Business Loan Application
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- Ashley Barrett
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1 Business Loan Application (Commercial Mortgage, Term Loan, and Line of Credit Requests) As we begin to learn more about the needs of your business, please complete and sign the following enclosed documents in preparation for our next meeting: Business Loan Application Personal Financial Statement (for each borrower and owner) Authorization to Obtain Consumer Credit Report (for each borrower and owner) Environmental Questionnaire for Commercial Property (if a commercial property will be used for collateral) Please include the following documents along with your completed business loan application: CORPORATE US Income Tax returns for the previous three years (or a year end balance sheet and income statement for the previous three years completed according to generally accepted accounting principles). Current balance sheet and income statement (these should be less than 60 days old and be completed according to generally accepted accounting principles). Legal Documents showing Business Ownership (Articles of Incorporation, Articles of Organization, DBA papers, Partnership Agreement, Operating Agreement, etc.) PERSONAL US Income Tax returns for the previous two years including all schedules (1040, Schedule A, Schedule C, Schedule D, Schedule E and all supporting schedules and information including the K 1 information). Additional information may be required. Please review the following list as well as the attached Miscellaneous Support Documents sheet for additional items which may be needed: When you are ready to submit your loan application or if you have any questions, please call Mark Tremper at or at We look forward to working with you and your business.
2 Miscellaneous Support Documents General: Business Plan Company projections for the next 12 months Aging of Accounts Receivable and Accounts Payable (as of the same date as the most recent balance sheet submitted). Term Loans: Copy of invoice(s) for equipment or vehicle purchases Copy of statements for existing loans (if refinancing or consolidating loans or lines of credit) Existing equipment appraisal if available Unsecured Loans: Verification of liquid assets of borrower and guarantor to verify that parties have at least 50% of the unsecured loan amount in liquid assets. Owner Occupied Real Estate Loans (50% or more of building occupied by owner or related entity): Copy of Purchase Agreement (if for the purchase of a property) Existing appraisal report if available Existing environment reports if available Existing survey Copy of Lease Agreements for tenants if available Investment Real Estate Loans (50% or more occupied by unrelated tenants): Copies of existing lease agreements with tenants Up to date Rent Roll Schedule (lease income, lease expenses, and net cash flow) Copy of Purchase Agreement (if for the purchase of a property) Existing appraisal report if available Existing environmental reports if available Existing survey Construction/Development Loans: Copy of Purchase Agreement (if the company is purchasing the land) Construction contract Construction cost breakdown Site plan of proposed building Lease agreements if leased to an unrelated third party Existing appraisal report if available Existing environmental reports if available Existing survey
3 Downriver Community Federal Credit Union Business Loan Application Member Share Account Number: Current DCFCU Member: Yes No Legal Name of Business ("Borrower"): Doing Business As (if different): Business Address: City: State: Zip: Business Telephone: Fax Number: Federal Tax ID#: Address: Years In Business: Legal Form of Ownership: Sole Proprietor Partnership C-Corporation S-Corporation Limited Liability Corporation Ownership and Management Information (1) Owner Name: Title: Annual Compensation: % Ownership: (2) Owner Name: Title: Annual Compensation: % Ownership: (3) Owner Name: Title: Annual Compensation: % Ownership: (4) Owner Name: Title: Annual Compensation: % Ownership: (5) Owner Name: Title: Annual Compensation: % Ownership: (6) Owner Name: Title: Annual Compensation: % Ownership: For each individual listed above, please provide the following: Personal Financial Statement (less than 60 days old, refer to Personal Financial Statement form) Personal US Income Tax returns for the previous two years including all schedules (1040, Schedule A, Schedule C, Schedule D, Schedule E and all supporting schedules and information including the K1 Statement) Additional Guarantors (1) Name: Address: Telephone (2) Name: Address: Telephone (3) Name: Address: Telephone (4) Name: Address: Telephone For each individual listed above, please provide the following: Personal Financial Statement (less than 60 days old, refer to Personal Financial Statement form) Personal US Income Tax returns for the previous two years including all schedules (1040, Schedule A, Schedule C, Schedule D, Schedule E and all supporting schedules and information including the K1 Statement) Page 1
