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Document checklist

Having these ready makes your application quicker and stronger. Lenders may ask for more, depending on your business and the funding you need.

Most applications

  • Your last two years of filed accounts
  • Recent management accounts, if your year end was more than six months ago
  • Your last three to six months of business bank statements
  • Photo ID and proof of address for each director or partner
  • Details of any existing borrowing, such as loans, overdrafts, finance agreements and cash advances

Invoice finance

  • An aged debtors and aged creditors report
  • A sample of recent sales invoices

Asset finance and asset refinance

  • A quote or invoice for the asset
  • For refinance, a list of assets you own and their age

Tax and VAT funding

  • Your latest HMRC corporation tax or VAT statement
  • The payment due date

Acquisition finance

  • Heads of terms or the offer letter
  • The target business’s last two years of accounts
  • Your plan for the business after purchase

Secured lending

  • Details of the property or security offered, including any existing mortgage

Easier with Xero

If you use Xero, you can connect it when you start your funding review and we will read your reports directly, so there is less to upload. Start your funding review.