Executive Suite ToolsSYSTEM UPDATED: MARCH 2026

Interactive Document Checklist for Funding

Seamlessly audit, check off, and track required files for high-tier SBA, commercial debt-restructuring, and private equity loan packaging. Keep clients compliant, analyze deal-breaker criteria instantly, and generate outreach templates.

Checklist Profile Sync Console

Select an active consulting file to auto-populate compliance parameters and checklists.

PRESETS:

Guarantor Name

Company Entity

Assigned Executive / Advisor

Checklist ProgressALL FILES

0of 32 collected

COMPLETION RATE0%

Underwriter Hard-StopsCRITICAL

0of 22 secured

CRITICAL VERIFICATION RATE0%

Pre-Qual ProbabilityEXCELLENT

100/ 100 index

FUNDS PROBABILITY SHIELD100%

NFCU BridgeELITE RELATIONS

Navy Federal Advantage

Strong consumer banking relationship with NFCU is a premium path to low-rate commercial term approvals. Include NFCU in final applications.

Browse NFCU Assets

Underwriter Screening & Pre-Flight Deal-Breakers

Qualify deal-breakers instantly before submitting formal files. SBA guidelines strictly monitor these parameters.

Operating DurationGUIDELINE: 2+ YRS

Annual RevenueGUIDELINE: $50K+

U.S. Citizen?HARD STOP (2026)

Bankruptcy (7 yrs)GUIDELINE: NO

Liens or Judgments?GUIDELINE: NO

Current on All Debts?GUIDELINE: YES

Recent NSFs / OverdraftsGUIDELINE: NO

Criminal History?GUIDELINE: DISCLOSE

RESET:

SEC 1CRITICAL

Business License

Current valid state or municipal business license (not expired)

TIP: Local/city tax receipts also work.

SEC 1CRITICAL

Articles of Incorporation/Organization

Certified formation filings for LLC, Corp, or Partnership

TIP: Must show Secretary of State stamp.

SEC 1CRITICAL

EIN IRS Confirmation Letter

IRS CP 575 or official EIN assignment document

TIP: Cannot accept handwritten W-9 forms instead.

SEC 1

DBA/Fictitious Name Registration

Assumed name certificate filed with county/state (if applicable)

SEC 1CRITICAL

Business Formation Agreements

Executed LLC Operating Agreement or Corporate Bylaws

TIP: Required to prove ownership percentage of signatories.

SEC 1CRITICAL

Business Bank Statements — LAST 3-6 MONTHS

All accounts, all pages including blank ending summary pages

TIP: Must show business name, transaction streams & ending balances.

SEC 1CRITICAL

Business Tax Returns — LAST 2 YEARS

Complete federal business returns with all schedules (1120/1120-S/1065/Sched C)

TIP: Must be fully signed or include IRS electronic e-file receipt.

SEC 1CRITICAL

Profit & Loss Statement (P&L) — YTD

Year-to-date income statement if current year is past Q1

TIP: Must cover up to the most recent completed month.

SEC 1CRITICAL

Balance Sheet — Current YTD

Recent balance sheet reflecting assets, liabilities, and equity

TIP: Total assets must equal total liabilities + equity.

SEC 1

Accounts Receivable Aging Report

Detail listing unpaid client invoices and schedules

TIP: Critical for factoring or working capital lines.

SEC 1

Accounts Payable Report

Detail listing outstanding vendor balances and schedules

TIP: Demonstrates outgoing commercial cash obligations.

SEC 1

Business Credit Reports

Dun & Bradstreet (PAYDEX), Experian Business, or Equifax Business

TIP: We pull these automatically to verify active trade lines.

SEC 2CRITICAL

Government-Issued Photo ID

Color copy of current valid Driver License or Passport (all owners with 20%+)

TIP: SBA strictly bars Green Cards/LPR holders as of March 1, 2026.

SEC 2CRITICAL

Social Security Verification

SSN Card copy or verified official SSN declaration document

TIP: Required for background validation check.

SEC 2CRITICAL

Personal Tax Returns — LAST 2 YEARS

Complete Federal Form 1040 with all schedules (Sched A, C, E, etc.)

TIP: Include K-1 statements if receiving dividends from entity.

SEC 2CRITICAL

Personal Bank Statements — LAST 3 MONTHS

Complete statements for checking, savings, and investment funds

TIP: Shows personal liquidity to support debt service coverage.