4 Loan Request Requested Loan Amount: $ Use of Proceeds for Loan Request (please itemize and total the request below) : Land and Building Acquisition $ New Construction/Expansion/Repair Leasehold Improvements Machinery and/or Equipment (Acquisition or Repair) Inventory Purchase Working Capital Acquisition of Existing Business Pay-off Bank Loan Pay-off Other Debt Pay-off SBA Loan Other: Please Specify Less: Amount of Owner's Equity Injection $ Total Loan Requested: $ (1) Financial Institution Loan Type: Term Line of Credit Current Business Debt Rate: Current Balance: Monthly Payment: Collateral: (2) Financial Institution Loan Type: Term Line of Credit Rate: Current Balance: Monthly Payment: Collateral: (3) Financial Institution Loan Type: Term Line of Credit Rate: Current Balance: Monthly Payment: Collateral: (4) Financial Institution Loan Type: Term Line of Credit Rate: Current Balance: Monthly Payment: Collateral: (5) Financial Institution Loan Type: Term Line of Credit Rate: Current Balance: Monthly Payment: Collateral: (6) Financial Institution Loan Type: Term Line of Credit Rate: Current Balance: Monthly Payment: Collateral: Business History (1) Have you ever been involved in any bankruptcies or insolvency proceedings? Yes No (2) Do you or your company have any outstanding judgments or liens? Yes No (3) Are you or your company involved in any pending lawsuits? Yes No (4) Do you or your company have any delinquent loans or trade accounts? Yes * If you answered "yes" for any of these questions, please provide details on a separate sheet. No I certify to the best of my knowledge that the information contained herein is true and correct. X Signature Title Date Page 2
5 Nature of your business: Business Description (If necessary, use separate attachments to answer questions or substitute with a business plan) Type of Products/Services: Customer Profile: Competitors -- How do you differentiate your company / product from your competitors: Major past accomplishments: Future plans for growth / expansion: How will this loan benefit your company: Page 3
6 AUTHORIZATION BY COMPANY PRINCIPAL OR GUARANTOR TO OBTAIN CONSUMER CREDIT REPORT I understand that the information below may be used to obtain a consumer credit report about me. I have read the attached Fair Credit Reporting Act Notice and I authorize Downriver Community Federal Credit Union to obtain such a report in connection with Borrower s application or in accordance with the terms of any loan agreement. Principal Name: Social Security Number: Date of Birth: Residential Street Address: City: State: Zip: Borrower s Name: Individual s Signature Required AUTHORIZATION BY COMPANY PRINCIPAL OR GUARANTOR TO OBTAIN CONSUMER CREDIT REPORT I understand that the information below may be used to obtain a consumer credit report about me. I have read the attached Fair Credit Reporting Act Notice and I authorize Downriver Community Federal Credit Union to obtain such a report in connection with Borrower s application or in accordance with the terms of any loan agreement. Principal Name: Social Security Number: Date of Birth: Residential Street Address: City: State: Zip: Borrower s Name: Individual s Signature Required AUTHORIZATION BY COMPANY PRINCIPAL OR GUARANTOR TO OBTAIN CONSUMER CREDIT REPORT I understand that the information below may be used to obtain a consumer credit report about me. I have read the attached Fair Credit Reporting Act Notice and I authorize Downriver Community Federal Credit Union to obtain such a report in connection with Borrower s application or in accordance with the terms of any loan agreement. Principal Name: Social Security Number: Date of Birth: Residential Street Address: City: State: Zip: Borrower s Name: Individual s Signature Required FAIR CREDIT REPORTING ACT NOTICE DOWNRIVER COMMUNITY FEDERAL CREDIT UNION OBTAINS CONSUMER REPORTS* FROM CONSUMER REPORTING AGENCIES TO EVALUATE LOAN APPLICATIONS, TO DETERMINE ELIGIBILITY FOR ADDITIONAL FINANCIAL PRODUCTS AND SERVICES OFFERED BY DOWNRIVER COMMUNITY FEDERAL CREDIT UNION, AND FOR OTHER LEGALLY PERMISSIBLE PURPOSES. DOWNRIVER COMMUNITY FEDERAL CREDIT UNION MAY SHARE INFORMATION PROVIDED IN ANY CONSUMER REPORT WITH ANY CREDIT UNION PARTICIPATING