Provide the actual current loan and security terms, explaining amendments and earlier fund transfers where relevant.
Disclose every collateral component
Enterprise-secured borrowing does not count as qualifying capital. Personal-asset-secured or unsecured loans may be considered, but mixed arrangements need a complete factual review.
Request the tax returns and year-end statements for the last three years, the current accounts receivable and payable, payroll registers with employee names and roles, the customer list with contract copies and the equipment list with titles, serial numbers and financing statements. Records showing the funds left the investor's control on terms that expose them to loss: escrow instructions, closing statements, equipment invoices, lease payments and bank transfers that reconcile end to end. Bring ownership records, funding history, the purchase or formation agreement, and the provisions governing any loan or escrow arrangement, along with operational evidence explaining what the enterprise will actually do. An itemised allocation of the purchase price, every remaining condition to closing, the exact terms on which escrowed money is released, and a complete list of the assets and staff being transferred. For employment savings, include records that show earnings and accumulation; for a sale, connect ownership, sale agreement, proceeds, and deposit; for a gift, identify the donor’s lawful source and the transfer terms; for a loan, explain collateral and repayment responsibility.