Business and ownership
Gather entity information, ownership chart, key principals and any relevant guarantor information.
GUIDE & CHECKLIST
Commercial Loan Documentation Checklist
A complete package lets a lender evaluate the borrower, use of funds, repayment and collateral together.
Why this matters
A complete first package helps a lender understand the borrower, purpose, repayment and collateral together. Exact requirements vary, so start with core records and add transaction-specific support.
Work through the details
Financial performance
Prepare historical financial statements, recent interim results, tax returns and a current debt schedule; explain material differences.
Request and transaction
Describe the amount, use of proceeds and repayment plan. Include a purchase agreement, property records or equipment quote when relevant.
Preparation checklist
- Business financial statements and tax returns
- Current debt schedule with balances and payments
- Ownership and entity documents
- Use-of-proceeds summary and transaction documents
Questions that can slow a request
Missing periods
A lender may pause when statements, returns or interim results do not cover the requested period.
Unclear use of funds
A request without a sources-and-uses schedule can leave the amount difficult to support.
How Alliance helps
Tired of hearing that one more document is needed? Alliance assembles a focused starting package, flags gaps before lender outreach, and adapts the list to your request. You spend less time chasing preventable follow-ups and more time evaluating financing options.
Related financing needs
Working Capital
Growing sales should not leave you struggling to cover payroll, inventory, or everyday expenses. Explore working capital financing aligned with when your business pays out cash and collects it.
Explore ↗Commercial Real Estate
A property opportunity or approaching maturity brings deadlines you cannot ignore. Explore financing for commercial property purchases, refinancing, improvements, and investment plans.
Explore ↗Keep learning
Preparing for Commercial Financing ↗Understanding Commercial Loan Term Sheets ↗How commercial financing works ↗
Educational guidance only. Requirements and calculations depend on the lender, program and transaction; this is not an approval or a lender-specific checklist.
LET’S TALK
Want to discuss your financing request?
Alliance can help identify the questions and documents that matter for your situation.