IN THE INITIAL OR SUBSEQUENT FUNDING OR CONSIDERATION OF FUNDING (EVALUATING CREDIT FOR APPROVAL) OF THIS LOAN. PLEASE NOTE THAT CONSUMER REPORT INFORMATION DOES NOT INCLUDE INFORMATION RELATING SOLELY TO TRANSACTIONS AND EXPERIENCES BETWEEN YOU AND DOWNRIVER COMMUNITY FEDERAL CREDIT UNION, INCLUDING INFORMATION YOU PROVIDE WITH THIS CREDIT REQUEST. *A consumer report is any written, oral, or other communication from a consumer reporting agency which bears on an individual s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or in part for the purpose of serving as a factor in establishing the consumer s eligibility for: (a) credit or insurance to be used primarily for personal, family, or household purposes; (b) employment purposes; or (c) any other purpose authorized under section 604 of the Fair Credit Reporting Act. November 2004
7 Personal Financial Statement Date Applicant Name Address Social Security Number Applicant's Employment Present Employer Position Date of Birth Driver's License Number Home Phone Number Business Phone Number Length of Time at Present Employer Employer's Address Family Information Number of Children/Dependents Ages Do you have a will? Date of Will No Yes Do you have a Trust? Date of Trust No Yes Are you the beneficiary of a Trust? No Yes Name of Personal Respresentative Comments Attach a separate list of assets held in Trust. YOU MAY APPLY FOR CREDIT EXTENSION OR FINANCIAL ACCOMODATION SEPERATELY OR JOINTLY. This is being requested: Seperately Jointly If the requested financial accomodation is requested jointly and does not include a spouse, the Co-Applicant must execute a separate Personal Financial Statement. Co-Applicant Name Address Social Security Number Date of Birth Driver's License Number Home Phone Number Co-Applicant's Employment Present Employer Position Business Phone Number Length of Time at Present Employer Employer's Address Family Information (If different from applicant) Number of Ages Children/Dependents Do you have a will? Date of Will Name of Personal Respresentative No Yes Do you have a Trust? Date of Trust No Yes Attach a separate list of assets held in Trust. Are you the beneficiary of a Trust? Comments No Yes Page 1 of 4
8 Date or Valuations Personal Balance Sheet List all amounts in dollars. Please attach a separate sheet if you need more space. Assets Applicant Co-Applicant Joint Only Cash on Hand and in Banks (Schedule A) $ $ $ Traded and Marketable Securities (Schedule B) Unlisted Securities (Schedule C) Accounts Receivable Real Estate Holdings (Schedule D) Land Contracts or Mortgage Receivable (Schedule E) Loans Receivable Automobiles Other Personal Property Cash Surrender Value of Life Insurance (Schedule F) Book Value of Business Ventures (Schedule G) Other Assets (Itemize) Total Assets Liabilities Land Contracts or Mortgages Payable (Schedule D & E) Automobile Loans Notes Payable to Banks or Other Secured (Schedule H) Notes Payable to Banks or Other Unsecured (Schedule H) Loans on Life Insurance Loans Payable to Others Accounts and Bills Due Unpaid Income Tax Judgements Other Liabilities (Itemize) NET WORTH (Total Assets less Total Liabilities) Total Liabilities Contingent Liabilities (Not Included on Personal Balance Sheet) Check here if none. As Endorser, Co-maker or Guarantor (i.e. Loans, Leases, or Contracts) (Schedule I) As General Partner For Taxes Other Page 2 of 4
9 Supporting Schedules SCHEDULE A - CREDIT UNIONS, BANKS, BROKERAGE, (ETC) WHERE FUNDS ARE ON DEPOSIT Type of Deposit Name of Institution Location Name(s) of Owner(s) (checking, savings, etc.) Amount on Deposit SCHEDULE B - TRADED & MARKETABLE SECURITIES # of Shares or Description Face Value (Bonds) In Name Of Market Value Amount of Loans Against Securities SCHEDULE C - UNLISTED SECURITIES # of Name of Location and % Loans In Name Of Shares Corporation Nature of Business Ownership Against Value SCHEDULE D - REAL ESTATE HOLDINGS (WHOLLY OR PARTIALLY OWNED) % Date Market Monthly Mortgage Address and Type of Property Title in Name of Cost Maturity Ownership Acquired Value Payment Balance SCHEDULE E - LAND CONTRACTS OR MORTGAGE RECEIVABLES Description and Location Owner(s) of Record Amount Sold for Unpaid Balance Mortgages Monthly Payment SCHEDULE F - LIFE INSURANCE CARRIED Name of Insurance Company Owner of Policy Beneficiary Face Amount Policy Loans Cash Surrender Value SCHEDULE G - BUSINESS VENTURES Name & Address of Business Book Value you are a Principal or Partner as of last Year End % Your Title/ Total Assets of Years In Line of Business Ownership Position Business Business SCHEDULE H - NOTES PAYABLE TO BANKS OR OTHER Original Date of Loan/ Unsecured or Secured Current Payment Name & Address of Creditor Purpose of Loan Loan Amt. Maturity Date Collateral Balance Schedule SCHEDULE I - CONTINGENT LIABILITIES Name & Address of Creditor Purpose of Loan Original Date of Loan/ Unsecured or Secured Current Payment Loan Amt. Maturity Date Collateral Balance Schedule Page 3 of 4
