- 01
The situation
A resort owner had applied for expansion financing. The bank kept coming back with questions, and the application was stalling.
- 02
What we found
The projections mixed seasonal and off-season months without separating them, and the collateral and ownership documents did not match the bank's checklist.
- 03
What we did
We rebuilt the financial projections month by month to reflect the resort's real seasonal pattern, and assembled the documentation set in the order the bank's credit committee reviews it.
- 04
What changed
The file moved from repeated queries to a single review pass.
The lesson
Most loan delays are a documentation problem, not a business problem.
