Business Loan Document Checklist
Every document you need for a $100K+ commercial loan
Walking into a lender without the right documents adds weeks to your approval timeline — or gets you declined before underwriting even starts. This interactive checklist covers everything a commercial lender will require: business financials, personal financials, entity documents, and supporting schedules. Check items off as you gather them.
- ✓27 items across 5 categories
- ✓Check off items as you gather them — progress tracked live
- ✓Print-ready when you're done
Lender-Ready Document Checklist
For business loan applications of $100,000 or more — 2026
Business Financial Documents
Personal Financial Documents
Business & Legal Documents
Loan-Specific Documents
Owner / Principal Documents
Requirements vary by lender and loan type. SBA loans and larger requests may require additional documentation. This checklist covers standard requirements for most commercial term loans.
Frequently Asked Questions
What financial statements do I need for a business loan?
Most lenders require 2–3 years of business tax returns (1120, 1120S, or 1065 depending on entity type), plus the most recent year-to-date P&L and balance sheet. If your most recent return is more than 6 months old, you'll also need current interim financials.
Do I need personal tax returns for a business loan?
Yes — almost always. Guarantors (anyone with 20%+ ownership) will need to provide 2–3 years of personal tax returns and a personal financial statement (assets and liabilities).
What is a debt schedule?
A debt schedule is a list of all existing business debts: lender name, original balance, current balance, monthly payment, maturity date, and collateral. Lenders use it to calculate your existing debt service load. Use our Debt Schedule Template to build yours.