CASE 1.1 MIDI CAPITAL CANADA, COMMERCIAL TRANSPORTATION FINANCING DIVISION It was early morning on April 15 2016, when Steve Brant, assistant account manager for the Commercial Transportation Financing Division of Midi Capital Canada in Toronto, Ontario, Canada, finished reading the morning copy of The Financial Post and began reviewing a loan request for $270,000 submitted by an existing client - Simon Carriers Lid. Simon Carriers, a trucking company, requested the $270,000 loan to purchase two new 2016 Freightliner transport trucks, four new 53-foot trailers and four new mobile satellite systems that would be used to track the location of the transport trucks. Brant had to make a decision on the loan request and forward a report to the senior account manager for approval that afternoon