, fintech, or e-commerce companies in LatAm, India, or other emerging markets. When they close a facility, you earn a 25bps rate reduction.

evenkeel.co/ref/novapay-br
Referrals Sent
3
Closed Facilities
1
Rate Reduction Earned
25bps
Referral Activity
CloudMetrics (Colombia) — Facility closed ($3.2M). You earned a 25bps rate reduction.
February 10, 2026
PayLink (Brazil) — Application under review.
March 5, 2026
Cartão Digital (Mexico) — Link clicked, no application yet.
March 12, 2026