Required Documents by Loan Type
Select your loan product to see the exact documents required for submission. Items marked REQUIRED must be included or your application will be delayed.
Commercial Loan — Required Documents
$50,000 – $10,000,000📋 Business Financials
Bank Statements — Last 3 Months
All business checking accounts, all pages. No missing pages accepted.
Year-to-Date P&L Statement
Current year profit & loss prepared by owner or accountant.
Business Tax Returns — Last 2 Years
Complete federal returns including all schedules (Form 1120, 1120-S, or 1065).
Personal Tax Returns — Last 2 Years
All owners with 20%+ equity stake. Form 1040 with all schedules.
Balance Sheet (YTD)
Current year balance sheet. Strengthens your application significantly.
🏢 Business & Legal Documents
Government-Issued ID
Driver's license or passport — all owners with 20%+ stake.
Articles of Incorporation or Operating Agreement
Entity formation documents (LLC, S-Corp, C-Corp, Partnership).
Business Debt Schedule
List of all current business obligations: lender name, balance, monthly payment, maturity date.
Business Plan / Executive Summary
Required for startups or businesses under 2 years old.
✅ Tip: Submitting a complete package with all required documents reduces processing time to 24–48 hours.
Commercial Real Estate — Required Documents
$250,000 – $25,000,000📋 Borrower Financials
Bank Statements — Last 3 Months
All business and personal checking accounts, all pages.
Personal Tax Returns — Last 2 Years
Form 1040 with all schedules, all owners with 20%+ equity stake.
Business Tax Returns — Last 2 Years
Required if property income flows through a business entity.
Personal Financial Statement
List of all personal assets, liabilities, and net worth for all guarantors.
🏗️ Property Documents
Rent Roll (Investment Properties)
Current rent roll showing all tenants, lease terms, rent amounts, and vacancy status.
Operating Statements (Last 2 Years + YTD)
Property income and expense statements (NOI documentation).
Purchase Contract
Fully executed purchase and sale agreement. Purchase transactions only.
Current Mortgage Statement
Most recent statement showing balance, rate, and payment. Refinance transactions only.
Existing Appraisal
Any appraisal completed in the last 12 months. Lender may order new one.
Environmental Reports / Phase I
Required by some lenders, especially industrial or gas station properties.
🏢 Entity & Legal Documents
Government-Issued ID
All owners with 20%+ stake — driver's license or passport.
Entity Documents
Articles of incorporation, operating agreement, or trust documents for vesting entity.
✅ Tip: For mixed-use or multi-family, include a property description with unit mix, average rents, and occupancy rate.
SBA Loans (7a & 504) — Required Documents
Up to $5,000,000📋 Business Financials
Business Tax Returns — Last 3 Years
Complete federal business returns with all schedules. SBA typically requires 3 years.
Personal Tax Returns — Last 3 Years
All owners with 20%+ equity stake. Form 1040 with all schedules.
YTD P&L Statement & Balance Sheet
Current-year financials prepared within 90 days of application. Owner or CPA signed.
Bank Statements — Last 3 Months
All business accounts, all pages.
Business Debt Schedule
All current loans, credit lines, and obligations with balances and monthly payments.
📝 SBA-Specific Forms & Documents
Personal Financial Statement (SBA Form 413)
Required for all owners with 20%+ stake. Must be completed and signed.
Government-Issued ID
All owners with 20%+ stake — driver's license or passport.
Articles of Incorporation / Operating Agreement
Entity formation documents with ownership breakdown.
Business Licenses & Registrations
All active business licenses, permits, and state registrations.
Business Plan
Required for startups or businesses under 2 years old. Optional but strongly recommended for others.
Franchise Agreement
Required if the business is a franchise. Include FDD disclosure document.
Real Estate Purchase Contract
Required for SBA 504 real estate or refinance transactions.
✅ Tip: SBA requires 3 years of tax returns vs 2 for conventional loans. Gathering these early saves significant processing time.
DSCR Investor Loan — Required Documents
$75,000 – $5,000,000🏠 Property Documents
Lease Agreement or Rent Roll
Current signed lease(s) showing monthly rent amount, tenant name, and lease term. For STR/Airbnb properties, provide AirDNA or equivalent rental income report.
