Provide the actual borrower, security, repayment obligations and use of funds, including every collateral agreement.
Do not omit enterprise collateral
Personal-asset-secured or unsecured loans may be relevant, while loans secured by the enterprise do not count as qualifying capital. Disclose mixed arrangements for assessment rather than selecting only favourable pages.
The signed purchase agreement with its asset and contract schedules, the seller’s financial statements and payroll for the last two or three years, and evidence of any debt attached to the equipment. Include the inventory-count method, excluded items, seller credit, escrow statement, amended agreement and invoices for replacement assets. Create a funds trail from source through each account to the contractual commitment, with purchase documents, escrow terms and evidence of the business acquired beside it. Signed purchase documents, lease terms, payroll assumptions and opening invoices establish the denominator; bank confirmations and irrevocable payment obligations show what is exposed to loss. Where a shareholder loan is being repaid, keep the original loan agreement and the ledger showing the balance, since a repayment without an underlying obligation on record looks like a distribution characterised conveniently after the fact.