FINTOKU - SMALL BUSINESS LOAN READINESS CHECKLIST
Version 2026-11-05 | fintoku.com/resources/

Use current lender requirements. This is not an SBA application or an eligibility determination.

[ ] Describe the funding purpose, amount and planned use.
[ ] Prepare realistic cash-flow and repayment assumptions.
[ ] Gather the financial statements requested by the lender.
[ ] Ask which tax returns and business records are required.
[ ] List existing business debts, payments and liens.
[ ] Confirm requested ownership and registration information.
[ ] Ask about lender and program eligibility requirements.
[ ] Ask about collateral and personal guarantees, if applicable.
[ ] Compare written rates, fees, payment frequency and total costs.
[ ] Consider seasonal revenue and variable-rate scenarios.
[ ] Confirm steps, document deadlines and secure delivery.
[ ] Keep written terms and a list of unresolved questions.

Business nickname / planning date:
________________________________________________________

Outstanding documents and lender questions:
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An SBA guarantee does not guarantee borrower approval. Program and lender requirements differ.

Keep completed copies private. FinToku does not receive your entries.
Do not enter full account numbers, passwords or identification numbers.
Official background: https://www.sba.gov/loans/
Related tool: https://fintoku.com/directories/sba-microlenders/
Free for personal planning and internal business use.