10 Personal Cash Flow ANNUAL INCOME FOR THE YEAR ENDED: 20 ANNUAL EXPENDITURES Applicant Co-Applicant Applicant Co-Applicant Employment Income Property Taxes Dividends/Interest Assessments Income Taxes Other Taxes Mortgage Payments Real Estate Income Other Payments: Automobile Charge Cards Insurance Alimony, Child Support Educational or Separate Maintenance Alimony/Maintenance Payments. * Child Support Other Income Living TOTAL INCOME TOTAL EXPENDITURES *Income from alimony, child support, or separate maintenance income need not be revealed if you do not wish the credit union to consider the income in determining your credit worthiness. General Information Are you a defendant or a participant in any litigation? Have you had a judgement entered against you? Have you ever filed for bankruptcy or reorganization? Do you pay child support, alimony or separate maintenance? Have you been audited by the IRS? Do you have any knowledge of any contamination or environmental liability affecting any property in which you have interest? Have you been convicted or pled guilty to a felony? No Yes Explain on a separate sheet No Yes Explain on a separate sheet No Yes Explain on a separate sheet No Yes Monthly Payment $ No Yes Audit completed Tax Year of No Yes Explain on a separate sheet No Yes Explain on a separate sheet The information submitted on this personal financial statement is submitted to Downriver Community Federal Credit Union for the purpose of procuring, establishing, and/or maintaining credit. The undersigned authorizes Downriver Community Federal Credit Union to make all inquiries deemed necessary to verify the accuracy of the statements made herein, and to determine my/ou creditworthinesss. The undersigned certifies that the information contained in this financial statement is true and correct and that you may consider this statement as continuing to be true and correct until a written notice of a change is given this institution by the undersigned. The undersigned acknowledges that information provided within this statement will be used in deciding to grant or continue credit. Applicant Signature Co-Applicant Signature Date Signed Date Signed The Federal Equal Opportunity Act prohibits creditors from discriminating against credit Applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the Applicant has the capacity to enter into a binding contract); or because all or part of the Applicant's income derives from public assistance program; or because the Applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is noted below: NATIONAL CREDIT UNION ADMINISTRATION CENTRAL OFFICE 1775 DUKE STREET ALEXANDRIA, VA Page 4 of 4
11 Downriver Community Federal Credit Union Environmental Questionnaire COMMERCIAL PROPERTY Downriver Community Federal Credit Union has developed environmental procedures for all commercial loans. This questi has been prepared to solicit information to assist in evaluating the impact, if any, of environmental matters or concern(s). It i designed for the sole benefit of Downriver Community Federal Credit Union. This environmental questionnaire and the environmental procedures established by Downriver Community Federal Credit Union shall not relieve you from taking any necessary to comply with applicable environmental laws or your own due diligence. Please answer or have the person responsible for your environmental matters answer the following questions completely. If additional space is needed to answer any of the following questions, please attach an addendum to this questionnaire with the additional information. 1. Loan Applicant: 2. Property owner: Dated Purchased: 3. Property address: (Hereafter referenced as the property ) 4. Site manager and/or contact: 5. Provide a brief description of the property use and nature of current operation(s) and list lessees/operators, if any. 6. To the best of your knowledge, provide a brief history of the use(s) of the property as far back as known. 7. Describe the improvements on the property, including but not limited to the following information: Building(s) Identification: Age or Year built: Square Footage: Number of Floors: Elevator: Basement: Other improvements:
