Checklist

If you are applying for a commercial loan, below is a list of documents that are generally requested during the lending process.

Submit a Commercial Loan Inquiry

Commercial Loans – Fixed Assets, Equipment, Lines of Credit

• Business
• 3 years of business tax returns
• Quarterly interim financials (and prior year comparable)
• Recent quarterly accounts receivable aging
• 12 month forward financial outlook (include any anticipated capital expenditures and material income/expense changes)
• Debt schedule
• Business profile summary (include years in business, ownership breakdown, products/services provided, summary of management structure, etc.)
• Articles of organization or operating agreement
• Personal
• 3 years personal tax returns (W-2 if most recent is not yet available)
• 3 years business tax returns of all pass-thru business income (sch E)
• Current personal financial statement 

Business Real Estate – Investment and Owner Occupied

• Real Estate Holding Company
• 3 years of business tax returns
• Current rent roll (tenant name, occupancy date, lease expiration date, monthly rent amount, tenant paid expenses) and Leases if appropriate
• 12 month forward financial outlook (include any anticipated capital expenditures and material income/expense changes)
• Debt schedule
• Business profile summary (include years in business, ownership breakdown, summary of management structure, etc.)
• Articles of organization or operating agreement
• Personal
• 3 years personal tax returns (W-2 if most recent is not yet available)
• 3 years business tax returns of all pass-thru business income (sch E)
• Current personal financial statement