Property Insurance Declaration Page
Current homeowner's or landlord insurance policy showing coverage amounts and annual premium.
Purchase Contract
Fully executed purchase agreement. Purchase transactions only.
Current Mortgage Statement
Most recent statement showing UPB, rate, monthly payment, and servicer. Refinance only.
Property Tax Bill
Most recent property tax bill or county assessor statement.
👤 Borrower / Entity Documents
Government-Issued ID
Driver's license or passport for all borrowers / guarantors.
Entity Documents (LLC / Trust)
Articles of organization, operating agreement, or trust certificate if vesting in an entity.
Portfolio Spreadsheet
For 5+ property portfolios: address, value, current mortgage, monthly rent for each property.
🔴 DSCR Loans do NOT require W-2s, pay stubs, personal tax returns, or employment verification. Qualification is based solely on the property's rental income divided by PITIA (Principal + Interest + Taxes + Insurance + HOA).
Merchant Cash Advance — Required Documents
$10,000 – $500,000📋 Business Financial Documents
Bank Statements — Last 4–6 Months
All business checking accounts, all pages. MCA lenders analyze monthly cash flow patterns closely.
Merchant Processing Statements — Last 3–4 Months
Credit card processing statements from Stripe, Square, PayPal, First Data, or your processor showing monthly card volume.
Voided Business Check
Voided check from the business checking account where funds will be deposited and repayment debited.
👤 Identity & Business Documents
Government-Issued ID
Driver's license or passport for all owners with 20%+ stake.
Business License or EIN Letter
Proof of business registration. Speeds up funding approval.
Existing MCA Agreements
If you have active cash advances, include current balance and daily/weekly payment amounts.
⚡ MCA approvals are typically the fastest of all products — often same-day or next-day. Providing 6 months of bank statements (vs 4) improves approval odds and advance amount.
Equipment Financing — Required Documents
$25,000 – $5,000,000🔧 Equipment Documents
Equipment Quote or Purchase Invoice
Formal quote or invoice from the vendor/dealer showing equipment description, model, year, and price.
Equipment Photos & Inspection Report
Required for used equipment 5+ years old or valued over $100,000.
Equipment Appraisal
Some lenders require third-party appraisal for specialized or high-value equipment.
📋 Business Financials
Bank Statements — Last 3 Months
All business accounts, all pages.
Business Tax Returns — Last 2 Years
Required for loans over $100,000. Under $100K may qualify with bank statements only.
YTD P&L Statement
Strengthens application, especially for seasonal businesses or newer companies.
👤 Identity & Business Documents
Government-Issued ID
Driver's license or passport for all owners with 20%+ stake.
Articles of Incorporation / Operating Agreement
Recommended for LLCs and corporations to confirm ownership.
✅ Tip: Equipment loans <$150,000 often qualify with simplified docs (bank statements + ID + invoice). Larger equipment loans follow the full commercial underwriting process.
Business Line of Credit — Required Documents
$25,000 – $2,000,000📋 Business Financials
Bank Statements — Last 3 Months
All business accounts, all pages. Lenders analyze average daily balances and cash flow consistency.
YTD P&L Statement
Current-year profit & loss prepared by owner or accountant.
Business Tax Returns — Last 2 Years
Required for credit lines over $100,000. Federal returns with all schedules.
Accounts Receivable Aging Report
If the LOC will be secured by receivables, include A/R aging report (current, 30, 60, 90+ days).
Inventory Report
If the LOC will be used for inventory financing, provide a current inventory valuation.
👤 Identity & Business Documents
Government-Issued ID
Driver's license or passport for all owners with 20%+ stake.
Articles of Incorporation / Operating Agreement
Entity formation documents confirming ownership structure.
Personal Tax Returns — Last 2 Years
All owners with 20%+ stake. Required for larger credit lines or weaker business credit profiles.
✅ Tip: Strong average daily balances (3–6 months of consistent deposits) are the single biggest factor in LOC approval. Include 6 months of bank statements if available.
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