12 Property Issues 8. Do any of the following apply to the property: Yes No A. Well(s) for any purpose, either active or abandon? B. Water supply from other than public system? C. Septic and/or waste water treatment system on-site? D. Drywell(s) located on-site? E. Storm water discharge to other than public sewer? F. Oil water separator? G. Wetlands, surface water, pits, ponds, or lagoons? H. Pipelines, oil and gas wells, electrical transmission lines? I. Fill dirt and/or soil? (If yes, indicate source below) J. Debris and/or dumping? K. Paint booths, smoke stacks, or other large vents? L. Suspect or known Asbestos Containing Materials (ACMs) present? M. Suspect or known lead-based paint? N. Fluorescence light bulbs? O. Below grade space? (if answered yes, describe its use below) P. State below the name of firm(s) used for waste collection and disposal. Comments: Hazardous materials, chemicals, and/or petroleum products 9. Do any of the following currently and/or previously apply to the property: Yes No A. Underground Storage Tanks? (if answered yes, attached state UST registration) B. Aboveground Storage Tanks? (if answered yes, describe type of secondary containment) C. Hazardous materials, chemicals, petroleum product(s), paints, and/or unidentified substances? D. Storage drums 55-gallons or larger? (if yes, describe type of secondary containment) E. Pesticides, paints, and/or chemicals in containers totaling over 50 gallons? F. Discarded batteries? G. Leaks/spills/stains from drums/containers? H Drains and/or sumps? (If yes, state below where the drains discharge to) I. Unusual/noxious orders? J. Suspect PCBs containing electric equipment and/or hydraulic fluids? K. Radioactive material(s)? L. Commercial printing, photo developing laboratory? M. Dry cleaner with on- site cleaning? N. Gasoline station and/or vehicle repair? Comments:
13 Neighboring Properties 10. State current use of adjoining properties: 11. Past uses in the surrounding area: 12. Do any of the following apply to the any adjacent property? Yes No A. Private wells and/or septic systems? B. Wetlands? C. Gasoline station and/or vehicle repair? D. Commercial printing, dry cleaners, photo developing laboratory? E. Junkyard and/or landfill? F. Chemical and/or fuel storage and/or Under or above ground storage tanks? G. Evidence of hazardous materials, chemicals, or petroleum products? H. Current or previous environmental investigation (if answered yes, describe below) Comments: Regulatory and Compliance Information 13. Environmentally related action(s) taken on the property: Yes No A. Chemical safety contingency plan and/or Risk Management Plan? B. Emergency & Hazardous Chemical Inventory and/or filed a toxic Chemical Release Form pursuant to Federal Emergency Planning and Community Right to Know Act of C. Maintain Material Safety Date Sheets (MSDS)? D. Prepared a Spill Prevention Control and Countermeasure plan? E. Environmental Operation and Management (O&M) plan(s) including but not limited to, asbestos containing materials and/or lead-based paint? F. Compliance with the Lead-Based Paint Hazardous Reduction Act of 1992? (Residential only) G. Any past/present Environmental Survey s, reports, or investigation(s) (If yes, attaché copies)
14 14. Current/previous business operation(s) of ANY PROPERTY owned, operated or occupied by the borrower Yes No A. Violations, liens, pending/threatened governmental lawsuits, notification and/or administrative proceedings for environmental conditions? B. Federal, state or local investigation regarding any environmental law, rule or regulations? C. Complaints received from a(n) individual, group and/or regulatory authority relating to odor, smoke, water, and/or environmental concern(s)? D. Operations including use, transport, storage, disposal and/or generation of hazardous waste and/or petroleum products? (if answered yes, attach a copy of the most recently signed and dated disposal manifest for hazardous, petroleum and/or other regulated wastes) E. Any property owned, operated and/or occupied known or suspected to be contaminated? (If answered yes, attach copies of any 7a Compliance (aka Due Care ) actions required) F. Environmental assessment(s) describing concern(s)? G. Major annual expenditure of $25,000 or more forecasted related to environmental issues? H. Are any environmental licenses and/or permits required, including, but not limited to the following: an Air quality and/or discharge permit, a Hazardous waste generator license, and/or a waste water discharge permit?(if yes, attach copies including generator number) Provide details to any part answered yes in question(s) 13 and/or 14: Signatures Owner(s)/Borrower(s): (Cross out not applicable) Print Name: Title: Date:
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