Documents That Strengthen Your Business Funding Application
Bank statements, tax returns, and a brief use-of-funds note cover ninety percent of what lenders want. Three months of business bank statements, two years of returns (personal and business if you file a Schedule C), a current balance sheet, and profit-and-loss through last month. If you're applying for equipment financing, include the vendor quote. For commercial real estate loans, the property address and purchase agreement move things forward.
We review documents before submission so nothing stalls in underwriting.
What Happens After You Apply
We shop your file, you compare offers, then choose. Within two business days, lenders respond. We summarize terms, explain structures, and answer questions by phone. If you accept an offer, the lender orders appraisals or site visits (common for Sturtevant warehouse deals), verifies financials, and drafts closing documents. Timeline varies: working capital lines can fund in five days, SBA 7(a) loans typically take four to six weeks.
You're never locked in until you sign final papers.