Define the request
Write down the use, amount, timing, equity and a realistic sources-and-uses schedule.
GUIDE & CHECKLIST
Preparing for Commercial Financing
Before contacting financing sources, make sure the amount, purpose, timing and repayment story agree with the financial information.
Why this matters
Preparation can protect time. Before outreach, align the business goal, requested amount, financial record and proposed source of repayment.
Work through the details
Explain the numbers
Reconcile historical results, current trends and projections; distinguish recurring performance from one-time events.
Pressure-test the plan
Consider existing debt, slower sales, property vacancy or project delays before selecting a structure.
Preparation checklist
- Reconcile key financial statements and tax returns
- Explain material changes and one-time items
- Build a realistic sources-and-uses schedule
- Identify possible lender questions early
Questions that can slow a request
A number without a rationale
The amount requested may not cover the full project or may exceed supported repayment.
Surprises during review
Unexplained losses, owner distributions or covenant issues can delay a lender decision.
How Alliance helps
A lender pass after weeks of work is frustrating, especially when the issue was visible early. Alliance tests your amount, repayment story, and financial records before outreach, then targets sources suited to the request. You enter the discussion with clearer answers and a more purposeful use of your time.
Related financing needs
Expansion & Growth
New contracts, locations, and customers bring opportunity, but expenses often arrive before revenue. Explore growth financing built around the cash your expansion needs.
Explore ↗Debt Refinance & Restructuring
An approaching maturity or debt payments putting pressure on cash flow demand a clear plan. Explore refinancing and restructuring options aligned with your business or property goals.
Explore ↗Keep learning
Commercial Loan Documentation Checklist ↗Understanding Global Cash Flow ↗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.