Case study · 01 · Established Business
$524,500 in under four months
Andrew M. · Orlando, FL
- Accessed
- $524,500
- Detail
- Under 4 Months
- Location
- Orlando, FL
What the file
actually opened.
$164,500 of it came in at 0%. $360,000 did not. 0% is where the file starts, and the rest is what being bankable opened alongside it.
Approvals, limits and terms are decided by the institutions and depend on the file. Nothing here is a promised amount, rate or date.
The order we
ran it in.
Applications went out live on Zoom, in the order each institution wanted to see the profile. Nothing was submitted on a guess.
Citizens BLOCAPPROVED ✓
Amex BLOCAPPROVED ✓
BofA Business CC x30% ✓
Chase Ink x20% ✓Amex Blue Cash0% ✓Amex Blue Plus0% ✓
US Bank Triple Cash0% ✓How it read.
Andrew was already running an established business in Orlando. Revenue was there, the operation was real, and on paper he looked like someone a bank should want. He had never been through the process of having that file prepared and put in front of anyone in a deliberate order.
That is the whole gap. A file that could support real limits and a file that has been made ready to ask for them are not the same thing, and the difference is not revenue. It is the items an underwriter checks before revenue is ever discussed.
Those were cleared first. Then the applications went out, live, in sequence: the 0% card rounds ahead of the institutional lines, so that the larger asks were reading a profile with real reported activity behind them rather than a cold file.
Eight products in under four months. $164,500 of it at 0%. The other $360,000 is lines of credit, including a $250,000 line from Citizens and $90,000 from American Express, and that portion does not go away when an intro period ends.
Why this file
cleared.
- Two rounds, not one. The second was being designed while the first was still in approval
- $164,500 came in at 0%, and the $360,000 balance is revolving credit that does not expire with a promotional period
- The $250,000 Citizens line was approached after the card rounds, not before, because by then there was a profile to underwrite
- Eight products across six institutions, each approached in the order that desk reads a file
Who actually
approved it.
Six separate institutions approved on this file. Approvals, limits and terms are theirs to decide, and they depend on the profile in front of them.
- Citizens
- American Express
- Bank of America
- Chase
- Bluevine
- U.S. Bank
One file
is not a promise.
Nothing here was approved because of who the owner was.
Every figure on this page belongs to Andrew M. and to no one else. What carries across is the method: the file was read the way an underwriter reads it, the items that would have denied it were cleared first, and the applications went out in an order chosen for that profile. Whether your file can support the same thing is a question about your file, and it is the one the call answers.
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