A food truck, a landscaper and a therapy clinic apply twice in this FI310 Unit 4 case study, once to an eight-minute algorithm and once to a bank. Searches like "fi 310 unit 4 assignment example", "fi310 unit 4 sample" and "fi310 unit 4 example" land here.
What a finished FI310 Unit 4 digital lending case study looks like
Six to seven pages in case study form. The background section describes the lender's model in plain terms: twelve months of transactions pulled from linked business accounts, scored on deposit consistency, balance troughs and existing debt payments, with the owner's credit score as one input among several. Loans run 10,000 to 150,000 dollars, repaid by automatic weekly debits. Three composite applicants follow. A food truck in its second year, with steady deposits but no second tax return, is declined by the bank and approved by the model. A twelve-year landscaping firm with collateral and a thin winter is approved by the bank and declined by the model. A physical therapy clinic is approved by both, at an estimated annual cost near 9 percent from the bank and 33 percent online.
How a FI310 Unit 4 example is structured
Background, cases, analysis, implications. The background section fixes both processes before any applicant appears, so the bank's month-long review of tax returns, statements and collateral is on the page alongside the model's inputs. Each applicant then gets a short profile, the same four facts every time: age of business, deposit pattern, collateral, and the owner's credit score. The outcome at each lender follows with the reason stated in terms of the process, such as the bank's two-year tax return requirement or the model's penalty for balance days below zero. An analysis section generalizes from the three: the model rewards regular cash flow and punishes seasonality, while the bank rewards documentation and history. Implications close the paper, pricing what speed costs the borrower and naming which risk the lender now carries without a loan officer's judgment.
Two processes before three applicants
The bank's document review and the model's account-data scoring are described side by side, each with its time to decision, before any business applies.
The food truck the bank refused
Eighteen months of steady card deposits satisfy the model, while the bank's two-year tax return rule stops the file before anyone reads it.
The landscaper the model refused
Twelve years of history and a paid-off equipment fleet count for nothing in a score that sees forty days of near-zero balances every January and February.
Same clinic, two prices
Both lenders approve the therapy clinic, and the paper converts the online lender's fixed fee and weekly debits into an annual cost so the two offers can be compared.
Where the loan officer's judgment went
The analysis names what the model cannot weigh, such as a signed spring contract, and argues that the lender prices that blindness into every approval.
Where marks go in FI310 Unit 4
Lending cases in FI310 lose the most when the automated model is treated as simply faster, as if the same people were approved sooner. The unit's real question is whose outcome changed, and a paper without at least one applicant who fares worse under automation has not found it. Pricing omitted is the next deduction; an approval at 33 percent annual cost is a different product from one at 9, and fixed fees need converting before the two can be compared. Describing the model as artificial intelligence without saying which inputs it scores is a common deduction. So are claims about a named lender's approval rates drawn from its advertising. Better papers keep a line for the lender's side too, showing which risk it took on when it removed the underwriter.
Get a FI310 Unit 4 example written to your instructions
Share the lender and applicant details your Unit 4 case supplies, or describe a small business you know that borrowed recently, plus the FI310 rubric and instructions. The case study is built on those applicants, outcomes explained by process and offers priced on one annual basis. Nothing is charged for the first custom sample; it normally arrives in 24-48h.
FI310 Unit 4 questions, answered
How is a fixed-fee loan converted to an annual cost?
The sample divides the fee by the amount borrowed, then accounts for the balance shrinking with every weekly debit, since the borrower never holds the full sum for the whole term. A 1.13 factor on a nine-month loan looks like 13 percent, yet it works out near 33 percent a year, the figure reported for the clinic. Each step of that conversion is shown so it can be checked.
Is the sample arguing that automated lending is worse?
No. The food truck is the clearest winner in the case, a young business that a document-based process could not see at all. The argument is narrower: automation changes which businesses get credit and at what price, and the landscaper shows who loses. FI310 rewards that balance, so a case that finds winners and losers on both sides reads as analysis rather than advocacy.
Does the case need to discuss lending law?
Only lightly in this course. FI310 is about what the technology does to the lending process, so the sample notes that declined applicants are generally owed notice and reasons, and leaves the legal analysis there. Fairness rules and model testing belong more to a law and ethics course. If your Unit 4 rubric asks for regulation, the custom version adds a short section built to that criterion.