The core set
Most business funding applications ask for the same core documents: 3–6 months of business bank statements, the most recent business tax return, a profit-and-loss statement, your entity formation documents (Articles of Organization or Incorporation) and your EIN confirmation letter (IRS CP 575).
Larger requests — commercial vehicle financing, mortgage loans, bigger lines of credit — add more: two years of returns, balance sheets, debt schedules and sometimes a business plan.
Why applications stall
The most common delay isn't a decline — it's a document chase. The lender asks for a statement, the owner finds it three days later, the lender asks for one more page, and the file goes stale. Every round of back-and-forth costs time and sometimes the offer itself.
Build a vault once, reuse it everywhere
The fix is to assemble the full set once, keep it current, and store it somewhere secure. FundAll clients keep these documents in their private portal vault — visible only to them and their advisor — so when a funding opportunity is ready, the file is ready too.