The Documents You Need to Get Funded

A checklist by product. Having these ready is the difference between funding in 24 hours and funding in three weeks.

Funding speed is almost entirely a documents problem. The programs that advertise same-day funding mean same day from a complete file. Here is what complete means, by product.

Everything, always

• Basic application: legal entity name, EIN, entity type, address, ownership.
• Three months of business bank statements — all pages, all accounts, as PDFs downloaded from your bank. Not screenshots.
• Government-issued photo ID for each owner above the ownership threshold.
• A voided check or bank letter for funding instructions.

For a large share of fast approvals, that is the entire file.

Add for a term loan or line of credit

• Most recent business tax return, and personal returns if the entity is young.
• Year-to-date profit and loss and balance sheet.
• A short debt schedule: who you owe, the balance, and the payment.

Add for SBA (the heaviest file)

• Three years of business and personal tax returns.
• Personal financial statement for every guarantor.
• Interim financials, debt schedule, and a use-of-proceeds breakdown.
• For acquisitions: the purchase agreement plus the target's financials.
• For real estate: purchase contract, and be ready for appraisal and environmental reports.

Start collecting this the day you decide to pursue SBA, not the day the lender asks.

Add for equipment financing

• The vendor quote or invoice — make, model, serial where available, and the total including delivery and installation.
• Vendor contact details, since the lender usually pays them directly.

Add for invoice factoring or A/R

• Aged accounts receivable report and aged payables.
• Sample invoices and your customer list, since your customers' credit is what gets underwritten.
• Any existing lien or UCC filings against receivables.

Add for real estate and fix & flip

• Purchase contract, rent roll and operating statements for income property.
• Scope of work plus contractor bid, and a defensible after-repair value for flips.
• A schedule of your prior projects — at least three properties owned, bought or sold in the last 36 months is the published experience requirement.

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer. Reviewed and maintained by the Goldspur Capital funding desk. This is general information about commercial finance products, not financial, legal or tax advice for your specific situation.