Resources
Documents checklist.
What lenders commonly ask for with each type of financing. The lender and the product set the final list.
To check eligibility
Nothing. A few questions about your business, no documents and no credit impact.
Working capital, lines of credit and ecommerce
Lenders focus on recent deposits and cash flow.
- 3 to 6 months of business bank statements
- One-page application
- Government ID for the owner
- Voided check or bank letter for funding
- Platform sales report for ecommerce sellers
Term loans and equipment financing
A short file, plus the asset details for equipment.
- 6 months of business bank statements
- Short application
- Vendor quote or invoice for equipment
- Most recent business tax return for larger amounts
- Debt schedule if you carry other financing
Invoice factoring
Your customers' credit matters as much as yours.
- Accounts receivable aging report
- Sample invoices and customer list
- Articles of organization
- Any existing lien information
SBA loans and commercial real estate
The most documentation, in exchange for longer terms.
- 3 years of business tax returns
- 3 years of personal tax returns for each 20%+ owner
- Year-to-date profit and loss and balance sheet
- Business debt schedule
- Personal financial statement
- Use-of-funds summary or business plan
- Purchase agreement, appraisal and environmental report for property
Capital Ally
Start with the eligibility check.
No documents needed to begin. Your advisor tells you which of these your request needs. Checking does not affect your credit score.