When the decision is a decline, the specific principal reasons flow straight into a compliant ECOA / Regulation B notice.
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ACADIANA TRUST · COMMERCIAL LENDING
100 Jefferson Street · Lafayette, Louisiana 70501
Form AA-1
ECOA / Reg B §1002.9
STATEMENT OF CREDIT DENIAL, TERMINATION, OR CHANGE
Date: April 18, 2026
Applicant: Boudreaux Landscaping LLC
Application No.: APP-JOE-LOC-2026-04
Thank you for your application for a $250,000 commercial line of credit. After careful review, we are unable to approve your request at this time. The principal reason(s) for our decision were:
- Debt service coverage ratio of 1.10 — below the 1.25 minimum required for this product.
- Business deposit balances declined 31% over the trailing twelve months.
- Two or more insufficient-funds (NSF) events within the prior 90 days.
NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Deposit Insurance Corporation, Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106.
You have the right to a written statement of the specific reasons for this action if you request it no later than 60 days after the date of this notice.