The Situation
Client arrived in the middle of a contested divorce. Liquid net worth hovering around $15k. Every major lender — Climb, Eaze, Ascent, Sallie Mae — auto-declined. On paper, an impossible deal.
What I Did
Split the $45k contract across four financing sources: a reduced Climb advance, an AMEX deposit, a personal loan against a paid-off asset, and a structured international transfer from family abroad. Three weeks of coordination. Seven follow-up calls.
The Close
$35k cash collected on a $45k contract. Zero defaults. The client is mid-programme and has referred two additional students to the firm.