Resources
SBA Loan Required Documents
A complete checklist of everything you'll need to apply for an SBA loan.
Business Financial Documents
- ✓ 3 years of business tax returns (federal)
- ✓ Year-to-date Profit & Loss statement
- ✓ Balance sheet (current)
- ✓ Business bank statements (last 12 months)
- ✓ Business debt schedule (all current loans)
- ✓ Accounts receivable and payable aging reports (if applicable)
Personal Financial Documents
- ✓ 3 years of personal tax returns (all owners with 20%+ stake)
- ✓ Personal financial statement (SBA Form 413)
- ✓ Personal bank statements (last 3 months)
- ✓ Resume or background information for all owners
Business & Legal Documents
- ✓ Business licenses and permits
- ✓ Articles of incorporation or LLC operating agreement
- ✓ Partnership agreement (if applicable)
- ✓ Commercial lease agreement or property deed
- ✓ Franchise agreement (if applicable)
- ✓ Business plan with financial projections
SBA-Specific Forms
- ✓ SBA Form 1919 — Borrower Information Form
- ✓ SBA Form 912 — Statement of Personal History
- ✓ SBA Form 413 — Personal Financial Statement
- ✓ SBA Form 148 — Unconditional Guarantee (lender-prepared)
Loan Purpose Documents
- ✓ Equipment: Vendor quotes or invoices
- ✓ Real estate: Purchase agreement, appraisal, environmental assessment
- ✓ Business acquisition: Purchase agreement, business valuation
- ✓ Construction: Contractor bids and plans
- ✓ Refinancing: Loan statements for existing debt
💡 Pro Tips
- Organize early: Start gathering documents the moment you decide to apply. Missing paperwork is the #1 cause of delays.
- Use a CPA: If your financials aren't clean, an accountant can prepare compiled or reviewed statements that lenders prefer.
- Know your story: Lenders want to understand your business. A well-written business plan can compensate for weaker financials.
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