Document Rules
Pick a product, then mark each document Required, Optional, or off. This drives both what the wizard collects and what gets sent to lenders.
MCA
1 required · 2 optional
Universal — collected for every application
Driver's License / State ID
Front of your government-issued photo ID.
Other / Additional Documents
Upload any additional documents relevant to your application.
Documents for MCA
Second Owner / Co-Applicant Driver's License
Front of the second owner's / co-applicant's government-issued photo ID.
SBA Loan Application (Form 1919)
Completed SBA Form 1919.
SBA Affiliation Matrix
SBA affiliation analysis worksheet.
Rehab Budget / Scope of Work
Detailed renovation budget and scope of work.
Construction Plans & Specifications
Architectural plans, specs, and permits.
Construction Budget Breakdown
Line-item budget: hard costs, soft costs, contingency.
Equipment Quote / Invoice
Quote or invoice from the equipment vendor.
Vehicle Title & Registration
Title and registration for the financed vehicle.
Invoice / Receivables Documentation
Outstanding invoices and receivables to be financed.
401k / Retirement Account Statement
Most recent retirement account statement.
Cash Home Offer Documentation
Deed, tax records, and lien information.
Property Photos (15)
Upload 15 photos of the property — inside and outside — so we can assess condition and value.
Copy of the Deed
Upload a copy of the property deed showing current ownership.
MCA Payoff Statements
Current payoff statements from existing MCA lenders.
ROBS Plan Document
401(k) ROBS plan adoption agreement / IRS determination letter.
Current Business License
Upload your current business license (if applicable).
Business Tax Returns (Last 3 Years)
Upload your most recent business tax returns (3 years mandatory). Or most recent extension.
Recent Business Tax Return
Your most recent business tax return. Or most recent extension.
YTD Profit & Loss Statement
Year-to-date P&L statement.
Balance Sheet
Most recent balance sheet.
Personal Financial Statement
Standard PFS (SBA Form 413 for SBA).
Personal Tax Returns
Upload your most recent personal tax return. Or most recent extension.
Debt Schedule
List of all existing business debts with lender names, balances, monthly payments.
AR Aging Report
Accounts receivable aging report.
Inventory Report
Current inventory valuation report (SKU-level or aggregate).
Equipment Appraisal
Independent appraisal or valuation of equipment used as ABL collateral.
Collateral Documentation
Appraisals, titles, bills of sale for pledged assets.
Schedule of Real Estate Owned (SREO)
List of all real estate owned by the applicant.
Property Appraisal / Valuation
Recent appraisal or valuation of the subject property.
Most Recent Mortgage Statement
Upload your most recent mortgage statement showing current balance, rate, and payment.
Rent Roll
Current rent roll for income-producing properties.
Lease Agreement
Current lease for subject property (if tenant-occupied).
Proof of Insurance
Current insurance policy / binder.
Utility Bill
Most recent utility bill in your name.
Voided Personal Check
Voided PERSONAL check in your name (where the money will be deposited).
Paystubs
Two most recent paystubs.
Last Year's W-2
Last year's W-2 form.
Personal Bank Statements
Last 4 months of personal bank statements showing your payroll deposits (all pages).
Business Plan
Current business plan document.
Financial Projections
2-3 year revenue/expense projections.
Merchant Processing Statements
Last 4 months of merchant processing statements.
Purchase Contract
Signed purchase contract / executed PSA.
Contractor License & Insurance
Contractor's license and insurance certificates.
Voided Business Check
A voided check showing your business account details.
Bank statements are collected separately via Plaid and are always sent with submissions. Driver's licenses and voided checks are collected for verification but never sent to lenders.