The documents you’ll actually need.
No surprise requests halfway through. Here’s the exact checklist — the always-needed basics, the three numbers every lender asks for, and the product-specific add-ons.
The always-needed basics
Ninety percent of applications need the same short list. Have these ready and most offers come back the same day.
- Driver’s license or government IDFor every owner with a 20%+ stake.
- Voided business checkVerifies the account we fund into — or skip it entirely if you link via Plaid.
- Last 3–6 months of business bank statementsThe single most important document. PDFs from your bank portal, or a secure Plaid link.
Connect through Plaid and the statements — and often the voided check — are handled automatically. We never re-ask for something we already have.
The three numbers
Before any document, every lender wants three numbers. Know them and the conversation moves fast.
| Number | Why it matters |
|---|---|
| Average monthly revenue | Sizes how much you can borrow and repay. |
| Time in business | Separates a 6-month line from a 2-year SBA loan. |
| Personal credit (ballpark) | Sets the rate band — a soft pull confirms it, no score impact. |
Product-specific add-ons
Bigger or specialized products ask for a little more. Here’s exactly what’s added, by product — nothing you won’t see coming.
| Product | What’s added |
|---|---|
| SBA 7(a) | 2 years business & personal tax returns, YTD P&L, debt schedule |
| Equipment financing | Vendor quote or invoice for the equipment |
| Invoice factoring | A/R aging report and a customer list |
| Commercial real estate | Purchase contract or mortgage statement, rent roll, appraisal |
Every one of these is listed up front on the product page — for example, SBA Loans — and shown again as conditions to clear at signing. Same list, start to finish.
- 01Three things cover most applications: ID, a voided check, and 3–6 months of bank statements.
- 02Link your bank and the basics are automatic — nothing gets re-asked.
- 03Know three numbers up front: revenue, time in business, ballpark credit.
- 04Bigger products (SBA, CRE) add tax returns and financials — all listed up front.
Got your file ready? Let’s go.
Four minutes, one soft pull, and we shop 40+ lenders. Most offers come back the same day.