04 · Business
Business loans.
A one-page memo beats a rushed application.
What it covers
Working capital, equipment purchase, expansion, and acquisition financing for owner-operated companies.
Who this fits
Owners who need a lender-ready package instead of a rushed application from a broker cold call.
Method
How we prepare this file.
01
Ask
We frame the request with a specific use of funds and the revenue line it supports.
02
Numbers
Two years of returns, a clean YTD P&L, six months of business statements and a current debt schedule.
03
Memo
A one-page cover memo that a credit officer can read before they open the exhibits.
Documents
What you'll typically need.
- 01Business tax returns (2 years)
- 02Year-to-date P&L and balance sheet
- 03Business bank statements (6 months)
- 04Debt schedule
Questions
Do you work with startups?
We work with operating companies that have at least a full year of revenue history.
SBA or conventional?
Both, depending on the ask and the timeline. We help you decide which lane fits before you apply.