© Envestnet 2023
Personas Situation Details Potential Solution
Client looking to purchase first
home
Little cash on hand, but has
invested securities
SBLOC for down payment plus
traditional RE loan
Significant cash on hand for down
payment
Consumer RE Loan
Client looking to make a luxury
purchase
High risk tolerance with flexibility
to pay back at own pace,
substantial portfolio of securities
SBLOC adjustable rate loan
Low risk tolerance, wants fixed rate
and term, unwilling to take on high
tracking error from target asset
allocation
Consumer Unsecured with fixed
rate term loan
Client is looking to purchase a
second home
Unable to access or has low first
home equity, most assets are
invested
SBLOC for down payment plus
traditional consumer RE loan
High first home equity balance Cash-out refinance
Client needs cash flow for
business
Needs cash quickly to fund
expenses such as materials and
inventory, substantial invested
assets
SBLOC
Need for predictable rate and
term, no immediate cash need
Cash out refinance
Client needs emergency funds Needs cash quickly to fund
unforeseen business or personal
losses
SBLOC
Wants to create emergency fund in
advance
HELOC
High first home equity balance Cash-out refinance
Potential Credit Scenarios
© 2023 Envestnet, Inc.
Leveraging
Both Sides of the Balance Sheet to Help Build Wealth l 10
