Application Checklist

📋 Business Financing (Lines of Credit, Term Loans, Working Capital)

3–6 months of business bank statementsCompleted business loan applicationGovernment-issued photo ID (driver's license or passport)Business EIN (Employer Identification Number)Business formation documents (if requested)Voided business check (for funding deposit)

🏛️ SBA Loans

2 years of personal tax returns2 years of business tax returnsYear-to-date profit & loss statementCurrent balance sheetBusiness bank statements (3–6 months)Business license and formation documentsGovernment-issued photo IDPersonal financial statement (SBA Form 413)

🧾 Invoice Factoring

Aging report of outstanding invoicesSample invoices and customer listBusiness bank statements (3 months)Articles of incorporation or formation documentsGovernment-issued photo IDAccounts receivable aging summary

🏠 HELOC

Valid US government-issued ID (driver's license, state ID, or passport)Property address and current mortgage informationIncome verification (linked bank account, paystubs, or tax returns)Homeowners insurance documentationHOA statement (if applicable)For trust-held properties: full Certificate of TrustProperty must have been purchased 90+ days ago

📐 DSCR Loans

Valid government-issued IDCurrent executed lease agreement (minimum 12-month term)Homeowners insurance documentation for the propertyAsset verification — minimum 3 months liquid reserves (PITIA)HOA statement (if applicable)If LLC: Operating Agreement, Articles of Organization, Certificate of Good Standing, ResolutionProperty must be an investment property — business purpose only

⚙️ Equipment Financing

Equipment invoice or quote from sellerBusiness bank statements (3 months)Government-issued photo IDBusiness EIN and formation documentsEquipment description and serial number (if used equipment)

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