SEC 2CRITICAL

Personal Credit Report (Tri-Merge)

Comprehensive personal credit report (650+ FICO target)

TIP: Annualcreditreport.com downloads are accepted for initial audit.

SEC 2CRITICAL

SBA Form 413 — Personal Financial Statement

Exhaustive SBA-format declaration of personal assets and liabilities

TIP: Ensure cash amounts match personal bank statements exactly.

SEC 2

Recent Mortgage Statement

Current statement showing mortgage balance and repayment terms

SEC 2

Recent Auto Loan Statements

Statements confirming monthly vehicle debt payouts

SEC 2

Retirement Account Statements

Latest quarterly statement for 401(k), IRA, or mutual holdings

SEC 3CRITICAL

Written Business Plan / Executive Summary

2 to 5 page document outlining operations, history, and use of proceeds

TIP: Clearly state how the loan will scale your bottom line.

SEC 3CRITICAL

Use of Funds Budget Breakdown

Detailed line-item allocation budget (e.g. Equipment $50k, Capital $30k)

TIP: Do not use generic estimates like Misc or Other.

SEC 3

Equipment Invoice/Quotes with Specs

Formal manufacturer bid with seller contact metrics

SEC 3

Real Estate Purchase Agreement / Appraisal

Signed sales contract and Phase I environmental report (if available)

SEC 3

Debt Payoff Statements & Quotes

Official lender payoffs showing current principal and daily per-diem

SEC 3

Supplier Invoices or Sales Forecasts

Quotes from direct material providers to justify inventory expansions

SEC 4CRITICAL

SBA Form 2203 / Business Debt Schedule

Complete active ledger of all existing commercial liabilities

TIP: Must list lender name, original loan amount, balance, and rate.

SEC 4

Organizational Chart

Visual mapping of directors, key personnel, and equity splits

TIP: Required if multiple entity layers or subsidiaries exist.

SEC 4CRITICAL

Key Management Resumes

Professional curriculum vitae for primary owner and chief operating staff

TIP: Demonstrates operational expertise to federal underwriters.

SEC 4

Business Insurance Certificates

General liability, workers comp, and commercial property policies

TIP: Must name lender as an additional insured post-approval.

SEC 4

Commercial Lease Agreement

Executed lease contract confirming facility parameters

TIP: Lease term must match or exceed the amortized loan duration.

SEC 4

Active Contracts / Signed Purchase Orders

Demonstrated future revenue streams backing your debt capacity

TIP: Invaluable for secure contract-financing products.

SEC 4

Major Customer List

Listing of core active clients and revenue contributions

TIP: Proves entity stability and contract retention.

SEC 4

Business Facility & Operations Photos

High-resolution snapshots of your primary physical operating base

TIP: Assists remote underwriting agents with physical location verification.

SEC 5CRITICAL

SBA Form 1919 — Borrower Information Form

Core federal borrower profile required for all SBA applications

TIP: Double-check sections answering criminal or affiliate queries.

SEC 5

SBA Form 912 — Personal History Statement

Detailed criminal and background disclosure questionnaire

TIP: Required if any background queries on Form 1919 are marked yes.

SEC 5CRITICAL

IRS Form 4506-C (Business) & 4506-T (Personal)

Signed authorization allows lender to request official tax transcripts

TIP: Taxpayer name and address must match returns verbatim.

SEC 5CRITICAL

Lender Credit Pull Authorization

Signed consent allowing commercial and consumer credit audits

TIP: Authorized pulls are protected under FCRA standards.

SEC 5CRITICAL

Voided Corporate Business Check

Original check copy marked VOID to confirm loan disbursement wiring

TIP: Must be tied to the primary business operating bank account.

Dynamic Outreach Draft

AUTO-UPDATED

This template dynamically compiles all items marked as Pending, ensuring you send your client exactly what they are missing.

Subject: Outstanding Documents Required for RJ Business Solutions Funding Application

Hi Rick Jefferson,

Thank you for trusting us to assist with your commercial capital and business funding requirements! 

