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Items Needed when Requesting More than
One Million Dollars in Capital.


Whether you are raising equity capital or applying for a loan, the underwriters will require a significant amount of documentation and work. Our checklist below will help you stay organized and give you the tools you need to perform this task. Just click the dark-blue hyperlinks to review many of the tools online. We have been using these tools for many years with great success!







PERSONAL FINANCIAL STATEMENT (PFS):

The PFS will be required for every major shareholder of the business venture. You will basically list all your personal assets and liabilities. Banks will often accept your personal estimate for the value of real estate and large assets, as long as your assessment is reasonable and your calculations are documented.

Our PFS includes ideas and procedures for appraising a business using rule-of-thumb valuation methods. If they request a professional valuation, you should ask them to pay for it or give you some concession in exchange for the expense. Professional business valuations can cost $20,000 or more, regardless of the size of the business.



PROJECTED FINANCIAL STATEMENTS:

We provide the most comprehensive, sophisticated and user-friendly template available. This Financial Modeling Software will save you thousands of dollars, and cut your preparation time by at least 50%!

In most cases, the bank wants to see 3 years of historical financial statements, and 1 to 3 years of projections. You should include an explanation of how you came up with the numbers used in the projection.
Our financial modeling tool provides all that and more! It works perfectly as a business plan for small business loans. You need only write a one page narrative about your company and insert it behind the table of contents! For larger loans; just integrate this package with the Business Planning Narrative below.
We have used these tools for many years to create business plans that were sold to customers for as much as $20,000.



A DETAILED BUSINESS PLAN NARRATIVE:

If you are looking for $1,000,000 or more, you will be asked to include a detailed business plan with your projected financial statements. VCs (also Investment bankers, angel investors, etc.) almost always insist on a detailed business plan.

Our narrative is designed to integrate with the Financial Modeling tool above, but you can use another set of projected financial statements with it if you wish.

If you are not asked for a detailed narrative, you should not include it (in my opinion). However; every new business should go thru the steps of preparing a detailed business plan. You will learn things about your business, your industry and yourself that you would never have learned otherwise. Preparing the detailed plan will help you eliminate many variables to failure, improving your chances of success!



PREVIOUS YEAR's TAX RETURNS:

Lenders will likely require the company's returns for the previous 3 years, and the major shareholders' returns for the previous 1 to 3 years. If the company is new, they will still want to see the shareholders' returns.



RESUMES FOR ALL SENIOR EXECUTIVES:

This helps provide the lender assurance that the company has good intellectual and management infrastructure. Some Lenders donít require this information, but they all should!
These resumes should include officers' accomplishments and skill-set. You should strongly emphasize that each officer has the qualifications and drive to ensure the companies success.
Resumes can be integrated into the business plan, or they can be attached as an addendum.





I wish you all success as you endeavor to create or expand your business. Go make it happen!