Case study · 03 · Real Estate
$249,500 across twelve products
Menard S. · Hartford, CT
- Accessed
- $249,500
- Products
- Twelve
- Location
- Hartford, CT
What the file
actually opened.
$159,500 of it came in at 0%. $90,000 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.
Chase Ink Unlimited0% ✓Chase Ink Cash0% ✓
Wells Fargo Signify0% ✓
BofA Customized0% ✓BofA Unlimited0% ✓BofA Travel0% ✓
US Bank Platinum0% ✓
Amex Blue Cash0% ✓Amex Blue Plus0% ✓How it read.
Menard is a real estate investor in Hartford with multiple properties, and that profile is read differently than an operating company. Income does not arrive evenly, the entity structure is usually layered, and most of the collateral an underwriter can see is already pledged against something.
The engagement worked with that rather than around it. Instead of pursuing two or three large approvals that a portfolio profile tends to lose, the file was taken to twelve products across eight institutions, each sized to what that desk would actually approve.
$159,500 of the total came in at 0%: Chase Ink Unlimited at $41,000, KeyBank at $25,000, Chase Ink Cash at $23,000, Wells Fargo Signify at $22,000, then three Bank of America limits and the smaller U.S. Bank and American Express cards.
The remaining $90,000 is a different instrument entirely. $45,000 from Lightstream and $45,000 in equipment finance from Southend Capital are term products, underwritten on their own criteria, and they sit on the file as installment history rather than revolving utilization.
Why this file
cleared.
- Twelve products across eight institutions, which is the widest spread of any file here and the reason no single desk carries the exposure
- $90,000 of it is term money, not revolving: $45,000 from Lightstream and $45,000 in equipment finance from Southend Capital
- Three separate Bank of America limits were opened rather than one, because that issuer will approve breadth on a file it already knows
- The $159,500 at 0% was built from ten smaller approvals instead of two large ones, which is what an investor profile will actually support
Who actually
approved it.
Eight separate institutions approved on this file. Approvals, limits and terms are theirs to decide, and they depend on the profile in front of them.
- Lightstream
- Southend Capital
- Chase
- KeyBank
- Wells Fargo
- Bank of America
- U.S. Bank
- American Express
One file
is not a promise.
Nothing here was approved because of who the owner was.
Every figure on this page belongs to Menard S. 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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