Business loan application and document checklist
Thanks for your interest in partnering with Gateway Bank on your business loan or line of credit. This checklist includes the application and documentation you will need to submit.
4 ways to apply
Choose whichever method works best for you.
Online (fastest)
Apply through our secure online portal — the fastest and most secure way.
Encrypted email
Contact us, and we’ll send you an encrypted email link for your documents.
Tip: We understand this is a lot to gather. Please take your time, and only submit once all documents are ready. The faster you provide all information needed, the faster we can move forward. Once we receive your complete package, we will provide an indication of the interest rate and terms you can expect to receive. Your package will be submitted for approval within 1-10 days in most cases.
Required documentation
The documents required along with your application depends on the type of funding you’re requesting and the way you apply. Pick your method below.
Gather digital copies of the following supporting documentation. Then, use Gateway Bank’s secure portal to apply online for a loan or line of credit.
Disclosures and terms of service
Please review the following disclosures before sharing your information:
Business Documents
Financial and corporate records for your business entity.
- Articles of incorporation/organization, bylaws/operating agreement, and SS4 form (Federal TIN letter)
-
Two forms of ID for all individuals
-
2 months of bank statements (including account analysis if applicable)
-
2 months of merchant card processing statements
-
3 years of year-end business federal tax returns with all schedules and K-1s
-
3 years of year-end accrual financial statements (balance sheet + P&L)
-
Year-to-date accrual financial statement (balance sheet + P&L)
Personal Documents
Required for all guarantors, owners, and signers.
- Joint Intent
-
Personal Financial Statement
-
3 years of personal federal tax returns, signed and dated, with all schedules and K-1s
-
Unless assets/income are sole and separate, both spouses must initial and sign
Additional documentation
Investor property financing:
- Current rent roll/tenant schedule
- Copy of lease agreement(s)
- Most recent 3 years’ income statement of the subject property
Personal trusts:
- Certificate of Trust or copy of Trust Agreement
- If the Trust files a separate return: 3 years of federal tax returns with schedules and K-1s
- Current Trust financial statement
SBA loans:
SBA loans require several unique forms and documents. Please contact us at 480-358-1000 for details.
Constructions loans:
- Copy of plans, specs, and detailed cost estimate
- Information on the development/subdivision
- Information on the lot take-down process (if not already owned)
- Current work-in-progress report
Download and complete these forms, then gather the supporting documents listed below. Contact us to request a secure email link, deliver documents to the branch, or schedule a pickup.
Disclosures and terms of service
Please review the following disclosures before sharing your information:
Business documents
Financial and corporate records for your business entity:
- Articles of incorporation/organization, bylaws/operating agreement, and SS4 form (Federal TIN letter)
-
Two forms of ID for all individuals
-
2 months of bank statements (including account analysis if applicable)
-
2 months of merchant card processing statements
-
3 years of year-end business federal tax returns with all schedules and K-1s
-
3 years of year-end accrual financial statements (balance sheet + P&L)
-
Year-to-date accrual financial statement (balance sheet + P&L)
Personal documents
Required for all guarantors, owners, and signers:
- Joint Intent
-
Personal Financial Statement
-
3 years of personal federal tax returns, signed and dated, with all schedules and K-1s
-
Note: Unless assets/income are sole and separate, both spouses must initial and sign.
Additional documentation
Investor property financing:
- Current rent roll/tenant schedule
- Copy of lease agreement(s)
- Most recent 3 years’ income statement of the subject property
Personal trusts:
- Certificate of Trust or copy of Trust Agreement
- If the Trust files a separate return: 3 years of federal tax returns with schedules and K-1s
- Current Trust financial statement
SBA loans:
SBA loans require several unique forms and documents. Please contact us at 480-358-1000 for details.
Constructions loans:
- Copy of plans, specs, and detailed cost estimate
- Information on the development/subdivision
- Information on the lot take-down process (if not already owned)
- Current work-in-progress report