$4,800,000 Summit Distribution LLC

You are the lending executive at Archetype Community Bank. Warehouse acquisition and improvements; 6-year relationship; target close in 45 days; illustrative DSCR 1.28x, LTV 68%. All records are fictional. This is a simulation, not a real loan.

1. Customer discovery
2. Package readiness
3. Credit & underwriting
4. Approval
5. Closing
6. Funding & scoreboard

Scene · Borrower conversation

1. Customer discovery

Summit's CFO wants to close on a $4.8M warehouse within 45 days. Purpose, timetable and required documents are not yet confirmed in writing.

Director: The fastest loans are lost in the first meeting. Confirm purpose, timetable and the document list now, and name an owner for every intake item.

Tasks

Confirm loan purpose and structureOwner: Relationship manager
Agree 45-day close milestones with borrowerOwner: Relationship manager
Send required-documents listOwner: Loan coordinator

How do you hand the opportunity to the production team?

Complete all tasks to unlock this decision.

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Hypothetical business value

Savings scoreboard

Set your own assumptions. Labor value counts only the share you mark realizable, so capacity and loan contribution are never double counted. Illustrative, not guaranteed.

Annual loan volume600 loansStaff hours per loan40 hAchievable hours saved20%Loaded hourly cost$65Share of capacity realizable as savings50%Additional funded loans / year12Contribution per added loan$18,000Annual solution cost$93,000Average assets$1.0B

Conservative

Recovered hours: 2,400
Realizable savings: $78,000
Added loan contribution: $108,000
Net modeled benefit: $93,000
Operational ROA contribution: 0.9 bps

Base

Recovered hours: 4,800
Realizable savings: $156,000
Added loan contribution: $216,000
Net modeled benefit: $279,000
Operational ROA contribution: 2.8 bps

Upside

Recovered hours: 7,200
Realizable savings: $234,000
Added loan contribution: $324,000
Net modeled benefit: $465,000
Operational ROA contribution: 4.7 bps

Test it in your bank: 30-day pilot, $19,999

Establish your baseline, test interventions on live workflow, measure throughput and effort, and leave with a finance-reviewed business case. Offer terms subject to approval.

Request a pilot discussion