Ensure all necessary documents are complete and accurate to support a smooth review process
Proof of ownership (Articles of Inc/Org)
Lease or rent verification
Existing advance statements (if refinancing)
Merchant processing statements (if applicable)
Tax returns (business and/or personal)
Business insurance documentation
Submit a completed ISO form, 3–6 months of business bank statements, valid government-issued ID for 50%+ owners, a voided business check or bank letter, and an active business license.
Most submissions require 3–6 months of full business bank statements in PDF format.
Yes. Include current balance statements for any open advances. Underwriters review stacked positions and repayment capacity before approval.
Missing bank statement pages, mismatched information, unsigned forms, and incomplete documentation often slow down underwriting.
Yes, if the merchant relies heavily on card sales. Processing statements help verify revenue consistency.
Submit clean, complete files with accurate revenue figures, clear documentation, and disclosed existing debt. Clean packaging reduces stipulations.
