Use this checklist to prepare your loan application. Having all documents ready before you apply can reduce processing time by 50% and improve your chances of approval. Work with your Fintek Capital loan advisor to ensure nothing is missed.
Personal Documents (All Borrowers / Guarantors)
- Personal financial statement (signed and dated within 60 days)
- Personal tax returns (last 2-3 years)
- Driver's license or government-issued ID
- Personal credit report authorization
- Resume or bio showing management experience
- Bank statements (last 3 months, all accounts)
- Schedule of real estate owned (if applicable)
- Personal tax returns for all 20%+ owners
- Voided business check for autopay setup
- Divorce decree or support documentation (if applicable)
Business Documents
- Business tax returns (last 2-3 years)
- Year-to-date profit & loss statement
- Year-to-date balance sheet
- Business bank statements (last 3-6 months)
- Articles of incorporation / organization
- Operating agreement or bylaws
- Certificate of good standing
- Business licenses and permits
- Current debt schedule (all business debts)
- Accounts receivable / payable aging reports
- Business insurance policies
- Payroll records (last 3 months)
Property / Collateral Documents
- Purchase agreement or contract
- Property appraisal (ordered by lender)
- Environmental Phase I assessment
- Property survey
- Lease agreements (if income-producing)
- Rent roll (current and historical)
- Property tax statements (last 2 years)
- Insurance quote for the property
- Title commitment / preliminary title report
- Property photos (interior and exterior)
- Property condition report
- Zoning compliance documentation
SBA-Specific Additional Documents
- SBA Form 1919 (Borrower Information Form)
- SBA Form 413 (Personal Financial Statement)
- SBA Form 159 (Fee Disclosure)
- Franchise disclosure document (if applicable)
- Franchise agreement (if applicable)
- CDC referral letter (for 504 loans)
- Job creation / retention documentation
- Equity injection verification (bank statements showing funds)
- Life insurance assignment (typically required for loans over $350K)
For Refinances
- Current loan statement / payoff letter
- Payment history (last 12 months)
- Current note and mortgage documents
- Explanation for refinance purpose
- Use of funds statement (if cash-out)
For Construction / Renovation Loans
- Detailed construction budget
- Architectural plans and drawings
- Contractor bids (minimum 2-3)
- Contractor licenses and insurance
- Construction timeline / Gantt chart
- Building permits (or permit application)
- Proof of contractor experience (past projects)
- Contingency fund documentation (typically 10-15%)
Pro Tip from Fintek Capital: Organize your documents in a digital folder before applying. Label each file clearly (e.g., "2024_TaxReturn_Personal.pdf"). This simple step can save 5-7 days in processing time.
Note: Document requirements vary by loan program, property type, and borrower profile. Your Fintek Capital loan advisor will provide a customized checklist tailored to your specific transaction.
Next Steps
Once you have gathered these documents:
- Review everything for completeness and accuracy
- Contact Fintek Capital at (307) 533-7712
- Submit your application with all supporting documents
- Receive pre-qualification within 24-48 hours