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SBA Capital Required Documents

With the exception of Government backed loans, none of the funding programs that SBA Capital offers require extensive documentation. The vast majority of the documents should be on hand or easy to obtain.

To get started with SBA Capital, we only need a completed application to be submitted. Our underwriters will do an initial review and request the proper documents for initial approval.


There are 2 steps to the funding process:


Initial Approval:

  • Completed Application
  • Most recent 3-6 months of business bank statements
  • Most recent 3-6 months of credit card processing statements (if applicable)
  • Proof of business ownership (K-1, Operating Agreement, or Articles of Incorporation)


The majority of applications will only require 3 months of bank and processing statements (if applicable). However, there are exceptions and instances where additional statements are required. Seasonal businesses that have large fluctuations in sales volume can require as many as 12 months of statements.

An SBA Capital underwriter will request the necessary documents after the initial review of the application is complete. This typically takes less than 24 from submission.


Final Approval:

  • Copy of Drivers' Licenses for all applicants
  • Voided check from business bank account
  • Term and signature page of business lease (if applicable)
  • Signed funding contract
  • Payoff letter for existing business cash advances (if applicable)

If a business has any open tax liens then a copy of the payment plan and proof that the plan is current will be required.

Funding requests over $75,000 may require business tax returns and/or YTD profit loss (unaudited).

If you have any questions in regards to the required documentation, please contact us directly any time. We happy to help.


Toll Free: 1-800-563-4780

Email: info@sbacinc.com



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