To guarantee that we secure the highest approval amounts with the lowest possible interest rates, we need to finalize the outstanding compliance and document files. Our underwriters require the following pending documents to begin processing your file:

SECTION 1: BUSINESS DOCUMENTATION
  [ ] Business License - Current valid state or municipal business license (not expired)
  [ ] Articles of Incorporation/Organization - Certified formation filings for LLC, Corp, or Partnership
  [ ] EIN IRS Confirmation Letter - IRS CP 575 or official EIN assignment document
  [ ] Business Formation Agreements - Executed LLC Operating Agreement or Corporate Bylaws
  [ ] Business Bank Statements — LAST 3-6 MONTHS - All accounts, all pages including blank ending summary pages
  [ ] Business Tax Returns — LAST 2 YEARS - Complete federal business returns with all schedules (1120/1120-S/1065/Sched C)
  [ ] Profit & Loss Statement (P&L) — YTD - Year-to-date income statement if current year is past Q1
  [ ] Balance Sheet — Current YTD - Recent balance sheet reflecting assets, liabilities, and equity
  [ ] Accounts Receivable Aging Report - Detail listing unpaid client invoices and schedules
  [ ] Accounts Payable Report - Detail listing outstanding vendor balances and schedules
  [ ] Business Credit Reports - Dun & Bradstreet (PAYDEX), Experian Business, or Equifax Business

SECTION 2: PERSONAL DOCUMENTATION (All 20%+ Owners)
  [ ] Government-Issued Photo ID - Color copy of current valid Driver License or Passport (all owners with 20%+)
  [ ] Social Security Verification - SSN Card copy or verified official SSN declaration document
  [ ] Personal Tax Returns — LAST 2 YEARS - Complete Federal Form 1040 with all schedules (Sched A, C, E, etc.)
  [ ] Personal Bank Statements — LAST 3 MONTHS - Complete statements for checking, savings, and investment funds
  [ ] Personal Credit Report (Tri-Merge) - Comprehensive personal credit report (650+ FICO target)
  [ ] SBA Form 413 — Personal Financial Statement - Exhaustive SBA-format declaration of personal assets and liabilities

SECTION 3: LOAN-SPECIFIC DOCUMENTATION
  [ ] Written Business Plan / Executive Summary - 2 to 5 page document outlining operations, history, and use of proceeds
  [ ] Use of Funds Budget Breakdown - Detailed line-item allocation budget (e.g. Equipment $50k, Capital $30k)

SECTION 4: OPERATIONAL DOCUMENTATION
  [ ] SBA Form 2203 / Business Debt Schedule - Complete active ledger of all existing commercial liabilities
  [ ] Organizational Chart - Visual mapping of directors, key personnel, and equity splits
  [ ] Key Management Resumes - Professional curriculum vitae for primary owner and chief operating staff
  [ ] Business Insurance Certificates - General liability, workers comp, and commercial property policies
  [ ] Commercial Lease Agreement - Executed lease contract confirming facility parameters
  [ ] Active Contracts / Signed Purchase Orders - Demonstrated future revenue streams backing your debt capacity
  [ ] Major Customer List - Listing of core active clients and revenue contributions
  [ ] Business Facility & Operations Photos - High-resolution snapshots of your primary physical operating base

SECTION 5: COMPLIANCE & AUTHORIZATION
  [ ] SBA Form 1919 — Borrower Information Form - Core federal borrower profile required for all SBA applications
  [ ] SBA Form 912 — Personal History Statement - Detailed criminal and background disclosure questionnaire
  [ ] IRS Form 4506-C (Business) & 4506-T (Personal) - Signed authorization allows lender to request official tax transcripts
  [ ] Lender Credit Pull Authorization - Signed consent allowing commercial and consumer credit audits
  [ ] Voided Corporate Business Check - Original check copy marked VOID to confirm loan disbursement wiring

Important Notes:
- All bank statements must be complete (including blank ending pages, no missing pages).
- Tax returns must include ALL federal schedules (including Schedule K-1s or Schedule C where applicable).
- IDs must be high-resolution color copies and cannot be expired.
- Note: As of March 1, 2026, U.S. Citizenship is strictly mandatory for all SBA programs.

Please reply to this email with these files attached, or upload them directly to your secure Bureau Baddies portal folder. 

Once received, we will compile your comprehensive underwriting analysis and present your pre-qualified lender matches within 2-3 business days.

Best regards,
Rick Jefferson
RJ Business Solutions

Underwriter Golden Rules

•Complete PDF Statements: Underwriters strictly require all bank pages. Web screenshots are rejected 100% of the time.
•Full Tax Return Schedules: Missing K-1s or Form 8825 details on business returns generates severe packaging delays.
•Signature Verification: Ensure IRS Form 4506-C matches the format of filing returns verbatim.
•FICO starting target: 650+ is excellent. For lower tier applicants, prioritize alternative trade line builds first.