$100,000.00 will do nicely thank you very much he thought. He took a deep breath, and asked, “I would like a loan, please?”
Mr. Levy replied, “That shouldn’t be a problem Mr. Bravo. You’ve banked with us for many years.” Then he looked at the screen of his desktop computer, and typed in something. “How much do you need, Mr. Bravo?”
Alfredo asked calmly, “A hundred grand, please!”
The bank manager, a little thrown back in his seat, hesitated and then said, “That seems rather a large sum based on the movement of your account!”
Mr. Levy had been analyzing it beforehand, and realized Alfredo had never saved with them.
Alfredo asked straight out, “How much of the hundred grand can you lend me?”
Mr. Levy asked, “What is the money for?”
“I’ve got some home improvement projects that require TLC, and in order to get the projects finished I need the cash.”
“Can you substantiate where exactly the money will be spent?"
“The trouble is Mr. Levy, I can’t. However, I can assure you the funds will be paid back in full with any interest outstanding on the loan.”
“I understand Mr. Bravo, but what you need to appreciate is my commitment to the bank to secure such a transaction.” Then he continued, “If you have appropriate collateral such as the deeds to your premises, then we could offset any complications." He finished his explanation, “You do understand, don’t you Mr. Bravo?”
The truth was that Alfredo rented, so coming up with any title-deeds would be fruitless.
“Alright, Mr. Levy.” He paused, and then continued, “So in order to secure such a substantial amount, of course I can!” He paused again, and went on, “But right now, today, I require $10,000 to pay immediate expenses. So, let’s get that small loan sorted, right now. And then we will arrange the rest in due course, ok?”
“I can do that. Let me print out the contract. Sign it, and we’ll make the money available in your account in 24 hours, ok?”
Mr. Bravo had to pay the Sampson twins today, and therefore exclaimed, “Please, make the funds enter my account now. I really have to sort out issues this morning with suppliers and labor costs need to be paid. I’d be very grateful!”
Mr. Levy, thought long and hard, and then sighed in relief, “Yes, Mr. Bravo, I’ll do it right away. We appreciate your business!”
Prof. Carl Boniface
Substantiate (v) = validate, authenticate, prove, confirm, demonstrate, support, (ant) disprove
TLC = is an abbreviation of “tender loving care.”
Title-deeds (n) = the deed constituting the evidence of a person's legal ownership.
Sighed (v) = exhaled, breathed, heave a sigh, exhale noisily. In the case of the bank manager; emit a long, deep, audible breath expressing sadness, relief, tiredness, or a similar feeling. "Harry sank into a chair and sighed with relief"