Lender Readiness Checklist
An educational tool to help you understand common documentation categories that lenders typically review.
Educational Tool Only: This checklist is for educational purposes only and does not determine financing eligibility. Actual lender requirements vary significantly by institution, product type, and business profile. This tool does not constitute financial advice or a recommendation of any kind.
Common Documentation Categories
Track your document preparation progress. Click any item to learn more about that category.
Financial Statements
Recent balance sheets, income statements, and cash flow statements
Tax Returns
Business and personal tax returns
Accounts Receivable Aging
Detailed aging report of outstanding customer invoices
Accounts Payable Aging
Report of outstanding vendor obligations
Inventory Reports
Detailed listing of inventory by SKU, location, and aging
Business Plan & Projections
Forward-looking financial projections and operational plans
Legal & Ownership Documents
Entity formation documents and ownership structure
Banking Information
Recent bank statements and banking relationships
Note: This checklist represents common documentation categories and is not exhaustive. Actual requirements vary by lender, financing type, and business circumstances. Some lenders may require additional documentation not listed here, while others may not require all categories shown.